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> MyDeposit - Thoughts?, Home Deposit scheme

gks
post Apr 7 2016, 11:23 AM

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Better read TnC first.

I am sure there is restriction if you decided to apply for the scheme.
JianNinety
post Apr 7 2016, 11:24 AM

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http://www.kpkt.gov.my/index.php/pages/view/333

Here got a list of all the borangs they offer for download. Nothing on MyDeposit yet.
Kilohertz
post Apr 7 2016, 11:25 AM

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Where's their physical office located at? probably can pay them a visit and ask for the details..
JianNinety
post Apr 7 2016, 11:25 AM

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QUOTE(Kilohertz @ Apr 7 2016, 11:25 AM)
Where's their physical office located at? probably can pay them a visit and ask for the details..
*
Putrajaya
https://www.google.com/maps/place/Kementeri...13627c122d46c7d
panda-man
post Apr 7 2016, 11:25 AM

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QUOTE(JianNinety @ Apr 7 2016, 11:18 AM)
There is probably going to be a condition like that. Like low cost houses cannot sell or rent in 5-10 years.
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my gaji RM2.5k last time still buy a RM250k apartment. why RM10k household income need RM30k 'free' gift? if gaji RM10k cant afford a house they need to re-evaluate their spending, probably driving godcar and using ipong. anyways dont support this. i support only if for low income earners <RM4-5k household income.

why my tax dollars need to go to middle to high income households.

i support tongkat to the low income group. not give tongkat to my own damn income group. wat the FK!?
Kilohertz
post Apr 7 2016, 11:29 AM

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QUOTE(panda-man @ Apr 7 2016, 11:25 AM)
my gaji RM2.5k last time still buy a RM250k apartment. why RM10k household income need RM30k 'free' gift? if gaji RM10k cant afford a house they need to re-evaluate their spending, probably driving godcar and using ipong. anyways dont support this. i support only if for low income earners <RM4-5k household  income.

why my tax dollars need to go to middle to high income households.

i support tongkat to the low income group. not give tongkat to my own damn income group. wat the FK!?
*
The problem now is the property prices got inflated at an unreasonable price by flippers which I think is the fundamental problem.
panda-man
post Apr 7 2016, 11:37 AM

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QUOTE(Kilohertz @ Apr 7 2016, 11:29 AM)
The problem now is the property prices got inflated at an unreasonable price by flippers which I think is the fundamental problem.
*
yeah. that is the problem which gov needs to look at. to get to the root of the issue. its like throwing a panadol at a cancer patient.

the allocation i think is RM200m for this year. what i would do if i was gov is create a ranking system or something like that to provide to those more in need (perhaps there is?)

something like.

Household income -
<2k (allocated 20% rebate with max home purchase of <RM300k)
<3k (allocated 15% rebate)
<5k (allocated 10% rebate)
<10k (allocated 2-5% rebate)

but i wish they would focus on those income groups truly in need. i would rather they dont have this at all and spend the RM200m to move people out of slums or provide better welfare or something. people are stealing milo for god's sake!


gks
post Apr 7 2016, 11:37 AM

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QUOTE(panda-man @ Apr 7 2016, 11:25 AM)
my gaji RM2.5k last time still buy a RM250k apartment. why RM10k household income need RM30k 'free' gift? if gaji RM10k cant afford a house they need to re-evaluate their spending, probably driving godcar and using ipong. anyways dont support this. i support only if for low income earners <RM4-5k household  income.

why my tax dollars need to go to middle to high income households.

i support tongkat to the low income group. not give tongkat to my own damn income group. wat the FK!?
*
This is a scheme to buy more votes from middle income group

Like Maju's Sungai besi project. Option scheme to middle group people to own properties
panda-man
post Apr 7 2016, 11:40 AM

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QUOTE(gks @ Apr 7 2016, 11:37 AM)
This is a scheme to buy more votes from middle income group

Like Maju's Sungai besi project. Option scheme to middle group people to own properties
*
yeah. but didnt wanna say hahah. chances are low income group wont take advantage of this like the middle income due to probably financial knowledge to leverage and risk on investment and such. but i guess those who are eligible, very lucky. 30k discount is awesome. can reno whole kitchen to signature kitchen laugh.gif
mafa2801
post Apr 7 2016, 11:40 AM

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If im not mistaken, this scheme have already been applied in foreign countries like (UK & etc).
Maybe we can study this case in other foreign countries..(their impact,pros & cons & etc)
gks
post Apr 7 2016, 11:40 AM

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QUOTE(Kilohertz @ Apr 7 2016, 11:29 AM)
The problem now is the property prices got inflated at an unreasonable price by flippers which I think is the fundamental problem.
*
Flippers is not the root cause problem of property prices go up. Flipper just take advantage of demand to sell the property for a profit.

It is supply and demand, easy financing and low interest environment that attract the prices to go up.

lkwah86
post Apr 7 2016, 11:43 AM

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Garis Panduan:
http://ehome.kpkt.gov.my/index.php/dl/5458...e6935775a47593d
gks
post Apr 7 2016, 11:46 AM

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got moratorium 10 years like RUMAWIP scheme which what I expected.

This post has been edited by gks: Apr 7 2016, 11:46 AM
mafa2801
post Apr 7 2016, 11:52 AM

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then this is good for RUMAWIP buyers! rclxms.gif rclxms.gif rclxms.gif
Time Walker
post Apr 7 2016, 11:56 AM

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just curious, how do they know i renting out the house if i own one of government scheme property
ragzs
post Apr 7 2016, 12:10 PM

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QUOTE(Time Walker @ Apr 7 2016, 11:56 AM)
just curious, how do they know i renting out the house if i own one of government scheme property
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I dont think they will care whether ur renting out or not. They didnt mention anyhting about own-stay. This is more for ppl who just want to buy a house. Much more flexible than the PR1MA housing nonsense
ragzs
post Apr 7 2016, 12:11 PM

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QUOTE(panda-man @ Apr 7 2016, 11:25 AM)
my gaji RM2.5k last time still buy a RM250k apartment. why RM10k household income need RM30k 'free' gift? if gaji RM10k cant afford a house they need to re-evaluate their spending, probably driving godcar and using ipong. anyways dont support this. i support only if for low income earners <RM4-5k household  income.

why my tax dollars need to go to middle to high income households.

i support tongkat to the low income group. not give tongkat to my own damn income group. wat the FK!?
*
Haha absolutely man! For this almost everyone can qualify.. its crrrrazzzyy
AveoHzq
post Apr 7 2016, 12:12 PM

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So the condition is cant flip within 10 years of the purchase? Or cant rent out too?
ragzs
post Apr 7 2016, 12:14 PM

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this isn't pr1ma.. this is just a govt scheme to give out money to the homeowner to buy their first property. so far no T&c's given out. Maybe our fellow sifus can help search the net to find
panda-man
post Apr 7 2016, 01:07 PM

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QUOTE(ragzs @ Apr 7 2016, 12:11 PM)
Haha absolutely man! For this almost everyone can qualify.. its crrrrazzzyy
*
if they can rebate 10% of my first house. then i will say i support. haahhahaha. consider it as my tax rebate. otherwise govt is just smacking tons of existing home owners in the face. people who just signed contract past few months for first home. really must bangwall.gif kecian... i hope they put in the T&C, 'LHDN will perform audit on all applicants' rclxms.gif rclxms.gif for sure narrow the field. kekeke.

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