屋价越来越高

edem

回复  edem
屋子的价钱只会越来越高.......
如果可以负担,请尽早买屋子.
因为我当初就是想:暂时没能力, ...
angelinelee22 发表于 2-9-2010 12:04 PM

对,我也赞同尽早买屋子.
现在结婚生子了,负担又大了.
要买好的屋子,就要努力找钱,赚多一点!

edem

其实涨幅过高会不会引起泡沫现象？？？
无名23 发表于 2-9-2010 12:16 PM

以前经常听说公寓会跌价,
因为供多余需,
结果现在也不是越起越贵!

edem

虽然买屋子能当投资，但是也要量力而为，不要因为这样把自己弄得透不过气来。
希望大家能拥有自己的梦想屋 ...
leewhong 发表于 2-9-2010 12:15 PM

这当然.
谢谢提醒.

kcphoon

Banks to try and prevent speculation on property
Bank Negara is engaging with banks on possible measures to curb excessive speculation on property prices while developers caution that it should not be imposed across the board to avoid dampening the property market.

Responding to queries on whether the central bank will be imposing a 80% loan-to-value ratio (LVR) for mortgages to avert the risk of a potential property bubble, the central bank said: “Bank Negara regularly engages with industry players as part of its surveillance and supervisory activity. The engagements cover a broad range of issues and areas that relate to developments on the ground, safety and soundness of the institutions and the overall system.”

It added that to ensure prudent management of credit risk in the banks’ balance sheets, the central bank regularly engages with the industry on developments in the underwriting and selling practices of financial institutions.

The share of housing loans to total loans is about 26%, according to the central bank.

When contacted, banking industry players said it was likely that any measures to be introduced would be pre-emptive measures to target certain quarters of purchasers and would not be across the board.

The measures are believed to be targeted at the high-end and non-owner occupied house purchasers.

Currently Bank Negara does not impose any standard policy on mortgage loans but leave it to the banks to manage.

But following a rise of between 10% and 30% in the prices of landed houses in some parts of the Klang Valley (including Kuala Lumpur) and Penang in the past one year, banking sources said Bank Negara might be looking at discontinuing the 5:95 and 10:90 housing loan packages, and preferred banks to impose higher downpayment for property purchasers.

The bank sources concurred that over the longer term, there must be the flexibility to allow more relaxed loan quantum if the market needs it, especially if there is a recession.

OCBC Bank (Malaysia) Bhd head of secured lending Thoo Mee Ling said part of the rationale for the 80% LVR for mortgages could be to curb speculative property prices in the market currently.

“If it is implemented, home buyers will have to self-finance a higher amount than they do now. In the short term, coupled with entry costs such as legal, stamp and valuation fees, the property market will take a dive and it will subsequently dampen the mortgage business.

“In the long term, the measure would curb speculative property buying and promote a healthier property market. Therefore, both the banks and property market will become more resilient to any potential crisis,” she said.

Datuk Michael Yam, the president of Real Estate and Housing Developers’ Association Malaysia (Rehda), said Bank Negara should not impose a mandatory LVR cap on mortgage loans at this juncture as it would dampen buying sentiment with spillover effects on other related industries such as construction and building materials suppliers.

“The local banking industry is well regulated and banks are very prudent and stringent in their credit assessment of borrowers. Banks have, on their own initiative, cut down loan margins to borrowers and only those who are credible and can afford to repay their loans will be offered a higher loan margin.

“Banks also are very selective of what projects they extend loans to.”

Caution and prudence should be exercised when considering any measure for mortgage loans, said Yam, adding that it should not be across the board.

“It is better to leave it to market forces to decide as the banks’ stringent lending criteria is enough to ensure the quality of loans in the market,” he added.

Yam said that up to 90% of the country’s population are living in affordable houses priced below RM250,000, and the current low downpayment for property purchases has promoted home ownership among the lower to middle income group.

Mah Sing Group Bhd group managing director cum chief executive Tan Sri Leong Hoy Kum said a conducive financing environment was important to support the property industry, which was a significant engine of growth for the economy.

“We hope that any implementation of the 80% loan to value ratio will take into proper consideration the industry’s feedback and current market conditions.”

Leong said there was no property bubble at this juncture “as property price increases have not been across the board.”

“The properties which have been enjoying price appreciation are those with good concepts by branded developers, and sited in good locations.

“One must also take into account the construction cost, and also increasing price of good land in considering the prices of properties, which have gone up by 10% to 25% in the past 1½ years,” Leong added. - By Angie Ng and Sharidan M. Ali (The Star)

无名23

回复 20# vovov


泡沫泄气炒家就够力了。。。

jade2yu

回复 12# aven


    对，政府不会管制对，

aven

回复  aven


    对，政府不会管制对，
jade2yu 发表于 2-9-2010 02:01 PM

这是我们伟大的房屋+地方部长的谈话。。。大家都可以猜到了。。。

http://search.sinchew-i.com/node/607798?k=曹智雄
   
曹智雄：不會致經濟泡沫‧產業將降價幅度少過10%

（彭亨‧雲頂）房屋及地方政府部長拿督曹智雄相信，國內產業價格將會持續高漲，而價格在上漲至一個頂點後則會下降。但他認為，屆時產業的價格不會下降超過10%，也不會出現“經濟泡沫”現象。

