国家出招了

Bank Negara Malaysia announces today, the implementation of a set of measures aimed at avoiding excessive household indebtedness and to reinforce responsible lending practices by key credit providers. These measures, which take effect immediately, complements the earlier measures introduced since 2010 to promote a sound and sustainable household sector.

The measures are:
Maximum tenure of 10 years for financing extended for personal use;
Maximum tenure of 35 years for financing granted for the purchase of residential and non-residential properties;
Prohibition on the offering of pre-approved personal financing products.

The limits on financing tenure will not affect applications made before today.


These measures are issued pursuant to section 31(1)(a) of the Central Bank of Malaysia Act 2009 and apply to all financial institutions regulated by Bank Negara Malaysia, credit cooperatives regulated by the Suruhanjaya Koperasi Malaysia, Malaysia Building Society Berhad and AEON Credit Service (M) Berhad. This is to ensure consistency in the financing practices across all the key credit providers.

我国人民负债越来越高，连我这个小毛头也去学人贷款买房子。看到这则新闻，我想了想，还好我是贷款四十年的，不然就没有机会了。个人贷款则于我无关了。

个人贷款从二十五年缩到十年，房屋贷款从四十年缩到三十五年。虽然这样有效的限制人民的负债，但是正确的理财教育还是需要加强。

不过嘛，我看到这则新闻，第一时间就想到MBSB。 果然今天一开市就跌了，看来很多人对此事有保守的看法。每则新闻有好有坏，在于有没有影响到你，应保持乐观看待事情。

转载： http://www.bnm.gov.my/index.php?ch=en_press&pg=en_press_all&ac=2841&lang=en