Covid-19 Moratorium Bersasar.Bingung?Isi Kaji Selidik di Post 1

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Penbiru

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ahli politik sembang taik kucing...siapa boleh paksa bank ....bank pula mana nak rugi...ambil nama bank nak bantu rakyat...tidak lah...cekik darah adalah
 
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maxpda

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banyak yang terkesan lepas moratorium habis..

diharap kerajaan boleh pertimbangkan semula..
 

akudotcom

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Masih belum terlambat mohon bantuan bayaran balik pinjaman bank
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Gambar fail. Peniaga di Pasar Payang, Kuala Terengganu. - Foto: NSTP/Ghazali Kori
KUALA LUMPUR: Peluang untuk mendapatkan bantuan bayaran balik pinjaman sentiasa terbuka kepada perusahaan kecil dan sederhana (PKS) dan individu yang terkesan impak negatif penularan COVID-19, demikian jaminan peserta industri perbankan.

Ia merangkumi semua termasuk individu dan perniagaan yang terjejas susulan pelaksanaan perintah kawalan pergerakan bersasar berikutan peningkatan kes penularan COVID-19 ketika ini.

Mereka yang berdepan masalah pembayaran balik pinjaman perlu segera menghubungi bank masing-masing bagi membolehkan mereka mendapat bantuan kewangan yang bersesuaian dengan keadaan yang dihadapi mereka.

Malah, bank memberi jaminan proses kelulusan adalah pantas sekiranya maklumat yang diberikan adalah mencukupi untuk bank menilai bantuan yang bersesuaian.

Wakil Persatuan Bank-Bank Dalam Malaysia (ABM), Mohd Zaini Aris, berkata bank sentiasa terbuka untuk menerima permohonan bantuan pembayaran balik pinjaman peminjam yang berdepan masalah kewangan berikutan impak penularan COVID-19, yang mana kini jumlah jangkitan meningkat semula di beberapa kawasan yang mendorong pelaksanaan Perintah Kawalan Pergerakan Diperketatkan Secara Bersasar (PKPD Bersasar).

Beliau berkata, mereka yang terjejas tidak perlu risau, apa yang perlu dilakukan adalah segera menghubungi bank masing-masing untuk menjelaskan kedudukan yang dihadapi mereka dan memberikan maklumat yang mencukupi untuk memudahkan bank memproses dan meluluskan permohonan mereka dengan segera.

Katanya, bantuan kewangan yang diberikan adalah mengikut keperluan individu dan PKS yang terjejas.

"Masih belum terlambat untuk mereka yang berdepan masalah pembayaran balik pinjaman untuk mendapatkan bantuan pembayaran balik pinjaman.

"Apa yang perlu dilakukan adalah menghubungi bank supaya bank tahu kedudukan kewangan peminjam dan memberikan bantuan kewangan yang sesuai dengan keperluan mereka," katanya.

Beliau berkata demikian pada webinar 'Bantuan Bayaran Balik Pinjaman untuk PKS: Masih Belum Terlambat' yang dihoskan oleh Penolong Gabenor Bank Negara Malaysia (BNM), Adnan Zaylani Mohamad Zahid.

Sementara itu, wakil Persatuan Institusi Kewangan Pembangunan Malaysia (ADFIM), Mujibburrahman Abd Rashid, berkata terdapat beberapa pakej bantuan pembayaran balik pinjaman yang disediakan bank untuk peminjam yang terjejas.

Beliau berkata, antara bantuan itu ialah lanjutan moratorium tiga bulan; penstrukturan semula untuk mengurangkan bayaran ansuran bulanan sesuai dengan pengurangan pendapatan peminjam; hanya membayar bahagian faedah saja selama 12 bulan dan melanjutkan tempoh pinjaman bagi sewa beli.
 

kamal_kampong

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pinjaman ni lambat @ cepat camne pun kena bayor juga..

cuma bg yg terkesan pegi ler berbicang dgn bank utk lanjut 3 bulan lagi..tp masa yg sama kena atur strategi dah camne lepas 3 bulan lg tu..
 

akudotcom

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Loan moratorium ends: Borrowers scale back spending
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Following the end of the loan moratorium on Sept 30, borrowers who are not eligible for a three-month extension are scaling back their spending. NSTP file pic
KUALA LUMPUR: Following the end of the loan moratorium on Sept 30, borrowers who are not eligible for a three-month extension are scaling back their spending.

