Kempen “Turunkan Harga Kereta” akan mengambil kesempatan cuti balik kampung sempena Hari Raya Aidilfitri agar maklumat mengenai cadangan KEADILAN menurunkan harga kereta melalui penghapusan cukai eksais secara berperingkat akan sampai ke seluruh pelosok negara.
Bagi tujuan ini, KEADILAN telah mencetak 50,000 pelekat kereta “Turunkan Harga Kereta” yang akan diagihkan mulai hari ini di sekitar Lembah Klang dahulu. Pelekat ini akan diagihkan di tol-tol oleh wakil rakyat dan petugas-petugas KEADILAN. Selepas cuti Hari Raya Aidilfitri, pelekat kereta ini akan dicetak dan diagihkan ke seluruh negara melalui pejabat-pejabat KEADILAN setempat.
KEADILAN juga melancarkan laman Facebook Turunkan Harga Kereta di alamat facebook.com/turunkanhargakereta.
Kami menyeru seberapa ramai rakyat menyokong laman ini dan menyebarkan logo “Turunkan Harga Kereta”.
Selain dari pelekat kereta, KEADILAN juga telah mengubahsuai sebuah kereta Proton Tiara berusia 15 tahun menjadi kereta rasmi kempen. Kereta ini akan dilancarkan hari ini oleh YB Zuraida Kamaruddin yang mendermakan kereta ini bagi tujuan kempen.
Bermula 24 Ogos 2012, pasukan “Turunkan Harga Kereta” dari KEADILAN akan mula menjelajah tempat-tempat terpilih di Lembah Klang dan seluruh negara sebagai sebahagian dari Jelajah Turunkan Harga Kereta. Selain mengedarkan risalah dan pelekat kereta kempen di tempat-tempat ini, pimpinan KEADILAN akan turut sama menaiki kereta rasmi ini dan menyampaikan penerangan kaedah menurunkan harga kereta yang dicadangkan KEADILAN.
KEADILAN juga akan mengadakan forum “Turunkan Harga Kereta” yang melibatkan pimpinan Pakatan Rakyat di Lembah Klang, Pulau Pinang, Ipoh, Johor Bharu, Alor Setar, Kota Kinabalu dan Kuching bermula 2 September 2012 untuk menerangkan dengan lebih terperinci mekanisme menurunkan harga kereta. Maklumat lanjut bagi setiap forum akan diumumkan dari semasa ke semasa di laman Facebook kempen.
KEADILAN yakin desakan menurunkan harga kereta adalah satu tuntutan yang disokong sebahagian besar rakyat Malaysia.
Logo kempen yang dipilih dipastikan tidak melambangkan unsur politik supaya semua rakyat Malaysia tanpa mengira latar belakang dan kepercayaan politik boleh bersatu dan bersetuju bahawa masanya telah tiba untuk memastikan harga kereta di Malaysia tidak membebankan rakyat.
Kami menyeru semua rakyat Malaysia membantu promosi kempen ini dengan menghiasi laman Facebook dan Twitter mereka dengan logo “Turunkan Harga Kereta” bermula hari ini.
YB NIK NAZMI NIK AHMAD
PENGARAH KOMUNIKASI KEADILAN
YB SIM TZE TZIN
TIMBALAN KETUA PENERANGAN KEADILAN
15 OGOS 2012
Kempen “Turunkan Harga Kereta” yang dicadangkan oleh Keadilan adalah tepat sekali memandangkan banyak rakyat menggunakan kereta dalam menguruskan pekerjaan harian mereka. Majoriti rakyat adalah dari golongan pendapatan rendah dan bayaran ke atas pinjaman untuk membeli kereta pada harga sekarang sangat membebankan mereka sedangkan ianya perlu.
Saya setuju dengan kempen ini. Saya juga menjadi mangsa kepada pihak kastam yang terdesak untuk mengaut keuntungan drpd duti import, duti eksais dan cukai jualan untuk kereta import. Selepas berkhidmat selama 5 tahun di pulau bebas cukai (PBC) Labuan, semua duti & cukai di atas telah dinaikkan sewenang-wenangnya melebihi 100%, hinggakan jumlah keseluruhan harga kenderaan + duti + cukai melebihi harga kereta semasa yang sama di Semenanjung. Apakah insentif rakyat untuk bekerja di PBC? Kami berasa tertipu kerana dijanjikan pengecualian cukai yg berpatutan untuk menjana ekonomi Labuan melalui pengimportan kereta, tetapi pekeliling-pekeliling & peraturan-peraturan yang membebankan sering dikeluarkan oleh pihak kastam untuk menambah pendapatan negara kononnya, tetapi menyusahkan rakyat. Semestinya rakyat dibelakangkan dalam hal ini.
