银行调整利率 贷款多还600 公务员震惊:如何养家?
基本利率调整·贷款多还600 公务员震惊:如何养家?
一名公务员展示他早前收到一封银行通知他调整后的基本费率的信件。(《今日自由大马》照片)
(八打灵再也29日讯)一名公务员申诉,银行在调整基本利率(BR)后,每月的个人偿还贷款增加了600多令吉,再加上百物涨价,教他如何养家?
这位名字不愿见报的公务员告诉《今日自由大马》(Free Malaysia Today),他目前偿还的贷款额是每月1450令吉,但在基本利率调整后,他从7月开始必须支付2072令吉。
他投诉,“在银行宣布将提高基本利率后,我以后必须每月支付超过2000令吉。随著物价上涨,我还剩下多少钱来养家糊口呢?”
根据报道,他于6月8日收到银行的正式信函,通知其基本利率从5月20日起,从2.60%提高到2.85%。
4年前,这位公务员向银行借了一笔10万令吉的个人贷款,并分期付款在大约两年的时间还清。
他表示对基本利率大幅上涨感到震惊,同时对政府感到失望,不满政府在提高隔夜政策利率(OPR)之前没有进行彻底的研究。
国家银行之前将隔夜政策利率提高25个基点至2%,这使得银行必须提高基本利率。
这名公务员说:“在我看来,政府需要建立一种机制来研究它做出的决定如何影响人民。
“如果商品价格上涨,再加上政府提高偿还贷款率,人们的开销将如何取得平衡?在实施之前应该好好研究一下是否可行!”
这位即将在两年后退休的公务员也提到,想到家人的未来,尤其是还在上学的孩子,他就感到很难过。
“我有三个孩子还在上学,其中两个在大学读书,他们仍然依赖父母,可是现在看看,所有商品都在涨价了。”
https://www.sinchew.com.my/20220629/%E5%9F%BA%E6%9C%AC%E5%88%A9%E7%8E%87%E8%B0%83%E6%95%B4%C2%B7%E8%B4%B7%E6%AC%BE%E5%A4%9A%E8%BF%98600-%E5%85%AC%E5%8A%A1%E5%91%98%E9%9C%87%E6%83%8A%EF%BC%9A%E5%A6%82%E4%BD%95%E5%85%BB%E5%AE%B6%EF%BC%9F/
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