(Kali terakhir saya bangkitkan dalam perbahasan Bajet 2011 pada Oktober 2010. Ketika itu Hutang isi rumah teleh meningkat kepada 76.6 peratus bagi tahun ini daripada 63.9 peratus KDNK (RM389 bilion).
Hutang isi-rumah berpunca daripada hutang rumah dan hartanah (50 peratus); pinjaman kereta (27 peratus); pinjaman peribadi (8.9 peratus); dan hutang kad kredit (6.3 peratus) ketika itu. Kini masalah hutang peribadi kembali mencemaskan dan laporan ini mungkin menunjukkan secebis dari permasalahan sebenar Dr Dzul)
Wahid vocalization to Maybank shareholders during their Annual General Meeting hold during Sime Darby Convention Centre Sep twenty-nine 2010. Picture by Choo Choy May
KUALA LUMPUR, Sept twenty-nine Malaysia's largest lender urged authorities today to step up monitoring of personal loans, saying which it was apropos a cause for concern.
This comes as a nation's domicile debt augmenting from 66.7 per cent in 2004 to 76 per cent in 2009, which is uncomfortably close to US levels prior to a 2008 monetary crisis.
Malaysians have been confronting augmenting monetary pressures as salaries have not kept up with inflation as well as most spin to personal loans as well as credit cards to assistance account vital expenses.
The distance of a income lending attention is reflected by a border of advertising of personal loans, most with a interest rate of a single per cent a month.
Some vernacular newspapers lift two to 3 full pages of advertisements for personal loans as well as stickers promoting income lending vendors additionally appear frequently pasted upon lamp posts, empty shoplots as well as a boots of taxi cabs.
Figures supposing by Bank Negara in Mar show which personal loans done up fifteen per cent of a ove! rall dom icile debt composition.
"We need stronger enforcement upon personal loans," pronounced Maybank CEO Datuk Seri Abdul Wahid Omar in a press discussion following Maybank's AGM here today.
He additionally referred to which non-bank lenders of personal loans should look during taking advantage of a little of a same standards as a banks with regards to underwriting a loans.
The Maybank chief additionally voiced concern which there was "over-competition" in Malaysia's promissory note sector with banks being assertive in pricing their loans to capture customers.
Wahid pronounced which Maybank's loans expansion is approaching to delayed as it was typically twice which of a country's GDP expansion rate which is additionally approaching to delayed this year, though combined which a peculiarity of its assets would continue to improve.
Figures supposing by Bank Negara in Mar showed which "liquid" assets accounted for 64.6 per cent of domicile monetary assets though 30 per cent of those assets comprise EPF assets which have been meant to be assets for retirement.
Housing loans meanwhile accounted for 45 per cent of domicile debt followed by automobile financing during 20 per cent, personal loans during fifteen per cent as well as credit cards as well as squeeze of securities, each during 5 per cent.
The executive bank is approaching to deliver a brand new set of lending discipline in a third quarter of this year to assistance make firm responsible lending by banks to households.
Large numbers of Malaysians have been additionally confronting trouble arising from bad management of personal finances.
Some 147,000 individuals have enrolled in programmes sponsored by Bank Negara's Credit Counselling And Debt Management Agency (AKPK) given 2006.
Married individuals done up a bulk of those enrolled in AKPK programmes during a period starting 2007 to Mar 2011 during 76.6 per cent whilst 43.6 per cent were between a ages of 30 as well as 40.
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