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-According town planner Goh Bok Yen, the scheme would not be of much help as house prices have broken through the ceiling in last two years, especially in Kuala Lumpur and Selangor.
-His other worry is young people being burdened with 30-year long housing loans under the scheme, and this soon after leaving school or graduating from universities before starting work.
-However, it is understood that most of the landed properties and condominiums in major cities like Kuala Lumpur, Petaling Jaya, Georgetown, Penang, and Johor Bahru are already priced over RM220,000. A property agent who requested anonymity said that for RM220,000 in Kuala Lumpur, one can only get an apartment or flat.
-After deducting RM1,200 for housing loan, RM500 for car loan and RM108 for the education loan, he will only left with RM806 to cope with basic daily expenses like food, fuel, utilities, Internet access, entertainment and sundry other expenses.
For a single adult without dependants, life is already difficult enough with such an amount, what more for a married adult or those with children. They could easily be mired in financial difficulties.
- "Sometimes, when the young adults just come out to work, they are not sure about their dream home. So, if they buy their first home in a rush, they might regret later or be burdened by heavy debts," Goh said.
-"They should also consider other hidden costs, such as legal fees, quit rent and maintenance costs. If they are buying a condominium unit, they should also consider the management fees."
He is confident that the scheme will not raise the rate of non-performing loans (NPL) as the banks will apply a strict screening and checking process to verify the purchasers's financial background.
-"NPL normally will not rise because of the first-home buyers, because they will work hard to meet the installments."
(Rujukan :http://www.malaysiakini.com/news/159088 )
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