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Bank Negara Should Reinstate Developer Interest Bearing Scheme(DIBS) To First-Time Buyers As Well As Increase And Extend Syarikat Jaminan Kredit Perumahan(SJKP) To Buyers Of Affordable Homes Costing From RM72,500 Up To RM 400,000.

Posted in Dari Meja Ketua Menteri

Press Statement By Penang Chief Minister Lim Guan Eng In Penang On 12.4.2014.

Bank Negara Should Reinstate Developer Interest Bearing Scheme(DIBS) To First-Time Buyers As Well As Increase And Extend Syarikat Jaminan Kredit Perumahan(SJKP) To Buyers Of Affordable Homes Costing From RM72,500 Up To RM 400,000.

The Penang state government urges Bank Negara to reinstate Developer Interest Bearing Scheme(DIBS) for first-time buyers as well as increase and extend Syarikat Jaminan Kredit Perumahan(SJKP) to buyers of affordable homes costing from RM72,500 up to RM400,000. Ever since DIBS was abolished, many first-time buyers of affordable housing could not obtain bank loans to buy their own homes.

Up to 70% of the housing loan applications, including low-cost and low-medium cost(LC/LMC), have been rejected by private banks. Bank Negara should reinstate the Developer Interest Bearing Scheme(DIBS) for first-time buyers to enable them to realise their dream of owning their own homes. Legal fees should be part of the DIBS package and stamp duty should be waived to lower the initial entry cost for first time home buyers.
 
At the same time, the funding for Syarikat Jaminan Kredit Perumahan(SJKP) should be increased to RM3 billion to include not only guaranteeing LC/LMC loans by private banks but also for loans from first-time buyers of affordable housing costing up to RM400,000. With the present small sum of RM180 million of SJKP loan guarantees approved nation-wide only for LC/LMCs, there is not enough to go around nationally(see graph below).
 
Presently SJKP guarantees a maximum loan of RM 120,000, which is insufficient for affordable homes costing up to RM400,000. Interest rates for LC/LMC and first time buyers of affordable housing should be fixed at Base Lending Rate or BLR if the Bank Negara is sincere in helping them. It is sad that high-end loans for expensive luxury houses get lower interest rates than LC/LMC and affordable housing loans.
 
The latest Bank Negara Annual Report 2013 has revealed that Bank Negara is being short-sighted and uncaring at best or irresponsible and unprofessional at worst towards the problem of Malaysia having the second highest level of household debt in Asia. Bank Negara dismissed the rise in the level of household debt in Malaysia from 81.1% of Gross Domestic Product(GDP) in 2012 to 86.8% of GDP in 2013 as not posing any risk to financial stability.
 
Bank Negara should realise that the reason for is that our income levels are stuck in a “glacial trap” with inflation outpacing wage rises. This has forced many households to rely on credit loans to make ends meet and even resort to loan sharks when they are unable to get loans from financial institutions.
 
With total household borrowings at RM854.3 billion in 2013, the proportion of households having loans with those having monthly earnings of up to RM3,000, accounted for 27% of total household borrowings at RM 230.l7 billion. This only proves that for lower income groups, their incomes are unable to keep up with inflation, forcing many to borrow to survive to maintain their living standard, forget about getting housing loans to purchase their own homes.
 
How can first-time buyers from lower-income groups afford to buy their own homes when Bank Negara has reduced the maximum tenure for loans of property purchases from 45 years to 35 years? Such reduction in tenure will only increase the housing installment payments and make it more difficult for lower-income groups to qualify for loans.
 
The Penang state government is taking pro-active steps on its own initiative to assist low-income buyers unable to get loans by introducing the Shared Ownership Scheme(SOS) for low-cost houses, a first in the country. Many lower-income groups are able to qualify for loans if they need to borrow only 70% of the property price.
 
Under the SOS, the property is jointly owned by the state government with the state government giving out loans of up to 30% of the property price interest-free. With this 30% interest-free housing loan from the state government, the buyer of low-cost home needs to only borrow 70% of the property price, which most of them can qualify.
 
