Stable Mortgage And Tax Relief To Stimulate Property Sector In 2025
Stable Mortgage And Tax Relief To Stimulate Property Sector In 2025
Stable mortgage and tax reliefs is set to stimulate Malaysia's property sector in 2025 says Hong Leong Investment Bank in its 2005 outlook for the sector.
香港隆重投資銀行在其2005年行業展望中表示,穩定的抵押貸款和稅收減免預計將刺激馬來西亞的房地產板塊在2025年增長。
According to the National Property Information Centre (NAPIC), property transaction values reached a five-year high of RM105.65 billion in the first half of 2024, recording a remarkable 23.8% year-on-year increase. This growth, coupled with a 12.3% reduction in residential overhang, signals a recovering market driven by improving demand and affordability.
根據國家房地產信息中心(NAPIC)的數據,2024年上半年房地產交易總值達到1056.5億令吉,創下五年新高,同比大幅增長23.8%。這一增長,加上住宅過剩減少12.3%,表明市場正在復甦,受到了需求和可負擔能力改善的推動。
Additionally, government initiatives, such as tax reliefs for first-time homebuyers announced in Budget 2025, and stable mortgage rates supported by a 3% OPR are fueling optimism. However, rising living costs, inflationary pressures, and high unsold inventories continue to pose challenges for market recovery.
此外,政府舉措,如2025年預算中宣佈的首次購房者稅收減免,以及由3% OPR支持的穩定房貸利率,正在激發樂觀情緒。然而,不斷上升的生活成本、通貨膨脹壓力和高庫存仍然是市場復甦的挑戰。
In the opening address at the 18th Bursa-HLIB Stratum Series titled "Property Sector: Entering A New Cycle?", Lee Jim Leng, Group Managing Director and CEO of Hong Leong Investment Bank emphasised that the positive indicators highlight the sector's resilience and adaptability amidst adversity.
在題爲《房地產板塊:進入新週期了嗎?》的第18屆 Bursa-HLIb Stratum 系列開幕致辭中,香港龍投資銀行集團董事總經理兼首席執行官李金玲強調,積極的因數突顯了該板塊在逆境中展現的韌性和適應能力。
"Affordability remains a key element in determining the sector's future outlook. In 2025, we expect higher wages for civil servants and the introduction of a higher minimum wage in February will increase disposable income, catalysing demand for properties across the country. This, coupled with the current 3% OPR and stable mortgage rates, creates a favourable environment for both homebuyers and investors, making homeownership more accessible," said Lee.
李說:"可負擔能力仍然是決定該板塊未來前景的關鍵因素。我們預計在2025年,公務員工資的提高和2月份最低工資的上調將增加可支配收入,刺激全國房地產的需求。這,加上當前的3% OPR和穩定的房貸利率,爲購房者和投資者創造了有利環境,使得擁有住房變得更加可行。"
"At HLIB, we believe a stable employment growth rate and a projected GDP growth of 4.9% this year, the economy remains on firm ground. These positive indicators provide the right conditions for sustained growth and a virtuous cycle of demand and investment that contributes to Malaysia's broader economic development. While these are promising signs, it is necessary for continued innovative strategies and collaboration within the industry to tackle the challenges," she added.
"在HLIb,我們認爲,穩定的就業增長率和預計今年4.9%的GDP增長,使得經濟保持堅實基礎。這些積極的因數爲可持續增長和需求與投資的良性循環提供了良好條件,促進了馬來西亞更廣泛的經濟發展。儘管這些是令人鼓舞的跡象,但在行業內持續創新策略和協作以應對挑戰是必要的,"她補充道。
HLIB said the sector's optimistic outlook is further supported by the government's initiatives outlined in Budget 2025. Notably, the tax reliefs of up to RM7,000 for first-time homebuyers purchasing properties priced up to RM500,000, and up to RM5,000 for homes priced between RM500,000 and RM750,000. These initiatives are expected to spur demand while aiding the market's recovery by making homeownership accessible and contribute to long-term growth.
HLIb表示,該板塊的樂觀前景進一步得到了2025年預算中政府舉措的支持。值得注意的是,爲首次購房者提供高達7000令吉的稅收減免,適用於購買價格不超過500,000令吉的房產,以及高達5000令吉的減免,適用於價格在500,000令吉到750,000令吉之間的房屋。這些舉措預計將刺激需求,同時通過使住房更加可及來幫助市場復甦,並有助於長期增長。
譯文內容由第三人軟體翻譯。
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