Bekas perdana menteri Najib Razak berkata Pakej Perlindungan Rakyat dan Pemulihan Ekonomi (Pemulih) masih ada beberapa “kekurangan yang perlu ditambah baik,” khususnya mengenai tuntutan moratorium pinjaman.
“Apa yang diumum Perdana Menteri Kelapan (Muhyiddin Yassin) tadi bukanlah moratorium autom4tik dan bukan tanpa faedah.
“Bank tak rugi satu sen pun. Malah akan mengaut lebih keuntungan,” katanya pada satu hantaran di Facebook.
Najib mengulas pengumuman pakej Pemulih bernilai RM150 bilion oleh Muhyiddin petang tadi.
Menurut ahli parlimen Pekan, peminjam biasa masih perlu memohon tetapi dijanji akan diberi secara autom4tik manakala peminjam dari kategori perniagaan Kecil dan Sederhana (PKS) masih perlu semakan dan kelulusan bank unuk memberi moratorium.
“Namun, perjanjian pindaan syarat-syarat baru masih perlu ditanda tangan dan ini mengambarkan bahawa tempoh bayaran peminjam bakal dilanjutkan bertahun-tahun lagi walaupun tempoh moratorium cuma sehingga 6 bulan sebab bank tidak mengecualikan sebarang caj faedah.
“Ini adalah antara aduan yang diterima sejak tahun lepas oleh peminjam yang rasa tertipu dengan bank yang mengambil kesempatan dalam kesempit4n,” dakw4nya.
Najib juga mendakwa moratorium kali ini juga tidak sama dengan tahun lepas di mana faedah serta penalti bagi pinjaman sewa beli (tapi bukan untuk pinjaman lain) telah dikecualikan.
“Bank-bank yang telah diselamatkan oleh bail-out kerajaan pada krisis tahun 1997-1998 dan juga telah mengaut keuntungan ratusan bilion dalam tempoh 10 tahun lepas patut membalas budi kepada peminjam pada masa yang amat susah ini dengan mengecualikan faedah ataupun memberi diskaun faedah sehingga 50 peratus bagi tempoh enam bulan moratorium ini,” katanya.
Najib juga mengg3sa kerajaan untuk mengarahkan bank untuk berhenti “mengugut peminjam dengan panggilan tiap-tiap hari untuk membayar pinjaman” selagi negara bawah PKP.
“Jika peminjam lemas, bank juga akan terjejas pada akhirnya,” katanya lagi.
Muhyiddin ketika mengumumkan pakej Pemulih, berkata moratorium selama enam bulan akan diberikan kepada semua peminjam individu dan usahawan mikro untuk pinjaman bank, tanpa mengira kelas masyarakat.
Permohonan boleh dibuat bermula 7 Julai nanti.
Bagaimanapun, bagi perusahaan kecil dan sederhana (PKS) pula, kemudahan moratorium adalah tertakluk kepada semakan dan kelulusan pihak bank.
Dalam pada iti, tiada lagi syarat pengurangan pendapatan, semakan kehilangan pekerjaan atau dokumentasi perlu dikemukakan, sebaliknya, pemohon hanya perlu memohon dan menandatangani perjanjian pindaan syarat-syarat pinjaman berkaitan.
“Sukacita saya umumkan, dengan kerjasama pihak bank, moratorium enam bulan akan diberikan kepada semua peminjam individu, sama ada dari golongan B40, M40 atau T20, dan usahawan mikro.
“Tiada lagi syarat seperti pengurangan pendapatan, tiada semakan sama ada anda telah hilang pekerjaan dan tiada lagi dokumentasi yang perlu dikemukakan untuk permohonan.
“Anda cuma perlu memohon dan kelulusan akan diberikan secara autom4tik,” kata perdana menteri.
Selepas MuhyiddinYassin Umum ICitra, Sekali Najib bagi idea mcm mana skim ini boleh ditambah baik
Bagi meringankan b.eban kewangan ahli Kumpulan Wang Simpanan Pekerja (KWSP) yang terje.jas ak.ibat P.erintah Kawalan Pergerakan (PKP), KWSP akan memperkenalkan kemudahan pengeluaran baharu iaitu i-Citra.
Perdana Menteri Tan Sri Muhyiddin Yassin berkata, menerusi i-Citra, seramai 12.6 j.uta ahli KWSP boleh membuat pengeluaran sehingga RM 5,000 dengan kadar bayaran tetap RM 1,000 sebulan untuk tempoh lima bulan, tertakluk kepada jumlah simpanan KWSP ahli.
“Pelaksanaan i-Citra dijangka dapat menyalurkan RM 30 b.ilion kepada rakyat untuk menampung keperluan harian.
“Ahli boleh mula memohon kemudahan pengeluaran KWSP di portal dalam talian i-Citra di laman web kwsp mulai 15 Julai depan, dengan pembayaran pertama dijangka akan dikreditkan dalam akaun ahli pada Ogos,” katanya pada Pengumuman Khas Pakej Perlindungan Rakyat dan Pemulihan E.konomi (PEMULIH) di sini, hari ini.
