5 satisfactory level on civil servant housing - Penerbit UTM

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20 Sustaining Housing Market and Development estate is not strategic Type of building is not suitable (high rise building). Source: Field survey (2005). 1835 3.97 THE FINDINGS From the above analysis, the most important findings of the study are as follow: a. The introduction and implementation of the Bumiputera Lot Quota Regulation failed to achieve its goals. The low percentage of the sold out bumiputera lots from the total quota allocated, show the regulation does not achieved its goal. The low percentage also gives implication on the achievement of the New Economic Policy, 1971. b. Most of the bumiputera affordable housing are below RM150,000 per unit. However, most of housing development by the private developers in Johor Bahru offered houses more than RM150,000 per unit. Moreover, most of the bumiputera are still in the lower and medium income groups. Thus, the regulations must consider the derived demand of affordable housing and not only concentrate on the needs by the bumiputera. FACTORS THAT INFLUENCED THE PROBLEMS FACED BY THE BUMIPUTERA IN HOUSING OWNERSHIP From the analysis carried out, urban housing problems and issues by the bumiputera in Johor Bahru and thus the failure of the Bumiputera Lot Quota Regulations are as follows: a. The price of the houses offered by the private developers is high, although after 15 percent discount is given. The price offered is sometimes speculated by the developers for bigger margin. The supply of the affordable housing is limited
Evaluation on the Bumiputera Lot Quota Rules on the Bumiputera Housing Ownership in the District of Johor Bahru, Johor, Malaysia 21 compared to the high demand. Thus, it pushed up the price of the house. The high in housing prices give implication to the affordability of to the bumiputera to buy and own home is beyond their income. b. The size or the physical condition of the houses is small to accommodate big household. For the affordable home, below RM150,000 per unit, the size offered by the developers are smaller. Most of the bumiputera migrated from the rural areas bring along big household. They are offered the houses with smaller size such as single and double storey terrace houses. Apart from that, they are also offered to stay in the high rise buildings such as flats and apartments which are yet to familiar. c. The bumiputera buyers are less affordable to buy medium high and high cost housing for better living conditions. This is due to the limited incomes and the standard of their socioeconomics conditions which influenced by socio-historical during the colonial era. d. Difficult to secure loan or end financing from banks and financial institutions. The qualification to secure any loan amount or end financing will depend on the total incomes and expenditures of the household. Hence, most of the bumiputeras are in the lower and medium income groups found difficulty to secure loan from banks or private institutions. e. Problem to pay or allocate 10 percent deposit of the selling price. This deposit is to be paid upon signing the Sale and Purchase Agreement, required under The Housing Developer’s Act (Licensing and Controlled), 1966 as part of progress payments. Thus, if the selling price of the house is high, then the 10 percent deposit needs to be paid is also high and is a burden to the buyers. f. The location is not strategic, either the housing estates or the bumiputera lots allocated within the housing estate. Most of the affordable housing estates are located away from the town area. It may affect other fictional cost. The developers have
Page 4 and 5: First Edition 2008 © SHAHABUDIN AB
Page 6 and 7: vi Contents Chapter 5 Satisfactory
Page 8 and 9: viii Preface We hope this book will
Page 10 and 11: 2 Sustaining Housing Market and Dev
Page 18 and 19: 10 Sustaining Housing Market and De
Page 34 and 35: 2 HOUSING AFFORDABILITY: A STUDY ON
Page 50 and 51: 3 INVOLVEMENT OF CO-OPERATIVE IN SO
Page 70 and 71: 4 ROLE OF LOCAL AUTHORITY IN PROVID
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70 Sustaining Housing Market and De
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88 Bigger Living Hall Size Bigger K
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6 GATED COMMUNITIES IN JOHOR BAHRU
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100 Sustaining Housing Market and D
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8 INFLUENCES OF FINANCING FACILITIE
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9 SIGNIFICANCE OF EIA AND DPR IN TH
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INDEX Accommodation, 113, 121 Act 1
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168 186, 192, 193, 194, 196, 197, 1
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5 satisfactory level on civil servant housing - Penerbit UTM

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