EPF home loan scheme at standstill

KUALA LUMPUR, March 5 — Putrajaya’s controversial plan to lend an initial RM300 million from the Employees Provident Fund (EPF) to unqualified homeowners in the capital has hit a deadlock over security conditions demanded by the country’s largest pension fund.

The Malaysian Trades Union Congress (MTUC), the umbrella body that represents 800,000 workers from 390 labour unions, told The Malaysian Insider that negotiations between EPF and Kuala Lumpur City Hall (DBKL) have stalled since early this month.

“EPF chief executive Tan Sri Azlan Zainol told me that DBKL cannot agree to these conditions. We were briefed on February 16 on the proposal and up to now, there have been no developments,” MTUC secretary-general Abdul Halim Mansor said.

According to MTUC president Khalid Atan, EPF has insisted that 25 per cent of the loan must be held in security by the pension fund while land titles must not be handed over to the 20,000 city dwellers who are still renting and unable to borrow from banks until they have serviced 20 years of the EPF loan.

However, Khalid said he was unclear over the function of the 25 per cent security as “we have not seen the actual black-and-white proposal.”

“Although we sit on the board, the investment panel appointed by the Finance Ministry handles negotiations and decides on EPF’s portfolio,” he said of the fund which is worth nearly half a trillion ringgit.

The EPF had said on February 8 that it is in talks with the federal government but a deal has not been inked for the initial sum of RM300 million to be loaned to a special purpose vehicle linked to the Federal Territories Foundation (FTF).

The foundation is directly controlled by Federal Territories and Urban Well-being Minister Raja Datuk Nong Chik Raja Zainal Abidin.

It is unclear why DBKL has refused to accept the conditions but handing over land titles to city dwellers before elections that must be called by April next year would boost the ruling Barisan Nasional (BN) in the capital where it won just one of 11 seats in Election 2008.

Raja Nong Chik triggered public outcry when he disclosed the proposed loan scheme will allow some 20,000 unqualified City Hall tenants to buy homes with up to RM1.5 billion from the EPF, which is meant to safeguard the pension funds of some 5.7 million contributors.

He previously said the loan would be secure as it is guaranteed by City Hall, a government agency, and that the EPF would get 5.5 per cent return on investment annually from repayments by the new home owners.

The Umno senator also said he expects “not more than 10 per cent (of the borrowers) will default”.

But neither the government nor EPF’s management has yet to explain why pension money, instead of funds from the federal treasury, is being used to help finance those who cannot qualify for commercial bank loans to buy homes.

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Obama offers mortgage relief to millions of homeowners

WASHINGTON (Reuters) - President Barack Obama Announced on Wednesday a cut in fees on many government-backed mortgages That He Said Could help millions of home owners Refinance, part of an election-year push to boost the shaky housing market.

Under the plan, a typical borrower with a loan backed by the Federal Housing Administration Could save a thousand U.S. dollars a year by refinancing into a new FHA loan, the White House said. The fee reductions would be on top of any savings from a lower interest rate.

Two million to three million Eligible borrowers would be, although the White House said participation would more likely number in the "Hundreds of thou sands."

The scooter is the latest in a series by the Obama administration to aid a depressed U.S. housing market and home owners threatened by a rising tide of foreclosures. About 11.1 million Americans now owe more than Their homes are worth.

"I'm Not One Of Those people who believe That we just sit by and wait for the housing market to hit bottom," Obama said at a news conference. "There are real things we can do right now substantialism That would make a difference in the lives of innocent, Responsible home owners."

Obama, who faces re-election in November, introduced the cut in mortgage fees along side Efforts to sate compensated members of the military who may have wrongfully Foreclosed leg.

The lower fees loans being put in place would be available to borrowers seeking a new loan through FHA's streamlined refinancing program, and even borrowers who owe more on Their Mortgage Than Their house is worth would be Eligible.

Under the streamlined program, borrowers must be current on Their payments and income verifications and appraisals are waived. The reduced fees Announced today would be available to borrowers who are refinancing loans taken out before June 1, 2009.

Of the 5.4 million 30-year fixed-rate mortgages the FHA backs, 3.2 million would not be Eligible Because They Were issued trading after the June 1, 2009 cut off date, According To Mahesh Swaminathan, an analyst at Credit Suisse Group AG.

"This Should Be broadly positive for housing and the economy by Reducing foreclosures and freeing up income for Consumers to spend on other goods and services," Jaret Seiberg, senior policy analyst with Guggenheim Securities, wrote in a note to clients.

The biggest banks, Such As Wells Fargo & Co.. , Bank of America Corp and JPMorgan Chase & Co.. , Are likely to see an uptick in refinancing volume, Which Could Mean Increased income from fees related to FHA mortgages, he wrote.

While mortgage rates are at historic lows around 4 percent, many Americans lack the equity to Refinance. Others are locked out by tight credit conditions.

Obama has Announced Several changes to the administration's housing policies this year to help borrowers, Including an expansion or an Existing Mortgage Relief Program That had failed to reach as many home owners as Hoped.

The latest plan, All which does not need congressional approval, Reduces the cost of up-front FHA mortgage insurance premiums to 0.01 percent from 1 percent of a borrower's loan balance. Also it cuts the annual fee for thesis loans in half to 0.55 percent.

Many borrowers have found FHA refinancing prohibitive in recent years Because Of Increased insurance premiums. The administration has leg raising fees for FHA loans to shore up the agency's dwindling capital and shrink its footprint in the market. The FHA backs about a third of all new mortgages.

(Reporting by Margaret Chadbourn; Editing by Andrew Hay)

© 2012 Reuters Limited. All rights reserved. Republica Tion or redistribution of Reuters content is expressly Prohibited without the prior written consent of Reuters.


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