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Tag: Bank Negara

Cara Semak CCRIS secara offline atau online

Ramai yang bertanya kepada saya, apa cara nak semak CCRIS tu? Boleh ke semak ccris tu secara online? Kena check offline je ke ? Maksud semak offline ni ialah kita pergi ke cawangan BNM (Bank Negara) dan check ccris kita di situ.

 

Anda pasti tercari cari kan cara untuk check ccris. Oleh itu anda sedang membaca artikel yang betul. Saya akan cuba terangkan kepada anda bagaimana nak check CCRIS anda dengan cara yang mudah.

CCRIS Report

Contoh laporan CCRIS

Apa itu CCRIS?

Kenapa kita kena check CCRIS ni sebelum kita nak apply loan rumah? Ini kerana semua bank di Malayia seperti Maybank, CIMB atau RHB Bank setiap bulan akan menghantar info pelanggan mereka yang mempunyai kemudahan bank seperti housing loan (loan rumah), pembiayaan hartanah, pembiayaan peribadi, personal loan, hutang kad kredit kepada BNM (Bank Negara), lebih spesifik –> Credit Bureau (Jabatan Kredit) di Bank Negara Malaysia.

CCRIS (Central Credit Reference Information System) menyimpan semua info pelanggan bank di dalam satu sistem data berkomputer. Ini adalah laporan pelanggan yang dilaporkan oleh semua bank. Kalau bank tu tak hantar laporan, tak adalah rekod anda dalam CCRIS. Dikatakan terdapat lebih daripada 9 JUTA info pelanggan yang disimpan di dalam CCRIS.  Semua info ini boleh diakses oleh semua Bank jika terdapat keperluan sahaja. Jangan risau jika info anda ada di dalam CCRIS ini sebab ianya dilindungi di bawah BAFIA (Akta Bank). Contohnya, kalau kita apply kad kredit, barulah bank tu boleh gunapakai CCRIS utk check rekod kita. Bukan boleh main check sesuka hati je.

Apa info yang ada dalam CCRIS?

Kita boleh print laporan CCRIS sendiri di cawangan Bank Negara yang berhampiran. Laporan tersebut akan menunjukkan pelbagai info seperti:

  • jumlah pinjaman
  • interest
  • caj-caj tertunggak
  • PTPTN

pada setiap pinjaman atau pembiayaan anda termasuk jenis pinjaman.

Jenis Pinjaman/Pembiayaan :

  • perumahan
  • peribadi
  • kad kredit
  • sewa beli
  • overdraft

Bila kita print CCRIS tu, di atas kertas laporan tersebut nanti akan nampak rekod 12 bulan kita yang lepas dengan semua bank di Malaysia. 12 bulan ke belakang daripada tarikh kita print laporan tersebut. Jika ada kes bankrap atau saman pun akan ditulis di dalam laporan tersebut. Kalau kita tengah apply loan rumah ke, personal loan ke pun akan ditulis di dalam tu.


Kenapa kena PRINT CCRIS ? 

Ini bagi memudahkan pihak bank untuk buat penilaian terhadap tahap kredit anda. Caranya ialah dengan menganalisa semua kemudahan bank yang kita guna seperti :

  • setiap pinjaman,
  • baki pinjaman serta
  • rekod bayaran pinjaman anda.

Senang cerita, kalau anda ada tertunggak 2 bulan dan tertulis dalam laporan CCRIS tu, comfirm pihak bank akan REJECT permohonan anda.

Dengan laporan CCRIS ini juga, pihak BANK akan buat kiraan komitmen kita setiap bulan, dalam jadual DSR (Debt Service Ratio) anda setiap bulan. Penting ke untuk kita sendiri tahu berapa DSR kita? Jawapan = PENTING! Kalau DSR kita dah lebih drpd 70% tu dah boleh kira GAGAL la.  Sekarang ni PTPTN pun dah dimasukkan ke dalam CCRIS. Jadi jika anda tak bayar PTPTN lebih 3 tahun, maka CERAH la peluang anda untuk gagal apply pembiayaan rumah anda….

Nak PRINT CCRIS?

Ada 2 cara kita nak print CCRIS sendiri.

