Cadangan kecualikan pinjaman rumah kakitangan sakit ditolak

KUALA LUMPUR: Perbendaharaan Malaysia tidak dapat memenuhi tuntutan Kongres Kesatuan Pekerja-pekerja Dalam Perkhidmatan Awam (Cuepacs) supaya kerajaan mengecualikan bayaran pinjaman perumahan bagi penjawat awam yang mengalami keilatan kekal semasa dalam perkhidmatan. 

Bahagian Pinjaman Perumahan, Perbendaharaan Malaysia, dalam kenyataan hari ini, menjelaskan tuntutan bagi penjawat awam yang membuat pinjamansebelum 1 Ogos 1995 itu tidak dapat dipenuhi syarikat insurans kerana polisiinsurans pada masa itu tidak meliputi keilatan kekal.

"Polisi keilatan kekal hanya mula ditawarkan oleh pengendali insurans dan takaful mulai 1 Ogos 1995 dan pinjaman perumahan selepas tarikh berkenaan sahaja layak mendapat perlindungan keilatan," menurut kenyataan itu.

Pada 22 November lalu, Cuepacs mengemukakan cadangan supaya kerajaan dapat mengecualikan bayaran pinjaman perumahan bagi penjawat awam yang sakit sewaktu dalam perkhidmatan bagi kes pinjaman perumahan sebelum 1995.

Ini kerana berdasarkan perjanjian asal, petugas yang membuat pinjamansebelum tarikh berkenaan terpaksa meneruskan bayaran pinjaman keranapolisi insuran mereka hanya meliputi kematian dan kebakaran tetapi bukan hilang upaya kekal.

Pekeliling Perbendaharaan Bil 6/95 mewajibkan setiap peminjam mengambil insurans kebakaran dan gadai janji bagi menjamin kepentingan kerajaan daripada segi mendapat bayaran balik pinjaman sekiranya berlaku kematian atau kebakaran.
Perlindungan Hilang Keupayaan Kekal adalah produk tambahan yang ditawarkan oleh syarikat insurans kepada peminjam atas initiatif syarikat sendiri berikutan wujudnya persaingan di kalangan syarikat insuran.

"Oleh yang demikian, cadangan untuk meminda pekeliling itu tidak berkaitan," menurut kenyataan itu. -

sumber:  Bernama

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Cost of living, salary and debt

Malaysians’ biggest money worries: Cost of living, salary and debt

By IZATUN SHARI

PETALING JAYA: The cost of living, salary changes and personal debt are the top three financial worries for Malaysians, a survey by global payment firm Visa found.

In the survey conducted between Aug 21 and Sept 23 last year, 69% of respondents said they were extremely concerned about the cost of living expenses while 62% and 59% were worried about salary changes and personal debt respectively.

“Malaysians were less worried about the value of their retirement fund and portfolio, and fluctuating interest rates,” the company said in a statement here Thursday.

However, 25% of those surveyed also said they were more confident about their personal financial situation as compared with six months earlier although 52% felt there would be no change.

Only 23% indicated they were less confident than earlier.

Sixty-six per cent of Malaysians also said they were more concerned about the impact of the global financial crisis on the local economy while 27% felt the same.

The survey involved 5,520 respondents aged between 18 and 65 years, of whom 500 were from Malaysia. The rest were from Australia, China, Hong Kong, India, Indonesia, Japan, Korea, New Zealand, Singapore and Taiwan.

Visa country manager Stuart Tomlinson said Malaysians were being practical during the current economic climate by focusing on managing their concerns, providing themselves with a level of security and peace of mind.

“For Malaysians, potential changes in salary levels are also of concern,” he said, adding that across the region, consumers were looking to see how they could manage their expenses, savings and job security, rather than macro-economic conditions such as exchange and interest rates.

sumber: The Star

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