4 Banks Offering Loans to Applicants of Skim Rumah Mesra Rakyat (RMR)

The Skim Rumah Mesra Rakyat (RMR) applicants of the National Housing Company Limited (NHC) can make mortgage loans through four financial institutions, namely commercial banks, CIMB Islamic Bank, Maybank and Bank Rakyat beginning this year. Chairman Datuk Idris Haron said the process different scheme applications when conditions are determined by the NHC loan applications and financial institutions that applied. 
 
"The bank together NHC determine the eligibility of applicants enacted” said Idris. 
History of the applicant's personal financial management must be better than ever when NHC manages itself," he told reporters at the NHC people-friendly event in Ipoh.
 
Applicants who are blacklisted by CTOS or Credit Tip-Off Service Sdn Limited and the Central Credit Reference Information System (CCRIS) are not eligible for a loan. "Banks may give approval to the applicant that is not blacklisted by CTOS or CCRIS bank lender National Bank if the policy violates lend to those listed in the system," he said. 
 
He also said that the application process is not difficult but it is more thoroughly than ever before. "Process is not complicated but it is just pickier than NHC," he said. Idris said the NHC still use IBS to maintain an area of 1,000 square feet with three rooms and two bathrooms. "Conditions of approval is that applicant must own the land, no dependents and income must not exceed RM3,000," he said. 
 
He said this year NHC will build 11,800 RMR which will begin in Tambun. "Applicant housing schemes amounted to 34.678 last year. Perak is one of the highest (construction RMR) of 1,959 housing units completed in 2002, which was built in the 26 parliamentary constituencies of the state," he said. 
 

People Friendly Home

1. What is the concept of building Rumah Mesra Rakyat program?
 
People-friendly home is a concept house with three (3) bedrooms, two (2) bathroom area 866 sq ft and 700.
 
Design
 
Breadth 866kps
 
Breadth 700kps
 
 
2. Who is eligible to apply for under this program?
 
Program are eligible for poor families with a household income of less than RM1, 500 a month and have no home or live in dilapidated houses (poor) but have land for construction free from any restrictions.
 
3. Where does the NHC to obtain financing for this project?
 
NHC has been granted a loan by the Federal Government to finance the Rumah Mesra Rakyat program with method one-third (1/3) of the cost of the subsidy by the government, while two-thirds (2/3) were given interest-free loans to applicants based on the concept Qadrul - Hassan .
 
4. What is the monthly payment to be completed by the applicant based on the concept Qadrul-Hassan?
 
Monthly loan repayment is RM150 per month until the end of the loan as scheduled.
 
Type up area of ​​866 sq ft / 700 sq ft

Note: * lowland areas prone to rising water
 
Type up area of ​​700 sq ft
 
 
5. What are the qualifications of the applicant?
 
Applicants are eligible to apply for Green House of Representatives are:
  • Malaysian.
  • Applicants must be aged 18 to 65 years.
  • Household gross income not exceeding RM1, 500 per month.
  • Do not have their own home or have a home that obsolete / not perfect.
  • Have a soil / site appropriate and there is no restriction / charge it. If the land does not belong to the applicant, the Certificate / Statutory Permission from landowners is required to build and mortgage the land to the NHC.
  • Married or, mother / single father with dependents.

 

Projects

The upcoming social housing project known as “Projeck Rumah Mesra Rakyat” will be allocated with a budget of RM100 million. This allocation will enable the construction of an additional 1,500 units of houses across the country by Syarikat Perumahan Negara Berhad. It adds to the RM837 Million that the government has already allocated for this scheme up to June this year. The scheme is especially meant to assist those with household incomes of RM 1,500 or less, who are unable to obtain housing loans, to still to own their own homes.

NHC 11,000 people-friendly home

 
State Housing Company Limited (NHC) will build 11,030 units of Rumah Mesra Rakyat (RMR) involving RM717 million investment this year. NHC managing director, Datuk Dr. Kamarul Rashdan Salleh ( picture ) said it people friendly housing demand has been increasing since 2007 when the government subsidizing RM20,000 worth of home price of RM65, 000.
 
Storey house with full facilities with three bedrooms and two bathrooms with an area of ​​1,000 square feet is only RM45,000 per unit.
 
'' We have completed more than 11,000 units this year, too, "he told The Star Malaysia during a meeting at his office here yesterday.
 
NHC had approved a total of 31,311 applications involving the allocation of RM2 billion. Out of the total of 17,479 applications were completed and submitted house keys.
 
"This year alone, we were handed the keys to the 2,812 applicants who have been successful," he said.
 
NHC responsible for implementing the Affordable Homes Programme (RMM) and Rumah Mesra Rakyat program (RMR) to ensure that low-income earners have affordable homes. Dr. Kamarul Rashdan said NHC implement people-friendly home is through two methods, namely through the use Industrialise Building System (IBS) and IBS with conventional combination. He said NHC target is to build 50 percent and 50 percent of IBS in IBS and conventional combination in the future. He said, through the construction of IBS, the home construction can be completed within a period of 10 days.
 
"In the construction of this home users prefer the design is beautiful and we will ensure that homes are built for occupation because we have certain standards for the construction of houses," he said.
 
Until now the highest state of Johor was constructed house, comprising of 4920 units, 4813 units of Kelantan and Terengganu 4756 units. Dr. Kamarul Rashdan said the conditions attached to this application they have to have a land of their own or a family member permission to build a house, got married and do not have a home. He said the reason the application be approved because they failed to apply declared bankrupt, no jobs and no fixed income and only for Malaysian citizens.
 
"For those who work as rubber tappers, they can produce rubber sales receipts as income.
 
"What struck again when finished house would be worth about RM82, 000 but they only have to pay back between RM150 to RM250 a month," he said.
 
 
Sources derived from www.utusan.com.my
 
 

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