Assalamualaikum semua…harga kereta saya tak pandai sangat nak menilai, kalau boleh kalau harga kereta RM45,000 bila buat loan dengan bank,bayar tetap sama RM45,000. Kalau lebih pun cuma RM1K sahaja sebagai kos perkhidmatan…itu saya setuju..dengan syarat peminjam loan kereta kena pastikan setiap bulan dia bayar ikut waktunya..jangan sesekali curi kesempatan. Sekian.
Wasalam,
Situasi memberi pinjaman tanpa keuntungan amat sukar untuk menjadi realiti. Fikirkan adakah anda sanggup untuk memgeluarkan RM10,000 pinjaman kepada rakan anda dan dibayar secara ansur-ansur selamat 5 tahun dengan jumlah yang sama. Fikirkan apa yang anda boleh lakukan jika anda gunakan duit itu untuk pelaburan emas, membuka perniagaan dan aktiviti lain yang boleh menghasilkan untung. Anda tak mungkin memberikan duit tersebut melainkan untuk menolong atau bersedekah. Sama juga situasi ini dengan institusi bank.
Sekian
Tulisan perlu mengunakan bahasa english juga.
Crazy car price and tax is the root cause that robbed most ordinary Malaysians’ income at early stage
When more than 50pct income wasted just to pay car taxes and made worse by Compund Interest work against you (car loans debt), what is left to purchase a decent house for next 20-25 years ?
That’s why Car Taxes killing off young working Malaysians’ early income and savings which ultimately endanger their retirement life
It’s big different if RM25K(average car tax rate) saved from crazy car taxes and let it be saved in bank accounts for few years (Compund Interest work for you) good enough as house downpayment be it low-cost house as long got roof over your head
RM25K CAR TAXES AFTER 9-YEARS CAR LOAN BECOME JUNK DEPRECIATION COSTS FOR NOTHING
BUT RM25K BANK SAVINGS OVER 9 YEARS EASILY DOUBLE THE AMOUNT (FOR HOUSE DOWNPAYMENT) !
CAR TAXES – MALAYSIA’S NO.1 RAKYAT ENEMY (BUT NO.2 IS RASUAH LAH OK)
CUKAI KERETA – PEMBUNUH MASA DEPAN RAKYAT NO.1 !
LET’S GO FOR CHEAPER CAR PRICE!
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Malaysians may not be financially ready to retire
Bernama August 26, 2012
KUALA LUMPUR: A study on retirement trends in East Asia has revealed the increasing vulnerability of Malaysians due to early retirement age as well as low rates of pension receipt under the Employees’ Provident Fund and the lack of old-age poverty floor.
The study report, “Balancing Tradition and Modernity: The Future of Retirement in East Asia”, is based on a survey that the Centre for Strategic and International Studies (CSIS) conducted in Malaysia, China, Hong Kong, Singapore, South Korea and Taiwan, according to Prudential in a statement on the survey findings.
The CSIS East Asia Retirement Survey reveals that an astonishing 92 per cent of current retirees in Malaysia report that they had already left the workforce by age 60 and suggests that Malaysia’s pattern of premature retirement will likely persist.
Malaysia is the only country in the survey whose fertility rate is above the 2.1 replacement level and the only one that will have a growing population and workforce in the coming decades, the report said.
“In China, the elderly share of the population will be approaching 30 per cent by 2040 — and in Hong Kong, Singapore, South Korea and Taiwan it will be approaching 40 per cent. In Malaysia, it will still be under 20 per cent,” it said.
Malaysia’s early mandatory retirement age, however, offsets its demographic advantage in building an adequate and sustainable retirement system, it added.
Co-authored by Richard Jackson and Neil Howe, it is part of the multilayer Global Ageing Preparedness Project, which was launched by CSIS and British insurance giant Prudential plc in 2010.
The survey found four out of five of today’s retirees in Malaysia worry about “being poor and in need of money,” becoming “a burden on their children,” and being “in ill health and having no one to care for them” — much larger shares than in any of the other survey countries.
Their vulnerability is attributable to Malaysia’s unusually early retirement ages, which leaves retirees at risk of outliving their savings, as well as to low rates of pension receipt under the EPF and to the lack of an age-old poverty floor, the survey said. — Bernama
Retirement prospects are improving for the younger generations, who expect to be less dependent on the extended family than today’s retirees are and to rely more heavily on their own savings, it said.
But with one in five current workers still expecting to receive no pension benefits of any kind, the outlook for many is far from secure, it added.
Donald Kanak, Chairman of Prudential Corporation Asia, which is part of Prudential plc, said: “Responding to the challenges caused by an ageing population is critical to Asia’s future.
“It is critical that policy makers and the industry work together to address this vital question.”
Charlie Oropeza, Chief Executive Officer of Prudential Assurance Malaysia Bhd, said: “The findings of the CSIS Study reinforce the need for Malaysians to better plan and secure their financial position towards retirement.
