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Untuk membantu pembeli rumah daripada kumpulan berpendapatan rendah bagi membiayai pembelian rumah pertama mereka

Ciri Utama Dana BNM untuk Rumah Mampu Milik

Terma  

  Ciri-Ciri

Kelayakan

 •  Warganegara Malaysia

 •  Pendapatan isi rumah bulanan maksimum                 sebanyak RM2,300

 •  Pekerja makan gaji atau bekerja sendiri

 •  Peminjam tunggal atau peminjam bersama

 •   Tiada rekod pembiayaan terjejas untuk tempoh   12 bulan yang lalu

Harga harta tanah

Sehingga RM150,000

Margin pembiayaan

Margin pembiayaan boleh meliputi pembayaran untuk wang pendahuluan dan jaminan gadai janji bertempoh / caruman takaful

Jenis harta tanah

Harta tanah kediaman di pasaran utama sahaja

Kadar pembiayaan  

Sehingga 3.5% setahun

Tempoh pembiayaan

Sehingga 40 tahun atau sehingga umur 70 tahun, yang mana lebih rendah

Pendidikan kewangan

 •       Modul pendidikan kewangan mandatori       dalam  talian disediakan oleh Agensi Kaunseling   dan  Pengurusan Kredit (AKPK) akan membantu   bakal peminjam memahami komitmen kewangan   mereka sebelum membeli rumah.

 •       Modul itu boleh diakses daripada portal    Rumahku AKPK di learn.akpk.org.my mulai 3           November 2018

Moratorium penjualan harta tanah

5 tahun

 

Pusat Hubungi Institusi Kewangan yang Mengambil bahagian

AmBank (M) Berhad (AmBank)

:03-2178 8888 

Bank Simpanan Nasional (BSN)

:1-300 88 1900

CIMB Bank Berhad (CIMB)        

:03-6204 7788

Malayan Banking Berhad (Maybank)                                  

:1-300 88 6688        

RHB Bank Berhad (RHB)           

:03-9206 8118 (Semenanjung Malaysia); 

082-276118 (Sabah dan Sarawak)

Orang ramai juga boleh menghubungi BNMTELELINK  di talian 1-300-88-5465 (LINK)

 

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Kerajaan semalam mengumumkan satu lagi langkah membela rakyat dengan menggariskan beberapa spesifikasi dan panduan perumahan kepada pelbagai pihak, termasuk pemaju rumah mampu milik Semua projek baharu rumah awam dan swasta akan diwajib mendapat Sijil Pe

Dasar Perumahan Negara (DRN) 2018-2025 dilancarkan semalam, untuk menyelesaikan isu penawaran dan permintaan perumahan yang tidak seimbang serta ketidakmampuan rakyat membeli rumah pada harga pasaran.Dasar itu juga bermatlamat mengatasi kelemahan industri perumahan ketika ini yang tidak berinovasi, selain tiada sistem bersepadu untuk memastikan penawaran dan permintaan adalah sepadan.Untuk mencapai matlamat itu dalam tempoh tujuh tahun lagi, DRN setebal 162 muka surat menggariskan lima fokus, 16 strategi dan 57 pelan tindakan.Lima fokus itu ialah membina rumah berkualiti, menambah baik aksesibiliti dan tahap kemampuan rakyat memiliki rumah, kejiranan berkualiti, koordinasi antara perumahan dan pembangunan pengangkutan serta memperkukuh institusi berkaitan mencapai matlamat dasar berkenaan.Dasar itu dirangka Kementerian Perumahan dan Kerajaan Tempatan (KPKT) selepas mendapati penawaran rumah di bandar lebih menjurus kepada perumahan kos tinggi, sedangkan permintaan lebih menjurus ke arah rumah kos rendah dan mampu milik.

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IN our society and culture, our perception of reality is shaped by the information and messages we receive through the media. A few generations ago, our culture storytellers were people, family, friends and others in the community. For many people today, the most powerful storyteller is the Internet and the mobile phone. All of us are affected by advertising, news, movies, Facebook, WhatsApp and other forms of media. That is why today, media is such a powerful force.

Children receive a huge amount of information from a wide array of sources, far beyond the traditional media – ie, television, radio, newspapers and magazines – of most parents. There are text messages, memes, viral videos, social media, video games, advertising and more.

From celebrity gossip to magazine covers to WhatsApp messages to memes, media is telling us something, shaping our understanding of the world and even compelling us to think to act in certain way.

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Non-communicable diseases (NCD) are the largest cause of death globally. It is estimated that about 41 million people die annually and about a third of these deaths are in the workforce, in the 30-69 years age group. Records for 2015 shows that two out of every three Malaysians have at least one of the three major NCD and the figure is rising. A large part of our Malaysian healthcare budget is spent on managing NCD.

Identifying smoking and sugar as two of the major risk factors for NCD, the new government of Malaysia has quickly brought in a “sugar tax” and a “smoking ban.”Let me begin by defining non-communicable diseases. As the name implies, non-communicable diseases are defined as chronic diseases that are not communicable. This then would include cancers, chronic lung diseases and in certain communities, nutritional deficiencies and not just cardiovascular diseases and diabetes mellitus.