LIM GUAN ENG


-- CN Version --

槟州首席部长林冠英于2014年4月12日是在槟城发表声明:

国家银行理应恢复发展商利息承担配套(DIBS),以及将房屋贷款担保公司(SJKP)的贷款上限从7万2500令吉增加至40万令吉。

槟州政府促请国家银行恢复发展商利息承担配套(DIBS),以及将房屋贷款担保公司(SJKP)的贷款上限从7万2500令吉增加至40万令吉。自从发展商利息承担配套被取消后,很多首次购屋者都拿不到银行贷款来购买他们的房子。

超过70%的房屋贷款被拒,包括廉价及中价屋贷款,国家银行应该恢复发展商利息承担配套。以便让首次购屋者能够落实和拥有他们的梦想家园。。律师费也应该是利息承担配套(DIBS)的一部分,而财政部也应该豁免印花税,降低第一次购屋者的初始费用。

同时,房屋贷款担保公司的基金应该要提高到30亿令吉,不只担保向私立银行贷款的廉价屋及中廉价屋购屋者,也担保购买40万令吉可负担房屋的购屋者。目前这家担保公司的1亿8000万令吉只担保廉价屋及中廉屋,但是并不足以应付全国的需求。(见表)

目前,担保公司保证最高贷款额12万令吉,不足以担保40万令吉的可负担房屋。如果国家银行有诚意帮忙,廉价及中廉价的利息以及可负担房屋的第一次购屋者应该固定在基本贷利率(BLR)。令人难过的是,高额贷款反而能够获得比廉价屋、中廉价屋及可负担房屋贷款更低的利率。

最新的2013年国家银行报告揭示国家银行极其糟糕地短视、不闻不问、不负责任及不专业的去面对马来西亚当前家庭债务高居亚洲第2的问题。国家银行完全不顾虑2012年马来西亚家庭债务占据了国民生产总值(GDP)的81.1%及2013年占据了国民生产总值的86.8%的问题,就好像这问题并不会为马来西亚带来任何风险,影响金融稳定。

国家银行应该清楚我们国人的收入有如被冰封在冰川陷阱无法动弹,原因是因为百物皆长所导致的通货膨胀。这导致很多家庭必须举债解燃眉之急,甚至在无法获得正规金融公司的借贷之下,向“大耳窿”借高利贷。

大马2013年的家庭债务是8543亿令吉,而每月收入3000令吉以下家庭的借贷占据了27%共2301亿7000万令吉。这只能证实低收入群的收入根本追不上通货膨胀,迫使很多人必须举债度日,以维持他们的生活水平。

当国家银行把购置房产的最高贷款期限从45年调整至35年之际,试问,来自低收入群体的首购人士有能力去承担吗?这种调整方式,只会让每一期的房贷缴款额增加,使低收入族群更难符合贷款资格。

槟州政府针对低收入群体推介了“共享拥有权配套“,让他们也能拥有属于自己的廉价屋。在此配套之下,州政府将提供30%免息贷款给那些购屋者,剩下的70%由他们向银行贷款,双方共享房屋拥有权。

在共享拥有权配套下,上述产业由提供30%免息贷款的州政府及购屋者共同拥有。有了上述30%的免息贷款,他们只需要贷款房价的70%,这是大多数人都符合资格的。

林冠英

 

 

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New Straits Times Should Be Severly Punished For Acting Against The National Interests By Trying To Exploit The MH370 Tragedy With Treacherous Intent Of Sensational And False Reporting Without Due Regards For Facts And The Feelings Of Family Members Of Th

Posted in Dari Meja Ketua Menteri

Press Statement By Penang Chief Minister Lim Guan Eng In Komtar, George Town On 13.4.2014.
 
New Straits Times Should Be Severely Punished For Acting Against The National Interests By Trying To Exploit The MH370 Tragedy With Treacherous Intent Of Sensational And False Reporting Without Due Regards For Facts And The Feelings Of Family Members Of The Passengers.

New Straits Times(NST) should be severely punished for acting against the national interests by trying to exploit the MH370 tragedy with treacherous intent of sensational and false reporting without due regards for facts and the feelings of family members of the passengers. As NST is owned by UMNO and regarded as both UMNO and the Federal government’s mouthpiece, its front-page world exclusive expose on 12 April 2014 has caught the world’s attention.
 
