Langkah pelihara daya tahan kewangan isi rumah

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KualaLumpur Menurut BNM, hutang isi rumah meningkat lebih pantas pada separuh kedua tahun lalu, didorong terutamaa oleh pinjaman untuk pembelian harta kediaman.

Bagaimanapun, tahap hutang isi rumah yang tinggi kekal menjadi sumber utama risiko makroekonomi dan seterusnya kepada kestabilan kewangan, kata BNM dalam laporan Tinjauan Kestabilan Kewangan yang dikeluarkan di sini.

Menurut BNM, hutang isi rumah meningkat lebih pantas pada separuh kedua tahun lalu, didorong terutamaa oleh pinjaman untuk pembelian harta kediaman. Pembiayaan peribadi dan pinjaman kad kredit mencatat pertumbuhan yang lebih tinggi dan ini sebahagian besarnya berikutan pemberi pinjaman oleh institusi kewangan pembangunan kepada penjawat awam.

Secara agregat, aset kewangan dan aset kewangan mudah tunai terkumpul isi rumah pada amnya kekal stabil, masing-masing pada 2.2 kali dan 1.4 kali daripada hutang.Dalam tahun kebelakangan ini juga, pelaburan isi rumah dalam dana unit amanah, termasuk dana harga berubah, meningkat dengan ketara berbanding dengan pertubuhan yang lebih perlahan dalam deposit isi rumah.

 

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