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国家银行副总裁拿督阿都拉昔说，大马致力于提供足够数量的房屋，并确保房价在可负担范围，但不鼓励人们为了买屋而造成财务负担，否则就有违“可负担”的原意。

他强调，国行非常重视谨慎和永续性的理财原则。

“虽然出于善意，但我们不能为了拥有属于自己的屋子而造成不合理负担，或使任何人面对财困问题。这已违背拥有房屋的原意。”

“有鉴于此，秉持公平、公正和谨慎原则，是我们诠释何谓真正的‘可负担’。”

阿都拉昔今天在国家按揭机构（Cagamas）-世界银行可负担房屋大会上发表主题演讲。

他说，可负担能力涵盖个人收入及屋价两方面，买屋者的收入须能同时兼顾买房其他的生活开销。

他也提醒发展商，有责任为民众提供价格合理的房屋。

“根据国际标准来看，大马房屋被形容为无法负担，因为屋价是收入中位数的5倍。这打击了鼓励居者有其屋的努力。”

阿都拉昔说，最新资料显示，我国共有约17万1000间滞销房屋，预计74%的滞销房屋价格超出一般民众的负担能力范围。

“因此，我们需要更有创意、积极和全面的方案解决可负担房屋的问题。这也需要所有利益相关单位——政策制定者、私人界、发展商及民众的配合。”

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