他週一（8月30日）晚出席雲頂名勝世界舉辦的國慶倒數活動時，在記者會上受詢及巴生河流域的產業價格高漲，將引致經濟泡沫現象時，如此回應。

他指出，自出任房地部長以來，他不時與發展商及估價師研究國內產業價格上漲的原因，並將產業價格高漲歸納為3大因素。

首先，他表示，大馬人民的儲蓄力高，人民普遍上都有儲蓄的習慣，以致人民在儲蓄多年後，擁有足夠的資金購買產業。

他再分析，國內銀行設下較寬松的貸款條件，為人民購買產業時帶來方便。

5年建7.6萬廉屋

他聲稱，最後一項原因是外國投資者在大馬置業。

“大馬開放許多投資政策，鼓勵外國投資者前來大馬投資，外國公司進入大馬後，自然會在這裡購置辦公室，甚至購買樓盤給公司的行政人員居住。”

他表示，外國公司在購買產業前會考察，研究哪一個區域的產業價格比較低，隨後才會在此區域置業。

“若與香港、新加坡及曼谷相比，大馬的產業價格確實較低。吉隆坡、檳城及柔佛一帶的房屋都受到投資者青睞，相對地提升本地產業價格。”

“國內產業的價格在未來日子仍會稍微上漲，但價格持續上漲至頂點後就會下跌，這是一定的原理，但預料下降幅度不會超過10%。”

他強調，儘管屆時樓盤價格下降，但不會出現經濟泡沫現象。

另外，他提及，在第十大馬計劃下，首相納吉為了確保所有國民居者有其屋，諭令房地部及鄉村發展部推出額外廉價屋計劃。

他表示，在未來5年，其部門及鄉村發展部將分別興建3萬8000單位廉價屋，總額為7萬6000個單位，讓更多人民受惠。

fat_miao

吉兰丹房价才吃惊 。。。 freehold 双层排屋 约 400k 。。。leasehold 约 300k ，单层也要 200k 。。。这些新的还比2手便宜点呢 ～

这里平均收入才 1.5k 以下 ～ 通常是两个工作夫妻连名才买得起房子 ～ 不然就是外地工作的孩子联名买给父母 ～ 很多上一辈的都是租户而已 ～ 这是这里华裔的状况～ 那些教育程度不高，找不到千千声收入的，永远只有当租户的份 ～

政治上说已经有“发展”了， 但这突然发展害死很多人 ～ 【同区产业从5年前的 150k 跳到 近300k （2手市价）一番呢！】

thunder

吉兰丹房价才吃惊 。。。 freehold 双层排屋 约 400k 。。。leasehold 约 300k ，单层也要 200k 。。。这些 ...
fat_miao 发表于 2-9-2010 02:07 PM

    吉兰丹的屋子竟然这样贵！

fat_miao

回复 29# thunder

很 market value 了的 。。。但租金不会高去那里 ～ 接近市区内 semi D 才来个 7-800。
那些价格是靠近市区 15-20 分钟内啦 ～

其实是因为 马来地很多，然后这里的条例是 10% 开放给非土著 。。。 不是 10% Bumi Reserved 哦 。。。倒反的。
当然土著买就有 30% discount 。 因此现在很多 Developer 起一排单层的，头尾 corner 两间就来个双层楼 .

fat_miao

回复 31# chris0709
不出奇 。。。是些槟城的“社团”过来炒吉兰丹的产业价 ～ 特别是商业产业 。。。 搞燕屋喔 ～

calvien

很多新建的，还没看到打地基就已经卖完了！！！都是有钱人搞的破坏。有钱不投资，跑去投资房地产，把穷人移到边界受苦。连个房子也买不起。

阿贵

槟城屋子也是越来越贵了
几时才存到钱买bungolow....
chris0709 发表于 2-9-2010 04:10 PM

在槟岛的双层排屋, 或者高级公寓的价钱卖掉, 过桥换过去半岛威省就可以买 bangalow 了.

阿贵

(纯粹假想)
政府实施屋价统治化, 控制市场屋价.
只要新屋的价格涨幅速度受控, 就能减少市场炒楼的情况, 稳定屋价.
不过这样却对经济带来负面影响.

不如政府实行同一个人的名字, 如果登记超过一间屋子的话, stamp duty 就从第二间算起乘以累似倍数的增加. 这样一来, 要做投资的人就要给更多税, 可能也可以避免过度炒楼的现象.

野望

(纯粹假想)
政府实施屋价统治化, 控制市场屋价.
只要新屋的价格涨幅速度受控, 就能减少市场炒楼的情况, 稳 ...
阿贵 发表于 3-9-2010 01:07 AM

    市场其实很简单 价格就是决定素质的基本条件  你要用proton的价格买BMW似乎不可能 政府应该推出更多的proton而不是限制BMW的交易
     现实很无奈也很残酷  价高的着没有问题 任何外力控制只会害那些本来就收入不高更买不到屋子
     比如高档屋价从1.2m上到2.5m 对大部分人其实没有影响  如果从2.5m下到2m大部分人还是买不起  政府应该建更多below300k的组屋而不是把贷款从90%下到80%  一般如果有能力买这么高物价的人这些都没有影响的 更何况stamp duty