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7 SEBAB KENAPA KAKITANGAN AWAM WAJIB TOLAK SKIM PINJAMAN PERUMAHAN DI BAWAH LPPSA

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
Government housing loan berakhir pd 31/12/2015. Selepas ini dah x wujud bahagian perbendaharaan perumahan (BPP). Permohonan govt loan dah diswastakan bermula 1/1/2016. So semua permohonan govt loan diperketatkan macam permohonan loan di bank2 swasta. Rekod ctos dan tanggungan pemohon diambil kira. Tak macam sebelum2 ni. Interest rate pun dah naik. So sebarang urusan pinjaman perumahan govt diarahkan utk diselesaikan sebelum 31/12/2015. Kalau tak sempat selesai, semua permohonan dan dokumen kena buat lain di bawah LPPSA - Lembaga Pinjaman Perumahan Sektor Swasta (nama baru bagi BPP).

7 SEBAB KENAPA KAKITANGAN AWAM WAJIB TOLAK SKIM PINJAMAN PERUMAHAN DI BAWAH LPPSA

1. Akta LPPSA memberi kuasa yg luas kpd Menteri Kewangan dan pengurusan LPPSA untuk menentukan segala perkara dasar dan polisi berkenaan dgn pinjaman perumahan kakitangan awam. Ini boleh mendedahkan kpd salah guna kuasa untuk kepentingan pihak-pihak tertentu.
2. Tiada jaminan di dalam Akta LPPSA bahawa segala terma dan syarat2 pembiayaan spt kadar faedah 4% dan syarat-syarat kelulusan pinjaman akan kekal sama spt pinjaman perumahan di bawah BPP sebelum ini. Semuanya bergantung kpd budi bicara Menteri dan LPPSA sepenuhnya.
3. LPPSA mempunyai hak untuk meminjam wang drpd institusi kewangan dan terlibat dengan pelaburan serta boleh mencagarkan dan mensekuritikan kepentingan dan hak LPPSA terhadap hartanah yg digadaikan oleh peminjam. Ini boleh memberi risiko kerugian kpd LPPSA. Kesannya, kepentingan dan hak peminjam boleh terjejas.
4. Segala harta, hak, kepentingan, obligasi dan liabiliti Kerajaan berkaitan dgn pentadbiran pinjaman perumahan kakitangan awam akan diletakhakkan (dipindahkan) sepenuhnya kpd LPPSA.
Ini beerti kerajaan tidak lagi campur tangan dlm urusan pinjaman kakitangan awam slps ini dan ianya tertakluk kpd bidang kuasa dan budi bicara LPPSA sepenuhnya.
5. Kakitangan kerajaan yg memohon pinjaman perumahan di bawah LPPSA hanya boleh menggunakan peguam panel yg telah disediakan oleh LPPSA shj. Tidak sebagaimana sebelum ini dimana peminjam boleh melantik peguam mereka sendiri untuk menguruskan urusan pinjaman perumahan.
Sudah pasti peguam panel yg dilantik oleh LPPSA tidak akan melindungi hak dan kepentingan peminjam sepenuhnya. Berkemungkinan juga ada caj tambahan (processing fees) yg akan dikenakan oleh LPPSA utk dokumentasi yg disediakan oleh peguam panel.
6. Urusan pinjaman juga akan menggunapakai dokumentasi baru dan tidak lagi terikat dengan terma2 dan syarat2 sbgaimana dokumentasi pinjaman perumahan di bawah BPP.
7. Akta LPPSA membenarkan LPPSA menubuhkan syarikat utk terlibat dlm perniagaan bagi mencari dana kewangan. Ini akan mendedahkan LPPSA kepada risiko untung dan rugi.
Kesannya, pinjaman perumahan kerajaan tidak akan selamanya kekal sama ttp sebaliknya tertakluk kpd untung dan rugi perniagaan dan kewangan LPPSA sepenuhnya.

Oleh;
Presiden 
Persatuan Guaman Hartanah Malaysia 
(HartaGuam)
SHARE posting ini untuk maklumat semua kakitangan awam.
Moga SHARE anda terhadap posting ini mampu memberi desakan kpd pihak berwajib utk menangguhkan perlaksanaan skim pinjaman perumahan kakitangan awam di bawah LPPSA ini sehingga satu kajian mendalam dilakukan dan pendapat drpd kakitangan awam, peguam hartanah dll pihak yg berkepentingan diambil kira.
‪#‎LPPSA‬
‪#‎Hartaguam‬
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