Who are we actually? Who can help us? We were originally “stateless”, now the government has granted us “Permanent Residency”.
We were born and raised in Brunei. We study and work here. And after retiring, we might even die here someday. But are we seen as local citizens in the eyes of those people who hold citizenship?
Rich PRs who are not even born locally can easily get citizenship due to their contribution to the country through their business. But the ordinary, locally born PRs like us are a forgotten lot.
We don’t have a house and we cannot apply for the government housing scheme. We want to get a home loan from a bank, but fail to fulfil the requirement due to our low income. We have to rent a place to stay, and move from one place to another if the owner wants to take back their unit. We live like foreigners in our own country.
If we use up almost all our monthly income to pay our house rent, how can we save to buy our own home?
If the government housing scheme is not for us then we are willing to take a loan from a bank.
Instead of paying rent to a place that doesn’t belong to us, we are more than willing to buy a house that will one day belong to us. But the bank can only approve 80 per cent of it. From where can we get the other 20 per cent?
The percentage of bank approval is low, as I already have a car loan with them. The TAP housing scheme allows us to withdraw 40 per cent from our account, but what can I do for that little money as my income is low?
I have been trying hard to get a house for my family, but what can I do? Can any relevant department advise me? I accept the housing scheme is not for people like me, and it’s only for citizens.
But I hope to get some kind of assistance from the government that can help me to get a home loan from a bank with a longer repayment period to lower the monthly installments.
The mission of the Department of Housing Development is to provide “homes for all” and “to provide safe, quality and affordable housing to Brunei Citizens”.
Anything for us, too, the locally born PRs?