5 satisfactory level on civil servant housing - Penerbit UTM

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36 Sustaining Housing Market and Development balance 7.1 percent afford to pay for housing that is above RM120,000. From the analysis in Table 2.6 and Table 2.7 it can be pointed out that most of the respondents are from the lower and medium income groups. They only afford to stay in the low cost houses with the affordable price is less than RM50,000. Table 2.8 shows the relationship between household income and the types of affordable housing. While in Table 9 shows the relationship between household income and the price of the affordable housing. Table .2.8: Relationship between household income and types of affordable housing Income Low cost Single storey terrace Double storey terrace Apartment Total Less than 9 1 10 RM1200 RM1201 – 11 11 1 1 24 RM1800 RM1801 – 2 3 1 6 RM2500 More than 2 2 RM2500 Total 22 14 4 2 42 Table 2.8 shows most of the low cost housing are affordable by the respondents with the household income below RM1200 to RM2500. Thus it shows that most of the respondents only afford to stay in the low cost housing.
Housing Affordability: A Study on Household Expenditures Ratio on the Income for the Lower and Middle Income Groups 37 Table 2.9: Relationship between household income and the price of affordable housing Income Less than RM50,000 RM50,001- RM80,000 RM80,001- RM120,000 Above RM120,000 Total Less than 7 2 1 10 RM1200 RM1201 – 9 10 2 3 24 RM1800 RM1801 – 1 3 2 6 RM2500 Above 1 1 2 RM2500 Total 18 15 6 3 42 Table 2.9 shows that the income group between RM1201 to RM1800 has the most distribution of the price affordable on housing. Most of their affordable housing price between RM50,001 to RM80,000 and less than RM50,000. THE FINDINGS Based on the analysis and literatures review the most important finding in this paper is the influenced of household income on the <strong>level</strong> of affordability to buy and own a house. The higher the income the more money a household has to spend on housing. Thus the affordable <strong>level</strong> for housing is increased. However the influenced of household expenditures had little impact on the <strong>level</strong> of a household affordability for housing. Thus household expenditures ratio on income to determine the affordability for housing can be the useful guide to allocate certain amount of money for housing.
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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86 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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