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Moratorium sesuai peminjam tak berkemampuan - AKPK
Posted on Jun 28, 2021
KUALA LUMPUR: Moratorium dilihat pilihan yang sesuai bagi peminjam yang tidak berkemampuan langsung membayar balik pinjaman dan memerlukan wang untuk meneruskan kehidupan di tengah persekitaran mencabar dicetuskan pandemik, demikian kata penasihat pengurus kewangan.
Sementara penstrukturan semula pinjaman pula dilihat lebih sesuai kepada peminjam yang mempunyai pekerjaan atau simpanan, tetapi mengalami pengurangan pendapatan atau simpanan yang terhad.
Ketua Jabatan Pendidikan Kewangan Sektor Isi Rumah Agensi Kaunseling dan Pengurusan Kredit (AKPK), Nirmala M Supramaniam, berkata peminjam yang tidak mampu membayar balik pinjaman akibat hilang pekerjaan atau pendapatan berkurang atau tergolong B40 harus menilai kemampuan mereka sebaiknya.
Beliau menjelaskan, jika tidak mampu langsung, bermaksud mereka tiada cukup wang untuk menampung keperluan asas, maka tentu wajar memilih moratorium kerana memerlukan wang.
Bagi yang ada pekerjaan atau simpanan, tetapi mengalami pengurangan pendapatan atau simpanan terhad, beliau berkata, mereka mungkin boleh memilih untuk menstruktur semula pinjaman supaya dapat menampung kehidupan dengan baik dan pada masa sama mempunyai kemampuan meneruskan pinjaman.
"Jika memilih moratorium, peminjam harus faham kadar faedah masih berjalan dan ini bermakna jumlah penuh yang mereka perlu bayar akan meningkat.
"Jika mereka menstruktur semula bayaran balik pinjaman dengan kadar faedah lebih rendah, tempoh bayaran balik pinjaman dipanjangkan dan jumlah penuh bayaran balik tetap meningkat, namun pada jumlah berbeza.
"Oleh itu, semuanya bergantung kepada kemampuan peminjam. Utamakan keperluan asas dan simpanan waktu kecemasan, perbelanjaan lain harus ditangguhkan dan beri keutamaan kepada penyelesaian pinjaman," katanya.
Beliau berkata demikian mengulas persoalan mana lebih baik antara moratorium dan menstruktur semula hutang pada kadar faedah rendah ketika ini untuk meringankan beban kewangan bagi mereka yang terkesan COVID-19.
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