Indeed if true, the report was sensational, boldly titled “MH370’s desperate call for  help” with the sub-heading of “Investigators have revealed that co-pilot Fariq Abdul Rahman had made a call from his mobile phone as the plane flew low near Penang. Who he was trying to reach remains a mystery?”. Unfortunately, this so called world exclusive by NST is a bare-faced lie.
 
Bernama reported that Acting Transport Minister Datuk Seri Hishammuddin Tun Hussein has refuted NST’s front-page report that the co-pilot of the MH370 aircraft had made a telephone call when it was flying low near Penang. He also said it was irresponsible for any quarters to take the opportunity to make a baseless report.
 
A public reprimand that is a mere slap on the wrist on NST is not enough. Such lies and baseless information may not only affect search operations but also the families of the passengers and the crew of the aircraft. The Federal government must be both unforgiving and punishing towards NST, more so when it is owned by UMNO and a mouthpiece for the BN leaders.
 
The whole world is watching whether the Malaysian government dares to act without fear or favour against such blatant lies. Failure to do so will cause Malaysia’s international reputation to lose any little integrity and credibility remaining. Further any inaction may even hamper and jeorpardise efforts by the Malaysian government towards the restoration of trade, tourism and goodwill of Chinese investors, tourists and people.
Flight MH370 and the kidnap of two women off Semporna Island in Sabah by Filipino terrorists have resulted in the boycott of Malaysia by Chinese tourists and investors. Even the two giant pandas scheduled to arrive this month, are not coming. Penang has also not been spared with 50% cancellation of mainland Chinese tourists’ arrivals and a Chinese airline reducing its weekly flight to Penang from 7 flights weekly to four flights weekly.
 
Mainland Chinese tourists in Penang constitute 4% of the total market, but what about other tourist destination with greater reliance on mainland Chinese tourist such as Sabah, Johor Baru, Melaka and Langkawi? Penang’s tourism is still growing because the other markets from Taiwan, Hong Kong, Japan, Europe and ASEAN countries are still coming in greater numbers.
 
By engaging in gutter journalism, NST is not helping efforts to restore confidence amongst the angry Chinese upset at the Malaysian government’s handling of the MH370 tragedy. Whilst NST should make a front-page apology, the Malaysian government must follow up with strong punishment to demonstrate to the world that it is not cohabitating with liars such as the NST.
 
 
LIM GUAN ENG

-- CN Version --

槟城首席部长林冠英于2014年4月13日在槟城乔治市发表声明:

《新海峡时报》应该受到重惩,他们不顾事实及乘客家属的感受,虚伪地利用炒作轰动及虚假报道消费马航370空难,损害国家利益。

《新海峡时报》应该受到重惩,他们不顾事实及乘客家属的感受,虚伪地利用轰动及虚假报道消费马航370空难,损害国家利益。由于《新海峡时报》由巫统拥有,被视为巫统及联邦政府的喉舌,它在2014年4月12日的封面独家报道引起了世界关注。

如果是真的,这篇报道是炒作,它大胆的标题“马航370渴望救援”,副标题为“调查者已经发现副机师法立在低飞靠近槟城时,曾经企图用手机联系。但是还无法知道它当时想要联系的对象。”不幸的是,这个所谓的全球独家报道已经被证实是一个谎言。

马新社报道了代交通部长拿督斯里希山慕丁的谈话,他反驳《新海峡时报》的封面报道。他说任何要借这起空难发布虚假报道的地方都是不负责任的。

仅仅公开谴责《新》就像是打在手腕上一样,这是不够。这种毫无根据的假报道不只会影响搜救工作,也会影响乘客及机组人员的家属。联邦政府不能原谅《新》,反而必须惩罚它,更堪的是,它由巫统拥有,也是国阵领袖的喉舌。

全世界都在看我国政府敢不敢大公无私地对付说谎的一方。如果他们做不到,将会导致马来西亚的国际声誉受损,连仅有的廉正及公信力都会失去。若再不行动,我国政府在恢复贸易、旅游以及中国投资者、游客及人民的良善的努力都是付诸流水。

马航370空难及沙巴仙本那两名女性被菲律宾恐怖分子绑架的消息已经导致中国游客及投资者抵制马来西亚。就连原本要前来马来西亚的两只熊猫也不来了。槟城也不例外,一半的中国游客取消行程,一家中国航空公司前来槟城的航班从每星期7班,减至每星期四班。