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Obesity, undernutrition and climate change are the biggest threats to the world population, linked by profit motives and policy inertia, a top commission said yesterday, calling for a binding plan and trillions of dollars to thwart the dangers.A US$1 billion (RM4.12 billion) fund and action strategies targeting food policy and production are needed urgently to support health, the environment and economic well-being, said the report by the Lancet Commission on Obesity, a panel of experts in agriculture, economics, human rights and other fields.

The three problems of obesity, undernutrition and climate change are intertwined by methods of agricultural production, transport, urban design and land use that will take an enormous toll on the population and planet, the commission said."What we're doing now is unsustainable," said William Dietz (photo), an author of the study and public health expert at George Washington University.

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KUALA LUMPUR (Bernama): About 60% of the 32 million Malaysians fail to throw their garbage into rubbish bins although these have been provided for them, says Housing and Local Government Minister Zuraida Kamaruddin.She said Malaysians have yet to cultivate proper garbage disposal habits and this should be addressed in efforts to make our country clean."In developed countries, people keep their rubbish in their handbags or pockets before throwing them into trash bins.

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Banjir?

Banjir atau juga disebut bah merupakan bencana alam yang berlaku apabila air menenggelami kawasan yang luas. Banjir bukan saja mampu merosakkan harta benda tetapi juga turut melibatkan kehilangan nyawa. Banjir juga mampu melumpuhkan ekonomi sesebuah negara. Sehubungan dengan itu, setiap rakyat Malaysia terutamanya yang tinggal di kawasan berisiko tinggi menghadapi banjir, harus peka dan bersiap sedia menghadapi ancaman tersebut agar tindakan awal dapat diambil bagi meminimumkan kerosakan dan mengurangkan kehilangan nyawa akibat banjir.

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PUTRAJAYA: The government is open to using whatever infrastructure available to drive Internet penetration in rural areas throughout the country.There are at least a million people in very remote areas and a further 2.5 million to 2.8 million still with slow-speed Internet access in semi-urban and rural areas.To get faster-speed broadband to outlying areas, Communications and Multimedia Minister Gobind Singh Deo said he is exploring the use of satellites, running fibre along sewerage pipes and even possibly opening access to existing poles that carry wires to homes.

“In terms of infrastructure, a lot more need to be done. There are many areas which have not yet been wired up so there is a need to think outside the box and look into new ways to provide infrastructure which is faster and cheaper for the general public.“That is one of the reasons for the pilot project in Jasin to use existing infrastructure partially to provide broadband to semi-urban and rural areas, and to the Felda settlers. The project is a success and now it is up to Tenaga Nasional Bhd (TNB) to decide what to do from here on. We used TNB poles, which made access quicker and were able to cut cost significantly,” Gobind told StarBiz.Though he seems keen to explore the use of satellites, some experts disagree with the idea as they believe it would be too costly and not practical. They are more receptive to using sewerage pipes for fibre access and Gobind said he had received proposals to have sewerage pipes used to lay cables for Internet access.

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PLUS Malaysia Berhad (PLUS) mengumumkan lorong kecemasan akan di buka di dua lokasi kritikal di Lebuhraya Utara Selatan sempena perayaan Tahun Baharu Cina (TBC) iaitu pada 5 Februari ini. Ia adalah untuk membolehkan orang ramai bergerak dengan lebih selesa ketika perjalanan pada waktu puncak.Dua lokasi itu yang terletak di negeri Perak, ialah Simpang Pulai hingga Gopeng iaitu sejauh tujuh kilometer di KM287 hingga KM295.1 dan di Slim River hingga Sungkai, juga sejauh tujuh kilometer di KM 367.6 hingga KM360.5.

Menurut PLUS, berdasarkan kajian dan rekod pihaknya, pada musim-musim perayaan yang lepas, kesesakan trafik amat teruk di kedua-dua lokasi berkenaan. Berdasarkan rekod, perjalanan di antara Slim River dan Sungkai sejauh 19 kilometer.

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Gara-gara merokok di kawasan larangan dan gagal membayar denda, seorang wanita dihukum penjara sebulan oleh Mahkamah Majistret Kota Bharu, hari ini.Majistret Izzudin Mohd Shukri mengenakan hukuman itu selepas Nor Faezah Hamzah, mengaku bersalah terhadap tuduhan merokok di tempat letak kereta di sebuah pasar raya, dua tahun lalu, lapor BH Online.Sebelum ini wanita 34 tahun itu dikenakan hukuman denda RM1,000 atau penjara sebulan sekiranya gagal berbuat demikian dan ternyata tertuduh gagal membayar denda itu sekali gus perlu menjalani hukuman penjara bermula hari ini.

Mengikut pertuduhan, tertuduh didakwa merokok di kawasan dilarang merokok iaitu di tempat letak kereta di sebuah pasar raya di sini pada jam 9.15 malam, 17 Mac 2017.Tertuduh didakwa mengikut Peraturan 11(1)(n) Peraturan-Peraturan Kawalan Hasil Tembakau 2004 dan dihukum di bawah subperaturan 11(3) peraturan sama yang membawa hukuman denda tidak lebih RM10,000 atau penjara tidak lebih dua tahun.Sementara itu menurut fakta kes, Penolong Pegawai Kesihatan Persekitaran Saiful Azuny Che Ya dan Pembantu Kesihatan Awam Md Nasran Saffin dari Pejabat Kesihatan Kota Bharu ke pasar raya berkenaan untuk menguatkuasakan Peraturan-peraturan Kawalan Hasil Tembakau 2004.

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