“While the policymakers as well as the Malaysian Government have been introducing frameworks such as the Financial Blueprint to provide greater length and breadth of financial products and services, Malaysians need to be more aware and make themselves financially ready through prudent investment decisions. — Bernama
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Our cars are costing us our homes
Food for thought
By DATUK ALAN TONG, The Star, Saturday July 14, 2012
Car and home costs relative to fresh gradautes’ salary
http://farm9.staticflickr.com/8286/7566153250_fbae50ddd8.jpg
WHEN I first started my job as an architect in the 1960s, I was on a three-year contract with a monthly salary of RM628. I bought my first car, a Peugeot which cost RM7,724, equivalent to approximately one year of my salary. The car became my reliable companion for 14 years. Those were the good old days, when a car could be bought with just one year of a fresh graduate’s salary.
Circumstances have since changed. Today, for a fresh graduate to own a car in Malaysia, it will easily cost him four years of his salary to purchase a foreign car, and even a local car costs around two years of his salary. If we take into consideration his living expenses and other commitments, it may take him even longer to settle his car loan. Hence, it has left him with very little option but to take the maximum car loan financing tenure of nine years.
In the table illustration below, a fresh graduate in the Washington D.C. earning about RM11,000 (about US$3,500) per month can easily buy a Japanese Honda Civic or Toyota Corolla worth RM50,000 as it is only 0.4 times of his yearly salary.
On the other hand, a fresh graduate in Malaysia earning about RM2,500 per month needs to pay RM120,000 if he would like to buy the same type of car. It costs him four times his gross yearly salary. This ratio is 10 times higher than his US counterpart.
For youths in Malaysia, buying a car is more expensive both in real terms, and in terms of debt-to-income ratio. In reality, it means they have to either purchase a car with lower price tag or commit to a longer term loan to own a car, which cost them the opportunity of owning a home.
This situation requires our youth to choose between buying a car or a house first, and many have committed to own a car first, considering our public transportation system is still in the process of being improved.
Many fresh graduates in Malaysia who start to serve their car loan tend to delay their plan of purchasing a home.
Unfortunately by the time they can afford to purchase a home, be it three, five or nine years later, the price of a property would have escalated due to among other things, inflation, higher construction cost and higher land prices.
While it may be safe to say that their salary would also increase, generally speaking the increment may not aligned to the rate of inflation. In most cases, owning a home will be a huge debt lasting 30 to 40 years of housing loan repayment.
What can be done differently to change the circumstances? Is there a better way for them to financially plan their future? These are questions that Malaysian youths ought to consider before purchasing any big-ticket items.
Let’s look at the table again. It also lists the median price for three-bedroom apartments in the suburbs of these cities. The median price of an apartment in the Klang Valley is around RM300,000, equivalent to 10-year gross income of our fresh graduates. The affordability level is more favourable compared to other Asian countries, such as Indonesia and Thailand. The prices of same size apartments in Jakarta and Bangkok range from RM350,000 to RM400,000, and costing their fresh graduates 13 to 18 years of gross yearly income to purchase a house.
Therefore, when it comes to the question of home affordability in Malaysia, we are blessed compared to our regional peers.
However, there are many factors that contribute to the challenge for our youths to own a house. Two primary factors are the additional financial commitment of purchasing a car, and the relatively lower income level in our country compared to our Western counterparts.
When fresh graduates spend a substantial amount of their salary paying for a car, they are left with little savings to own a house, and their house affordability level decreases over the years as prices rise due to inflation.
Clearly the income level of our graduates has to rise, to enable better quality of living and higher affordability level, which is the current government’s focus to make Malaysia a high income nation by 2020.
Perhaps it is also time to re-look at our national car policy and how it has affected the house affordability level in Malaysia. From the numbers above, it is clear that our cars are costing us our homes.
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Malaysians are paying too much for cars, money they could be using to increase quality of life
The Star, Saturday June 23, 2012
A QUESTION OF BUSINESS
By P. GUNASEGARAM
IT has been reported that the National Automotive Policy (NAP) will be reviewed. But unless the review addresses the problem of the high price of cars in Malaysia and reduce the burden on Malaysians, it will yet again be an abject failure.
As soon as the first Proton – the Saga – rolled off the production line in 1985, something happened to car prices – they started rising and in a matter of mere years, they were higher than most places in the world, sometimes as much as twice the price of cars in other markets.
I recall buying a brand new Mazda 1.5 hatchback for RM16,500 in 1982 but when I bought a Proton 1.3S in 1988, an inferior car to the Mazda in terms of comfort, space and performance six years later, the price had gone up to nearly RM26,000 or about 60% more – everything else in the same range was considerably more expensive.