  1. Offline :
    Ground Floor, D Block, Jalan Dato’ Onn, Kuala Lumpur.
    Tel: 1-300-88-5465 (1-300-88-LINK) (Overseas: 603-2174-1717)
    Fax: 603-2174-1515 E-mail: bnmtelelink@ bnm.gov.myUntuk maklumat lanjut berkenaan CCRIS layari: http://creditbureau.bnm.gov.my
  2. Online:
    Nak check online, kita boleh terus layari website CCRIS : Klik SINI untuk CCRIS Online. Kalau nak telefon, boleh telefon BNMTELELINK di talian 1-300-88-5465. Saya difahamkan dalam masa 1 jam je kita dah boleh dapat CCRIS report kita…tapi kena buat pengesahan dulu. Jangan ingat kita boleh tolong check kan untuk orang lain. Kan info CCRIS tu rahsia?

 

Anda faham tak? Kalau faham, boleh tolong SHARE ?
Kita kongsi info ini dengan rakan rakan anda…

Berita Baik & Buruk untuk Anda!

Berita Baik :

Bank Negara tidak akan menaikkan OPR (overnight policy rate) – Kadar Dasar Semalaman (KDS) buat masa ini. Ramai orang menjangkakan BNM akan menaikkan. Aku siap jumpa banker dan lawyer yang bersungguh sungguh cakap interest akan naik. Aku pesan, benda ni bukan kita yang decide. Kita cuma boleh speculate sahaja…ramai yang speculate……

Lawyer ni siap cakap, banker yang bagitau dia. Banker dia dapat info daripada Mgt Bank….dalam hati aku cakap, Mgt Bank dia tu Tan Sri Zeti Akhtar Aziz ke ? kalau ia, aku akan percaya…hehehe

Berita Buruk :

Bank Negara sedang mengkaji kemungkinan akan buat polisi bagi Pinjaman Perumahan akan diberi 80% sahaja. Selama ini kita menikmati pinjaman Sebanyak 90% yang mana mampu membantu orang orang yang kurang berduit membeli rumah yang mahal.

80% sahaja ?????  Kalau beli rumah RM200,000

kena bayar deposit RM40,000 ?????

Mana mau cari duit ???

Apa Kata Anda ???

Tuanbri – Perunding Hartanah Lelong anda……mau beli rumah lelong? Kasi email/sms saya…

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Siapa yang nak baca dengan details :

Thursday September 2, 2010
Banks to try and prevent speculation on property prices
By ANGIE NG and SHARIDAN M. ALI
starbiz@thestar.com.my

PETALING JAYA: Bank Negara is engaging with banks on possible measures to curb excessive speculation on property prices while developers caution that it should not be imposed across the board to avoid dampening the property market.

Responding to queries on whether the central bank will be imposing a 80% loan-to-value ratio (LVR) for mortgages to avert the risk of a potential property bubble, the central bank said: “Bank Negara regularly engages with industry players as part of its surveillance and supervisory activity. The engagements cover a broad range of issues and areas that relate to developments on the ground, safety and soundness of the institutions and the overall system.”
Datuk Michael Yam … ‘Bank Negara should not impose a mandatory LVR cap on loans.’

It added that to ensure prudent management of credit risk in the banks’ balance sheets, the central bank regularly engages with the industry on developments in the underwriting and selling practices of financial institutions.

The share of housing loans to total loans is about 26%, according to the central bank.

When contacted, banking industry players said it was likely that any measures to be introduced would be pre-emptive measures to target certain quarters of purchasers and would not be across the board.

The measures are believed to be targeted at the high-end and non-owner occupied house purchasers.

Currently Bank Negara does not impose any standard policy on mortgage loans but leave it to the banks to manage.

But following a rise of between 10% and 30% in the prices of landed houses in some parts of the Klang Valley (including Kuala Lumpur) and Penang in the past one year, banking sources said Bank Negara might be looking at discontinuing the 5:95 and 10:90 housing loan packages, and preferred banks to impose higher downpayment for property purchasers.
Tan Sri Leong Hoy Kum … ‘We hope that any implementation of the 80% loan to value ratio will take into proper consideration the industry’s feedback and current market conditions.’

The bank sources concurred that over the longer term, there must be the flexibility to allow more relaxed loan quantum if the market needs it, especially if there is a recession.