Susulan pengumuman PM tersebut, Najib tampil dalam facebook beliau mengulas dan memberi cadangan bagaimana skim ini dapat di tambah baik
“Saya amat bersyukur kepada kerajaan PN dan pihak KWSP untuk membenarkan pengeluaran melalui skim i-Citra (yang gantikan skim i-Sinar dan i-Lestari).
Mengikut pengumuman PM8, permohonan bagi skim ini akan bermula pada 15 Julai dan bayaran pertama sebanyak RM1k hanya akan dibayar pada bulan Ogos.
Perlu ingat bahawa sekiranya bayaran pertama RM1k ini dibuat pada 1 Ogos 2021, pemohon terdesak sudah bertahan selama 2 bulan 21 hari sejak PKP 3.0 seluruh negara bermula pada 12 Mei.
Saya percaya ramai akan mempunyai tunggakan komitmen yang lebih besar apabila sampai tarikh 1 Ogos sebab sudah berkurung hampir 3 bulan tanpa pendapatan atau dengan pendapatan yang berkurang,
Jadi, adakah bayaran pertama RM1k hanya pada bulan Ogos akan memenuhi keperluan serta tunggakan komitmen bagi mereka yang sudah berkurung hampir 3 bulan?
Harap skim ini boleh ditambah baik dengan menukar bayaran RM1k X 5 bulan ke:
– Julai: RM2k
– Ogos: RM2k
– September: RM1k
Apapun, jumlah bagi bayaran pertama perlu lebih tinggi berbanding bayaran seterusnya sebab sudah wujudnya tunggakan.
Saya cadang begini, memandangkan:
– sistem pengeluaran yang diguna pakai bagi i-Lestari/i-Sinar sudah ada. Elya pun sudah ada untuk memulakan permohonan (harap tanpa syarat) minggu depan dan bukan pada 15 Julai.
– aliran tunai dari caruman bulanan baharu yang diterima KWSP sekitar RM10 bilion sebulan sudah mencukupi untuk membiayai pengeluaran i-Citra tanpa menjual aset atau bon KWSP.
– Kebanyakan sektor dijangka dibuka semula pada bulan September/Oktober di bawah Fasa 3 Pelan Pemulihan Negara dan keperluan untuk bergantung pada pengeluaran KWSP akan berkurang masa itu.
Patut juga pertimbangkan untuk naikkan pengeluaran maksima bagi golongan M40 yang mempunyai baki simpanan KWSP melebihi RM100k dari RM5k ke RM10k sebab komitmen bulanan golongan M40 biasanya lebih tinggi berbanding golongan B40.
Sekali lagi, saya ucapkan terima kasih kepada pihak KWSP”
“Moratorium 6 bulan tak kira B40, M40, T20”-PM
Moratorium selama enam bulan akan diberikan kepada semua peminjam individu dan usahawan mikro untuk pinjaman bank, tanpa mengira kelas masyarakat.
Permohonan boleh dibuat bermula 7 Julai nanti.
Tiada lagi syarat pengurangan pendapatan, semakan kehilangan pekerjaan atau dokumentasi perlu dikemukakan, sebaliknya, pemohon hanya perlu memohon dan menandatangani perjanjian pindaan syarat-syarat pinjaman berkaitan.
“Sukacita saya umumkan, dengan kerjasama pihak bank, moratorium enam bulan akan diberikan kepada semua peminjam individu, sama ada dari golongan B40, M40 atau T20, dan usahawan mikro.
“Tiada lagi syarat seperti pengurangan pendapatan, tiada semakan sama ada anda telah hilang pekerjaan dan tiada lagi dokumentasi yang perlu dikemukakan untuk permohonan.
“Anda cuma perlu memohon dan kelulusan akan diberikan secara autom4tik,” kata Perdana Menteri Muhyiddin Yassin semasa semasa mengumumkan bantuan Pakej Perlindungan Rakyat dan Pemulihan Ekonomi (Pemulih) berjumlah RM150 bilion.
Bagi perusahaan kecil dan sederhana (PKS) pula, kemudahan moratorium adalah tertakluk kepada semakan dan kelulusan pihak bank.
Penangguhan bayaran pinjaman PTPTN
Selain itu, kerajaan turut mengumumkan penangguhan bayaran balik pinjaman pelajaran agensi kerajaan iaitu Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN), Jabatan Perkhidmatan Awam (JPA), Majlis Amanah Rakyat (Mara), dan Perbadanan Tabung Pembangunan Kemahiran (PTPK).
Nilai keseluruhan inisiatif itu dianggarkan berjumlah RM400 juta dan akan memanfaatkan seramai 1.6 juta orang.
Ia melibatkan moratorium tiga bulan kepada peminjam PTPTN (secara bersasar), PTPK, dan Mara (atau penjadualan semula bayaran balik pinjaman dengan ansuran serendah RM100 sebulan selama 12 bulan).
Moratorium untuk JPA pula adalah sehingga enam bulan, untuk Pinjaman Pelajaran Persekutuan dan Biasiswa Persekutuan.
Selain itu, pemegang polisi insurans dan takaful juga boleh memohon penangguhan pembayaran premium insurans dan sumbangan takaful (secara pilihan) yang akan dilanjutkan sehingga 31 Disember 2021.
Ia melibatkan pemegang polisi dan sijil insurans hayat dan takaful keluarga.
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