They said being prudent was part of their new normal.

Fatin Zakaria, 33 said she continued her repayment plans this month as she did not want to be burdened in future.

"Since March, my disposable income had increased as it was meant for the loan repayment.

"Naturally, it is not easy going back to being prudent.

"However, it has to be done to set the rhythm for my spending pattern in the future," she said.

She said good discipline was key to financial stability.

"I don't believe in taking another loan because I don't want to be burdened in the long run.

"It is better to live with what I have right now and spend wisely."

Nor Akmar Samudin, 51, said she would start repaying her loan this month and had a tighter budget for her expenditure.

"I don't buy things unnecessarily anymore.

"When I shop, I only make sure that I buy only what I need, not what I want.

"However, I still feel the pinch when it comes to paying monthly bills.

"Another area that I can't cut back is my children's study expenses," she said, adding that she took up a few jobs to make ends meet before the pandemic.

Mohd Azrone Sarabatin, 45, was thankful that his application for a loan moratorium extension was approved as he was still looking for a permanent job.

"Since the start of the Movement Control Order, my family and I have been planning our expenses carefully.

"We buy only daily essentials and rarely go out on weekends or eat outside. I have yet to find a permanent job after being laid off."

He said he was protected under the Employment Insurance System programme under the Social Security Organisation .

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(Clockwise, from top left) Fatin Zakaria, Nor Akmar Samudin, Mohd Azrone Sarabatin and Halida Hanim
Halida Hanim, 26, said she was working a second job to repay her loan.

"I have just started a family, so it can be a struggle. I am running a small business. Although many businesses are suffering now, I am thankful that I can keep mine afloat.

"I also save up more now, because we can never tell what's around the corner. Taking another loan would be my last option,"

She said she hoped the government would revise the application criteria to allow more people to extend their loan moratorium.

Amalgamated National Union Local Authorities Employees president Datuk Azih Muda said borrowers should be allowed to restructure their debts if the moratorium extension period was no longer allowed.

"What is important now is for borrowers affected by debt to be able to review their daily and monthly spending plans.

"Banks and financial institutions should relax the conditions in line with the new norms and to prevent borrowers from declaring bankruptcy.

"The moratorium has eased borrowers' financial burden resulting from loss of income, especially those who have lost their income from side jobs."
 

akudotcom

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Segera hubungi bank jika sukar bayar pinjaman
Kuala Lumpur: Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyarankan peminjam mengambil langkah proaktif dalam menilai kedudukan kewangan mereka pada masa ini dan masa hadapan berikutan tempoh automatik moratorium bakal berakhir esok.

Ketua Pegawai Eksekutif AKPK Azaddin Ngah Tasir berkata, pelanggan yang menjangkakan berdepan kesukaran untuk meneruskan pembayaran balik pinjaman harus menghubungi pihak bank masing-masing bagi berbincang pembayaran balik pinjaman mereka selepas moratorium berakhir.

"Ketika ekonomi negara sedang menunjukkan tanda-tanda pemulihan, kami faham masih terdapat ramai individu yang cuba sedaya upaya untuk menangani impak pandemik Covid-19.

"Terdapat pelbagai pilihan bantuan pembayaran balik pinjaman bersasar bagi membantu pelanggan menguruskan kewangan mereka dengan lebih baik. Antaranya seperti mengurangkan jumlah komitmen bulanan, melanjutkan jadual pembayaran balik pinjaman atau menukar syarat-syarat pembiayaan bagi menyesuaikan diri mereka dengan situasi yang belum pernah berlaku sebelum ini," katanya tadi.

Pihak AKPK akan menyediakan beberapa pelan pembayaran balik pinjaman yang sesuai selepas mempertimbangkan komitmen kewangan pelanggan secara menyeluruh.

"Pelanggan juga boleh mendapatkan nasihat dan bantuan daripada AKPK sekiranya cadangan dari pihak bank tidak memenuhi komitmen kewangan mereka secara menyeluruh ataupun mereka sudah pun mempunyai beberapa pinjaman dari bank," katanya.

AKPK juga ada menyediakan khidmat kaunseling dan pendidikan dalam pengurusan kewangan secara berhemat.

