Ramai bising, kononnya garis panduan terbaru dari Bank Negara Malaysia telah menyebabkan mereka gagal mendapat pinjaman atau pembiayaan daripada bank.
Sebenarnya, garis panduan tersebut hanya menekankan peri pentingnya kelulusan sesatu pinjaman atau pembiayaan dibuat berdasarkan beberapa kriteria, termasuk gaji bersih seseorang. Ini adalah untuk memastikan HANYA YANG MAMPU sahaja, memperolehi pinjaman atau pembiayaan.
Mampu di sini adalah keupayaan untuk bayar balik. Kalau congakan berdasarkan gaji pokok, tentu analisa tersebut kurang tepat kerana tidak diambil kira aliran keluar pemohon yang tidak termasuk dalam slip gaji, seperti lain-lain pinjaman atau pembiayaan luar, serta lain-lain obligations.
Pendek kata, kalau tak mampu, usah nak kumpul hutang.
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KUALA LUMPUR: Only non-bankable borrowers are finding it difficult to obtain loans following the introduction of a new borrowing guideline, said chairman of the Institute of Bankers Malaysia Tan Sri Azman Hashim.
He said people always believed they could secure financing without fully understanding their credit score. The banks, he said, would utilise all their experience and knowledge before loans could be disbursed.
“Banks can't say yes' to all loan applications, otherwise they would lose money, while borrowers who are unable to repay the debt go bankrupt,” Azman said, when asked to comment on the impact of the new lending guideline on consumer loans.
Azman said this at the Financial sector talent enrichment programme graduation ceremony here yesterday.
He said the people could secure financing anytime but they must be bankable or able to repay the debt. “Banks are competing like mad to offer loans at lower rates,” he said. Bernama
Source:
The Star (online version)
