scenaro B is rich fella. coz he got so many asset. who told to have so many loan?
for scenario A, so just put remaining 100. why need to put 3k? no one can predict every month save 3k.
Therefore put all expenses can get more subsidiary coz got more commitment? a bit dumb to evaluate. at the end still look on salary income (most people when got more money, high purchasing power).
If income less, how can have more expenses...(unless they keep use cc) -> this scenario is dig problem in future

tehoice

Based on what they want in PADU..
The commitment is all the loans payment & insurance $$$$
Not your monthly expenses for food or petroleum products...

So they would give the bantuan $$$ on that....

There's some catch...

Too much housing loans (more than 1) & cars trigger for more audits...
Good luck... If u don't declare rental income $$$

I dont plan to submit my PADU now since there still time until deadline

tehoice

Based on what they want in PADU..
The commitment is all the loans payment & insurance $$$$
Not your monthly expenses for food or petroleum products...

So they would give the bantuan $$$ on that....

There's some catch...

Too much housing loans (more than 1) & cars trigger for more audits...
Good luck... If u don't declare rental income $$$

Car loan = 1k

Geese,
A has 20k income, 1 banglo House loan and1 Merc car loan commitments.
Left with little % of money to spend.

B has 2k income, no loan commitment
Has 100% of income to spend on room rentals, public transportations and meals

A gets subsidies bcos he has little to spend??
While B gets no helps bcis he has 100% to spend?
Haha ha

why car loan only 1k so low for T20? should gomen punish t20?  people B40 salary 2k can buy x70 loan 1k sure get subsidy - seen in kopitiam section.
So, say, I choose to have no debt, no car, no kids and I'm single earning 4k monthly can consider t20?

tehoice

Based on what they want in PADU..
The commitment is all the loans payment & insurance $$$$
Not your monthly expenses for food or petroleum products...

So they would give the bantuan $$$ on that....

There's some catch...

Too much housing loans (more than 1) & cars trigger for more audits...
Good luck... If u don't declare rental income $$$

I dont plan to submit my Padu until the gomen

1) remove the current petrol subsidy

2) announce how much petrol subsidy for the targeted group.

I think the nett money also play role...

Not the percentage of deduction after all the loans commitment...

I bet it's gonna be 5k nett income...
Below gets everything according to how much people u need to feed... More people need to feed... More $$$ given...
Less people need to feed... Less money given...

So we get that the ultimate goal of the gomen is wanting to move away from the conventional B40, M40 and T20 concept by estimating one's disposable income.

I wish to clarify what is the definition of "disposable income"?

Let's just throw in some scenario to understand better:

Scenario A
A person who earns gross income of RM20k per month with net income say, RM14k per month
Married with 3 kids and wife not working, so he has 4 dependents.
Housing loan or rental = 2k
Car loan = 1k
Household spending = 8k including expenses for 3 kids, including insurance, utilities etc.
So leaving behind 3k for savings or rainy days or for investments (14k - 2k - 1k - 8k = 3k)
Scenario B
A person who earns gross income of RM20k per month with net income say, RM14k per month
Single and no dependent
Housing loan A = 3k
Housing loan B = 2k
Housing loan C = 2k
Car loan = 1k
Household spending = 4k for self.
So leaving behind 2k for savings or any other things (14k - 3k - 2k - 2k - 1k - 4k = 2k)

Let's just assume no other income for both scenarios and forget about bonus and other perks first.

Based on previous categorisation, both scenarios also considered as T20 right?
In the above assumptions, seems like Scenario B is more T20 compared to Scenario A?

So how do we determine net disposable income? what is disposable income?
What constitutes commitments? housing loan or car loan or any other loan consider as commitment? or just dependents?
Which scenario will be eligible for subsidy? such as petrol subsidy.

why need to mafan to implement this?

Whoever drives luxury car with purchase price more than RM150k are automatically disqualified for petrol subsidy

why need to mafan to implement this?

Whoever drives luxury car with purchase price more than RM150k are automatically disqualified for petrol subsidy

How to justify luxury car 🤦‍♀️ as some grey imports are cheaper than 150k 🤦‍♀️ the best way is to remove subsidies and all file income taxes and claim the rebates yearly as subsidies instead

That solves a lot of problems and the burden will be on the people and IRB to process the rebates instead

How to justify luxury car 🤦‍♀️ as some grey imports are cheaper than 150k 🤦‍♀️ the best way is to remove subsidies and all file income taxes and claim the rebates yearly as subsidies instead

That solves a lot of problems and the burden will be on the people and IRB to process the rebates instead

How to justify luxury car 🤦‍♀️ as some grey imports are cheaper than 150k 🤦‍♀️ the best way is to remove subsidies and all file income taxes and claim the rebates yearly as subsidies instead

That solves a lot of problems and the burden will be on the people and IRB to process the rebates instead

why so many duplicated post =.=
too excited with padu.

So not just about high commitments should gets subsidies