"Khidmat-khidmat itu akan membantu pelanggan untuk meningkatkan produktiviti mereka di tempat kerja dan dan seterusnya memberikan ketenangan minda apabila situasi kewangan terkawal," tambah beliau.

 

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Bank Negara to cut interest rates again, in November?
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Bank Negara Malaysia (BNM) could possibly cut interest rates again in November following rising Covid-19 cases and stalling economic recovery, Standard Chartered Bank said.Muhd Amin Naharul
KUALA LUMPUR: Bank Negara Malaysia could possibly cut interest rates again in November following rising Covid-19 cases and stalling economic recovery, Standard Chartered Bank said.

Standard Chartered also said the imposition of Conditional Movement Control Order (CMCO) on certain states for two weeks would shave 0.4 percentage point off Malaysia's 2020 gross domestic product (GDP) growth.


"The resurgence in Covid-19 infections and latest high-frequency data suggest that the economic recovery momentum is stalling, with only a moderate improvement in the labour market.

"Bank Negara may be less neutral now and we see a risk of the central bank cutting rates again in November. Nevertheless, we maintain our call for unchanged policy rates," Standard Chartered said in a report today.

The bank noted that the rates were already at a historical low and further cuts might have only a limited marginal impact with pandemic restrictions in place, and reduce future policy space.

"We also think that a contained resurgence in infections and the pace of economic activity may not slow down as much as in the previous CMCO phase.

"The key will be the effect on consumer and business sentiment, but this will depend on the developing local infection situation. Further broadening or extension of the CMCO may result in a more pre-emptive decision by the central bank," it added.

Standard Chartered kept its 2020 GDP forecast at a 4.4 per cent contraction but acknowledged downside risks to its forecast.

"Assuming that its base case did not incorporate a re-imposition of restrictive measures, the two-week CMCO may reduce the 2020 median GDP forecast to -5.0 per cent, still within the forecast range," it said.

The official growth forecast for Malaysia is -5.5 per cent to -3.5 per cent.
 

syamsoulcc

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harap moratorium lg...hmmm...

...tahun ni banyak urusan nk buat...dan tahun ni jgk la bencana menimpa......

habis tergendala banyak urusan....hmmmmmmmmmmmmmm
 

akudotcom

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Bank setuju teruskan bantuan bayaran balik pinjaman hingga 2021
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Bank setuju meneruskan bantuan berkaitan pembayaran balik pinjaman kepada kumpulan terkesan akibat COVID-19 sehingga tahun depan. - Foto NSTP/ Ghazali Kori
KUALA LUMPUR: Pihak bank bersetuju untuk meneruskan bantuan berkaitan pembayaran balik pinjaman kepada kumpulan terkesan akibat COVID-19 sehingga tahun depan, kata Tan Sri Muhyiddin Yassin.

Perdana Menteri berkata, bantuan itu khusus kepada individu, perusahaan kecil dan sederhana (PKS), syarikat atau pihak lain yang berdepan masalah untuk membayar pinjaman mereka disebabkan penularan COVID-19.

Setakat ini, katanya, sebanyak 98 peratus permohonan untuk melanjutkan moratorium atau bantuan lain berkaitan bayaran balik pinjaman sudah diluluskan.

Daripada jumlah itu, kata Perdana Menteri, sebanyak 40 peratus membabitkan inisiatif lanjutan moratorium bersasar, manakala 60 peratus lagi menerima pengurangan bayaran ansuran bulanan, yang ditentukan berdasarkan keperluan dan keadaan kewangan pemohon.

"Pihak bank memaklumkan mereka akan terus memberikan bantuan pembayaran balik pinjaman sehingga 2021.

"Jika ada kes membabitkan individu, PKS dan lain-lain, saya nasihatkan anda masih boleh mengadakan rundingan dengan institusi kewangan untuk mendapatkan apa sahaja bantuan yang diperlukan.

"Selain itu, melalui Pelan Jana Semula Ekonomi Negara (PENJANA) dan terbaru, Kerangka Inisiatif Tambahan Pakej Rangsangan Ekonomi Prihatin Rakyat (KITA PRIHATIN), itu juga bentuk bantuan bagi mengurangkan tekanan ekonomi kepada kumpulan yang terkesan," katanya pada sidang media maya yang disiarkan secara langsung, hari ini.
 
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