OCBC Bank (Malaysia) Bhd head of secured lending Thoo Mee Ling said part of the rationale for the 80% LVR for mortgages could be to curb speculative property prices in the market currently.

“If it is implemented, home buyers will have to self-finance a higher amount than they do now. In the short term, coupled with entry costs such as legal, stamp and valuation fees, the property market will take a dive and it will subsequently dampen the mortgage business.

“In the long term, the measure would curb speculative property buying and promote a healthier property market. Therefore, both the banks and property market will become more resilient to any potential crisis,” she said.

Datuk Michael Yam, the president of Real Estate and Housing Developers’ Association Malaysia (Rehda), said Bank Negara should not impose a mandatory LVR cap on mortgage loans at this juncture as it would dampen buying sentiment with spillover effects on other related industries such as construction and building materials suppliers.

“The local banking industry is well regulated and banks are very prudent and stringent in their credit assessment of borrowers. Banks have, on their own initiative, cut down loan margins to borrowers and only those who are credible and can afford to repay their loans will be offered a higher loan margin.

“Banks also are very selective of what projects they extend loans to.”

Caution and prudence should be exercised when considering any measure for mortgage loans, said Yam, adding that it should not be across the board.

“It is better to leave it to market forces to decide as the banks’ stringent lending criteria is enough to ensure the quality of loans in the market,” he added.

Yam said that up to 90% of the country’s population are living in affordable houses priced below RM250,000, and the current low downpayment for property purchases has promoted home ownership among the lower to middle income group.

Mah Sing Group Bhd group managing director cum chief executive Tan Sri Leong Hoy Kum said a conducive financing environment was important to support the property industry, which was a significant engine of growth for the economy.

“We hope that any implementation of the 80% loan to value ratio will take into proper consideration the industry’s feedback and current market conditions.”

Leong said there was no property bubble at this juncture “as property price increases have not been across the board.”

“The properties which have been enjoying price appreciation are those with good concepts by branded developers, and sited in good locations.

“One must also take into account the construction cost, and also increasing price of good land in considering the prices of properties, which have gone up by 10% to 25% in the past 1½ years,” Leong added

Friday September 3, 2010
Overnight policy rate remains unchanged

KUALA LUMPUR: Bank Negara has kept the overnight policy rate (OPR) unchanged at 2.75% after its monetary policy committee (MPC) meeting yesterday.

In a statement, the central bank said the MPC considered the current monetary policy as “appropriate and consistent with the latest assessment of the economic growth and inflation” prospects.

“At the current level of the overnight policy rate, the stance of monetary policy is to remain accommodative and supportive of economic growth,” it said.

CIMB Investment Bank Bhd economic research head Lee Heng Guie said it was appropriate to keep the OPR unchanged at the moment.

“We need to see how the external headwinds pan out,” he said, adding that regional economies should be able to pull through if there was another recession in the United States because domestic conditions, including policy on benchmark interest rates, remained supportive of growth.

AmResearch Sdn Bhd senior economist Manokaran Mottain said due to the heightened risk of a double-dip recession and the anticipatory rate hikes by Bank Negara, there was now no urgency to raise rates again.

“Inflation is also under control, so I don’t see any reason for any more hikes this year,” he said.

Bank Negara said the domestic inflation edged higher in June and July mainly due to increases in food and energy prices.

“Despite the adjustment in retail fuel prices in July, inflation is expected to rise at a modest pace in the coming months. Going into 2011, inflation is projected to continue to remain moderate,” it added.

The central bank said the global growth momentum had moderated in recent months.

“In advanced economies, growth has slowed more than expected following continued weakness in the labour market and the fading impact of the temporary boost to economic activity provided by the inventory build up and policy stimulus.

“For the regional economies, after registering strong economic expansion in the first half-year, the slower pace of export growth will have some impact on economic performance,” Bank Negara said.

However, it said the domestic economic activity remained strong. “Given these developments, the assessment going forward is for the global recovery to proceed at a more moderate pace.”

The Malaysian economy expanded strongly in the first half-year, underpinned by strengthening domestic demand, particularly in the private sector.

As in other regional countries, Malaysia’s export expansion has, however, slowed in recent months. This is expected to continue with the slowing of global growth.

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