中国大陆游客占了槟城游客的4%,但是其它依赖中国游客市场的地方如沙巴、新山、马六甲及浮罗交怡呢?槟城的旅游市场还在成长,因为台湾、香港、日本、欧洲及东南亚国家的游客也在增加。

《新海峡时报》低劣的报道手段,完全无助于恢复中国人对我国政府在处理马航370空难中丧失的信心。《新》应该要刊登全面道歉启示,我国政府一定要严厉处罚它,以向全世界展示我国绝不与《新》这种说谎者狼狈为奸。

林冠英

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Tamil New Year And Vasakhi Message

Posted in Dari Meja Ketua Menteri

Tamil New Year And Vasakhi Message By Penang Chief Minister Lim Guan Eng in Komtar, George Town On 15.4.2014.
 
Resolve Malaysia’s Education Crisis By Rejecting “One Size Fits All” Uniformity In Favour Of Customization That Returns To The Basic Principles Of Pursuing Excellence And The Teaching Of Cognitive And Non-Cognitive Skills.
Malaysia’s education crisis is in a downward spiral following the latest Organisation for Economic Co-operation and Development (OECD) report on education assessment that only one out of 100 15-year-old Malaysian students able to solve complex problems. We are willing to work together with the Federal government to address the wide disparity between its best and worst performers in order to improve educational standards.
 
The 2012 Programme for International Student Assessment (PISA) put Malaysia again at the bottom 25%, coming in at 39th out of 44 countries, in the test on creative problem-solving. Malaysian students had been assessed by PISA to be 3 years behind the best students in South Korea, Shanghai or Singapore, scoring below average and ranked 52 out of the 65 countries in mathematics, science and reading. What is shocking is that Malaysia is worse than Vietnam of Thailand in science and mathematics.
 
Whilst Malaysia invests more than 20% of our national budget in education, there is no value for money as such investment serves to satisfy the needs of bureaucrats rather than meet the aspirations of the students to acquire knowledge and skills in order to realise their talent and potential. For instance Malaysia spends less than Thailand in education for students in the first ten years of their education from 6 years to 15 years old.
 
Unless there is a mindset shift towards investment in education accompanied by high aspirations as a nation to build on human capital, how can we grow into a high-income developed economy? One solution towards resolving Malaysia’s education crisis is rejecting the stultifying “one size fits all” uniformity in favour of customization that returns to the basic principles of pursuing excellence and the teaching of cognitive and non-cognitive skills
 
The time has come to empower teachers by rewarding the best, getting the best out of them with cognitive and non-cognitive teaching and able to help students who fall behind. Malaysia has no choice but to develop a high-performing education systems that focus on both cognitive (factual knowledge) and non-cognitive (team work, leadership and communication) skills. We cannot permit our education to fail our economy.

LIM GUAN ENG

-- BM Version --

Perutusan Tahun Baru Tamil dan Vasakhi oleh Ketua Menteri Pulau Pinang Lim Guan Eng di Komtar, George Town Pada 15.4.2014.
 
Selesaikan Krisis Pendidikan Malaysia Dengan Menolak Keseragaman “Satu Saiz Untuk Semua” Dan Memilih Penyesuaian Yang Berbalik Kepada Prinsip Asas Untuk Mengejar Keunggulan Dan Pengajaran Kemahiran Kognitif Dan Bukan Kognitif.
 
Krisis pendidikan Malaysia kian merosot berdasarkan laporan penilaian terkini Organisation for Economic Co-operation and Development (OECD) yang menunjukkan hanya satu daripada 100 pelajar Malaysia yang berusia 15 tahun mampu menyelesaikan masalah yang rumit. Kami bersedia untuk bekerjasama dengan kerajaan Persekutuan bagi menangani jurang perbezaan yang luas antara pelajar terbaik dan yang paling teruk untuk meningkatkan taraf pendidikan.
 