The underlying reason for that was, simply put, tariff protection. To ensure a market for Proton cars, astronomical duties were imposed on imported cars – sometimes a 100% or more – and a similar but slightly less onerous fate descended upon locally assembled cars.
The upshot of all this was that soon after Proton had an iron grip on the market with four out of five cars sold being Proton. Look to the left and there is a Proton, look to the right and there is another, look behind and there’s one more and the one coming right towards you is yet another one. And what’s the other car I see, looks like a Sunny (Nissan).
That was the scenario for quite a while and then another Malaysian national car manufacturer was set up in 1992, Perodua, with technical help from Daihatsu of Japan, a Toyota subsidiary. Meantime, Proton was trying hard to get its own capability up and dissolved its partnership with Mitsubishi, which had resulted in a very reliable first generation Proton based on the Mitsubishi models.
From Government hands, ownership passed to private hands and a dalliance began with other manufacturers including Citroen which resulted in something called the Tiara based on an out-dated Citroen model. Models proliferated, suppliers were squeezed, quality was beginning to be affected and problems began to appear.
Proton went back into Government hands because the private owners could not hack it anymore, first Petronas and then Khazanah Nasional. An own engine was introduced. Quality dropped further and Perodua made inroads. Eventually Perodua overtook Proton as the main brand in the country.
There was a near-miss tie up with Volkswagen, which would have ensured Proton and the Malaysian car industry a bright future as the German company sought a regional manufacturing base. Top Government officials, apparently instigated by Proton top brass, baulked at the last minute although Khazanah Nasional was all for the deal.
Eventually, Proton moved back into private hands, the same owners yet again, DRB-Hicom, but with new major shareholders at this company to which Khazanah Nasional had sold its stake.
That’s a very brief history of the Malaysian automotive industry. Point to note is that 27 years after the first national car rolled off the production line, cars in Malaysia continue to be among the most expensive in the world and the so-called national manufacturers continue to be heavily protected.
The NAP has to clearly recognise that the national car industry is not going to survive unless the players have access to technology and have scale. Proton is going to have a problem because it has no permanent tie-up in terms of equity and management with a technology provider.
In that respect, Perodua is better off because it has both an equity and technology tie-up with Daihatsu, one of the world’s leading manufacturers of small cars. There are also possibilities for Daihatsu using Perodua as its regional manufacturing base which will go a long way towards preserving its future.
But no such prospect seems to be in store for Proton. It lost a golden opportunity with Volkswagen, one of the largest manufacturers in the world and Europe’s largest, which makes an array of high quality vehicles in all the product groups.
What is important now, and this is what the NAP should do, is liberalise the industry for the market which accounts for over 90% of sales in Malaysia, below 1800cc category.
Not only that, it should announce a phased withdrawal of import duties and excise tax say over five years so that there is no tax on cars. If a value-added tax is imposed, then that can apply to cars. This will make the industry wide open to competition and will force consolidation and tie-ups – either compete or perish.
The import duties were imposed to protect the national cars and the Government can’t say it provides a lot of revenue for it now. If it wants to roll back subsidies it must also roll back unfair taxes, which affect the general public.
After all, the car is the largest investment most people make after a house and Malaysians have high per capita ownership of cars, given the poor public transport. Removing taxes on cars will benefit a wide cross section of people and give them more disposable income that they can spend on other things, improve their quality of life, and provide a fillip to the economy.
We made a mistake 27 years ago when we went into car manufacturing. We had neither a comparative advantage nor technological capability. The only way we could have survived was a tie-up, which is why Perodua is successful while Proton is not now, although it initially was.
The Koreans, who entered the car industry about the same time, are far ahead of us now but that would also be because they were technologically much more prepared and able than us and have a much bigger local market.
But whatever the arguments, we must accept the national car project was not a complete success and it came at a great cost to the Malaysian public who would have paid many, many billions of ringgit more for the cars that they bought over the last 27 years than was necessary.
It is simply too much to expect them to continue paying much more for cars for an indefinite period of time.
SAUDARA RAFIZI TOLONG SGT2 SIASAT SYRKT KRONI UMNO NI. TAK BAYAR GAJI PENGAWAL SAMPAI HARI INI 23-9-2012. SEKIAN TERIMA KASIH.
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‘RAKYAT TERANIAYA’
I think that what you posted made a bunch of sense.
However, what about this? what if you added a little information? I ain’t suggesting your information isn’t solid., however what if
you added a post title that grabbed folk’s attention? I mean KEADILAN Lancar Kempen “Turunkan Harga Kereta” | Rafizi Ramli is
a little plain. You should peek at Yahoo’s home page and
watch how they write article headlines to get people interested.
You might add a video or a pic or two to grab people excited about everything’ve written. Just my opinion, it would make your website a little
livelier.