KPKT, MoF launch i-Biaya to facilitate housing loans to B40, M50 Group 

PETALING JAYA: The Ministry of Housing and Local Government (KPKT) and the Ministry of Finance (MoF) today launched the i-Biaya initiative, as part of the government’s efforts to facilitate housing loans to the M40 and B40 low-income groups.

八打灵再也：住房和地方政府部（KPKT）和财政部（MoF）今天启动了 i-Biaya 计划，作为政府促进向 M40 和 B40 低收入群体提供住房贷款的努力的一部分。

Housing and Local Government Minister Datuk Seri Reezal Merican Naina Merican said in line with the One Family, One Home objective, the i-Biaya initiative is an integrated step to align all initiatives under one roof.

住房和地方政府部长Datuk Seri Reezal Merican Naina Merican 表示，根据“一个家庭，一个家庭”的目标，i-Biaya 倡议是将所有倡议统一在一个屋檐下的综合步骤。

 “KPKT implements this initiative anchored on the availability of affordable housing in strategic locations, buyers’ capability whereby the ministry gets advice from various stakeholders including Bank Negara Malaysia (BNM) as well as financing facilities for the B40 and M40 groups,” he said during the i-Biaya launching ceremony here, on 14th April.

“KPKT 实施这项计划的基础是在战略地点提供可负担住房、买家的能力，从而该部从包括马来西亚中央银行（BNM）在内的各种利益相关者那里获得建议，以及为 B40 和 M40 集团提供融资设施，”他在4月14日在这里举行 i-Biaya 启动仪式。

Three initiatives offered under i-Biaya are improvement to the existing scheme, namely Housing Credit Guarantee Scheme through Syarikat Jaminan Kredit Perumahan Bhd (SJKP) with an allocation of RM3 billion, My First Home Scheme (SRP) by Cagamas SRP Bhd, and PR1MA Rent-to-Own (RTO) Scheme by PR1MA Corporation Malaysia (PR1MA).

i-Biaya 提供的三项举措是对现有计划的改进，即通过 Syarikat Jaminan Kredit Perumahan Bhd (SJKP) 拨款 30 亿令吉的住房信用担保计划、Cagamas SRP Bhd 的 My First Home Scheme (SRP) 和 PR1MA Rent PR1MA Corporation Malaysia (PR1MA) 的自有 (RTO) 计划。

Meanwhile, Finance Minister Tengku Datuk Seri Zafrul Tengku Abdul Aziz said the MoF remained committed to maintaining access to financing, especially for B40 and M40 groups who are facing difficulties in obtaining housing loans.

与此同时，财政部长Tengku Datuk Seri Zafrul Tengku表示，财政部仍致力于维持获得融资的机会，特别是对于在获得住房贷款方面面临困难的 B40 和 M40 群体。

“For SRP, it is expected to benefit 25,000 applicants among B40 and M40, with financing worth RM5.9 billion.

“对于 SRP，预计将有 25,000 名 B40 和 M40 申请人受益，融资价值 59 亿令吉。

“One of the contributing factors to this target is the government’s commitment through the ‘Jamin Kerja’ initiative which targets 600,000 job opportunities, with an allocation of RM4.8 billion,” he said.

“促成这一目标的一个因素是政府通过'Jamin Kerja'计划的承诺，该计划以60万个就业机会为目标，拨款48亿令吉，”他说。

With the focus on job opportunities and upskilling among B40 and M40 groups including youths, the higher income derived would enable them to capitalise on the various house ownership schemes via i-Biaya.

由于重点关注包括青年在内的 B40 和 M40 群体的就业机会和技能提升，所获得的更高收入将使他们能够通过 i-Biaya 充分利用各种房屋所有权计划。

The SRP financing scheme will be opened to those with income of RM10,000 and less for houses worth up to RM500,000.

SRP 融资计划将开放给收入在 10,000 令吉及以下的人士，适用于价值不超过 500,000 令吉的房屋。

Apart from that, the Housing Credit Guarantee Scheme is widened to enable those without salary statements or documents accordingly, especially those involved in gig economy, to apply for housing loans.

除此之外，住房信用保证计划也被扩大，使那些没有工资单或文件的人，特别是那些从事零工经济的人，可以申请住房贷款。

As for PR1MA’s RTO scheme, it will allow those who are interested to rent and later buy at a price fixed in the sixth year, through financing by Maybank.

至于 PR1MA 的 RTO 计划，它将允许有兴趣的人通过 Maybank 的融资，以第六年的固定价格先租后买。