Programme for International Student Assessment (PISA) 2012 sekali lagi meletakkan Malaysia di kedudukan 25% tercorot, pada tangga ke-39 daripada 44 negara, dalam ujian penyelesaian masalah kreatif. Menurut penilaian PISA, murid Malaysia berada 3 tahun di belakang murid terbaik dari Korea Selatan, Shanghai atau Singapura, dengan skor di bawah nilai purata dan menduduki tempat 52 daripada 65 negara dalam bidang Matematik, Sains dan membaca. Apa yang mengejutkan adalah Malaysia adalah lebih teruk berbanding Vietnam dan Thailand dalam bidang Sains dan Matematik.
 
Walaupun Malaysia melabur lebih daripada 20% daripada bajet negara dalam pendidikan, namun hasilnya tidak berbaloi memandangkan perbelanjaan lebih banyak tertumpu bagi memenuhi keperluan birokrat dan bukannya memenuhi aspirasi pelajar untuk memperolehi pengetahuan dan kemahiran bagi merealisasikan bakat dan potensi mereka. Sebagai contoh, Malaysia membelanjakan kurang daripada Thailand pada pendidikan bagi pelajar dalam sepuluh tahun pertama pendidikan mereka dari 6 tahun hingga 15 tahun.
 
Tanpa anjakan pemikiran  ke arah pelaburan dalam pendidikan dan disertai dengan aspirasi tinggi sebuah negara untuk membina modal insan, bagaimana kita boleh berkembang menjadi ekonomi maju dan berpendapatan tinggi? Satu pendekatan ke arah menyelesaikan krisis pendidikan Malaysia adalah menolak keseragaman “satu saiz untuk semua” dan sebaliknya memilih penyesuaian yang berbalik kepada prinsip asas untuk mengejar keunggulan dan pengajaran kemahiran kognitif dan bukan kognitif.
 
Masanya telah tiba untuk memberi kuasa kepada guru-guru dengan memberi ganjaran yang terbaik, mendapatkan yang terbaik daripada mereka dengan pengajaran kognitif dan bukan kognitif agar mereka dapat membantu pelajar yang ketinggalan. Malaysia tidak mempunyai pilihan melainkan membangunkan sistem pendidikan berprestasi tinggi yang memberi tumpuan kepada kemahiran kognitif (pengetahuan fakta) dan bukan kognitif (kerja pasukan, kepimpinan dan komunikasi). Kita tidak boleh benarkan pendidikan menggagalkan agenda ekonomi negara.

-- CN Version --

槟城首席部长林冠英于2014年4月15日发表泰米尔新年及锡克教徒丰收节献词:

拒绝“一体适用”的统一教育制度来解决马来西亚的教育危机,选择定制教育,回到教育的基本原则,追求卓越、认知开发及非认知技能并重的教育。

马来西亚的教育危机正在日趋严重,最新的经济合作及发展组织针对教育所做的报告显示,每100名15岁的马来西亚学生当中,只有一名能够解答复杂的问题。我们愿意与联邦政府一起解决这个最佳表现及最坏表现的鸿沟,以提升教育素质。

2012年国际学生评估(PISA)报告又把马来西亚列入最后25%,我国在创意解决问题方面,在44个国家中排名第39名。我国学生曾被这项评估评为,比起韩国、上海、新加坡最优秀学生的数学、科学及阅读方面落后三年,在65个国家中排名第52名。我国学生的数理科方面比越南及泰国还差。

马来西亚每年的教育拨款超过总拨款的20%,这种投资只是为了满足官僚的需求,而不是启发学生让他们进取知识及技能、发挥所长及潜能,所以不是物有所值。例如,马来西亚在学生首10年(6岁到15岁)的花费比泰国更少。

除非我国转变教育投资的理念、并积极启发全国栽培人才,否则我们要如何成为高收入经济体?其中一个解决我国教育危机的方案就是拒绝“一体适用”的统一教育制度来解决马来西亚的教育危机,选择定制教育,回到教育的基本原则,追求卓越、认知开发及非认知技能并重的教育。

是时候下放权力给教师们,奖励优秀的老师,从中选出认识及非认识教学的优秀老师,由他们来辅助学业进度落后的学生。马来西亚没有选择,必须发展高绩效的教育制度,认知(事实知识)教育及非认知(团队、领导及沟通)技能并重。我们不能允许教育失败导致经济失败。

林冠英