2012 国家银行新贷款准则

fun_okai

KUALA LUMPUR: Malaysians will have to go through a more exhaustive process when applying for loans starting next year after Bank Negara issued guidelines on responsible lending by banks.

Following the new guidelines, the maximum tenure for car loans will be capped at nine years with immediate effect.

Starting July next year, borrowers will not be penalised heavily for early settlement of their loans.

We don’t want to restrict growth but we want to set parameters which are transparent. —TAN SRI DR ZETI AKHTAR AZIZ
Instead, banks will only be allowed to charge for the cost incurred in processing the loan and not for profit loss from the early settlement of the loan.

At a media briefing yesterday following the release of third quarter economic data where the economy grew by 5.8%, Bank Negara governor Tan Sri Dr Zeti Akhtar Aziz said the objective of the guidelines was to inculcate responsible lending practices by financial institutions which include commercial banks and development financial institutions.

“We don't want to restrict growth but we want to set parameters which are transparent,” she said, adding that the guidelines also provide for clear information and disclosure on ifinancial products.

As the industry becomes more competitive in a challenging environment, Zeti said the central bank wanted to ensure responsible lending practices did not erode.

Starting Jan 1, banks must make clear to the borrowers the implications of the loans they take, illustrating to them just how much more they will have to pay should the base lending rate go up.

The guidelines would be applicable to home and vehicle financing, credit and charge cards, personal financing including overdraft facility as well as financing for the purchase of securities except for share margin financing which comes under stock exchange rules.

Zeti said as part of measures to ensure borrowers do not migrate to cooperatives to get their loans, the Cooperatives Commission would also be imposing requirements on responsible financing practices on credit cooperatives.

Furthermore, the debt-service ratio of civil servants would be capped at around 60%. For others, the banks will determine for themselves and not have a fix ratio in determining what the maximum amount of loan a borrower can take.

The guidelines will include a more stringent “suitability and affordability assessment” which would ensure borrowers have the ability to pay without recourse to debt relief or substantial hardship.

To improve assessment of individual affordability and provide suitable and responsible advice to customers on their capacity to take on additional financing, there would now be appropriate enquiries by lenders on income after statutory deductions and debt repayment obligations.

Zeti added that other objectives of the guidelines were to foster a healthy and sustainable credit market which in turn would contribute to economic and financial stability as well as further strengthen the protection of consumer interests.

fun_okai

明年7月开始，国家银行不允许银行charge early settlement penalties~

kitkatlow

哇哈哈哈哈哈哈哈哈哈～～～～～～～～～～～～～～～～～～～～～～～～～～！！！！！！！！！！！

我系一条蛇

来贴个gooogle 翻译~~

吉隆坡：马来西亚将不得不通过更详尽的过程中去申请贷款，从明年开始，中央银行发行银行负责贷款的指引后。

新准则后，将汽车贷款的最长任期上限为9年来，立竿见影的效果。

明年7月起，借款人将不会受到惩罚沉重的早日解决他们的贷款。

我们不希望限制经济增长，但我们要设置的参数是透明。丹斯里Zeti博士阿赫塔尔阿齐兹
相反，银行只被允许在处理贷款和不以盈利为目的，从早日解决贷款损失而招致的成本收取。

在新闻发布会后，昨天发布的第三季度经济增长5.8％的经济数据，中央银行行长丹斯里Zeti博士阿克塔阿齐兹表示，指引的目的是向青少年灌输负责，其中包括商业银行和金融机构贷款的做法开发性金融机构。

她说：“我们不想限制增长，但我们要设置的参数是透明的，”，该指引还提供明确的信息和披露ifinancial产品。

随着行业的一个具有挑战性的环境中变得更加具有竞争力，洁蒂说，央行希望确保负责任的借贷行为，并不会削弱。

1月1日起，银行必须明确以借款人的贷款，他们采取的影响，说明他们只是多少，他们将不得不支付基本贷款利率上浮。

该准则将适用于家庭和汽车融资，信贷和收费卡，个人融资，包括透支额度以及除根据证券交易所的规定，股票保证金融资购买证券融资。

洁蒂说，作为措施的一部分，以确保借款人不迁移到合作社得到他们的贷款，合作社委员会也将被征收信用社负责融资惯例的要求。

此外，公务员的偿债率将维持在6​​0％左右。对于其他人，银行将自行确定，并没有一个修复率，在确定的最高贷款额，借款人可以采取什么。

该准则将包括更严格的“适用性和承受能力评估”，这将确保借款人有支付能力的无追索权的债务减免或重大困难。

要提高个人承受能力的评估，并提供适当的和负责任的意见，对自己的能力为客户采取额外的资金，现在适当的查询，放款后法定扣除的收入和偿还债务的义务。

洁蒂补充说，准则的其他目标是培养一个健康的和可持续的信贷市场，这反过来将有助于经济和金融的稳定以及进一步加强保护消费者的利益。

munak

"明年7月起，借款人将不会受到惩罚沉重的早日解决他们的贷款。"


不知道沉重的定义为如何，还是会有PENALTY哦

susahlar

明年7月开始，国家银行不允许银行charge early settlement penalties~
fun_okai 发表于 21-12-2011 11:27 AM

    不要高兴得过早，国家银行只是说，银行不能针对以下原因收取early settlement penalty charge:
1.未来还未赚取的赢利(不包括还未breakeven的loan)
2.marketing cost
除此以外，银行还可以想出大把理由和原因来justify为什么它们可以charge你penalty...

坏孩子1989

BNM
好像在里面做工

noproblem

更多的条例陆续有来。。。

sfleong1

会有怎样的影响。。。。。

sasasa

明年7月开始，国家银行不允许银行charge early settlement penalties~
fun_okai 发表于 21-12-2011 11:27 AM

是明年新申请的贷款吗？
还是之前申请的penalty也会降低呢？