{"id":4023,"date":"2014-04-12T12:27:52","date_gmt":"2014-04-12T04:27:52","guid":{"rendered":"http:\/\/limguaneng.com\/?p=4023"},"modified":"2014-04-12T22:03:12","modified_gmt":"2014-04-12T14:03:12","slug":"bank-negara-should-reinstate-developer-interest-bearing-schemedibs-to-first-time-buyers-as-well-as-increase-and-extend-syarikat-jaminan-kredit-perumahansjkp-to-buyers-of-affordable-homes-costing-f","status":"publish","type":"post","link":"https:\/\/limguaneng.com\/index.php\/2014\/04\/12\/bank-negara-should-reinstate-developer-interest-bearing-schemedibs-to-first-time-buyers-as-well-as-increase-and-extend-syarikat-jaminan-kredit-perumahansjkp-to-buyers-of-affordable-homes-costing-f\/","title":{"rendered":"Bank Negara Should Reinstate Developer Interest Bearing Scheme(DIBS) To First-Time Buyers As Well As Increase And Extend Syarikat Jaminan Kredit Perumahan(SJKP) To Buyers Of Affordable Homes Costing From RM72,500 Up To RM 400,000.(en\/bm\/cn)"},"content":{"rendered":"

Press Statement By Penang Chief Minister Lim Guan Eng In Penang On 12.4.2014. <\/p>\n

The Penang state government urges Bank Negara to reinstate Developer Interest Bearing Scheme(DIBS) for first-time buyers as well as increase and extend Syarikat Jaminan Kredit Perumahan(SJKP) to buyers of affordable homes costing from RM72,500 up to RM400,000. Ever since DIBS was abolished, many first-time buyers of affordable housing could not obtain bank loans to buy their own homes. <\/p>\n

Up to 70% of the housing loan applications, including low-cost and low-medium cost(LC\/LMC), have been rejected by private banks. Bank Negara should reinstate the Developer Interest Bearing Scheme(DIBS) for first-time buyers to enable them to realise their dream of owning their own homes. Legal fees should be part of the DIBS package and stamp duty should be waived to lower the initial entry cost for first time home buyers. <\/p>\n

At the same time, the funding for Syarikat Jaminan Kredit Perumahan(SJKP) should be increased to RM3 billion to include not only guaranteeing LC\/LMC loans by private banks but also for loans from first-time buyers of affordable housing costing up to RM400,000. With the present small sum of RM180 million of SJKP loan guarantees approved nation-wide only for LC\/LMCs, there is not enough to go around nationally(see graph below). <\/p>\n

Presently SJKP guarantees a maximum loan of RM 120,000, which is insufficient for affordable homes costing up to RM400,000. Interest rates for LC\/LMC and first time buyers of affordable housing should be fixed at Base Lending Rate or BLR if the Bank Negara is sincere in helping them. It is sad that high-end loans for expensive luxury houses get lower interest rates than LC\/LMC and affordable housing loans. <\/p>\n

The latest Bank Negara Annual Report 2013 has revealed that Bank Negara is being short-sighted and uncaring at best or irresponsible and unprofessional at worst towards the problem of Malaysia having the second highest level of household debt in Asia. Bank Negara dismissed the rise in the level of household debt in Malaysia from 81.1% of Gross Domestic Product(GDP) in 2012 to 86.8% of GDP in 2013 as not posing any risk to financial stability. <\/p>\n

Bank Negara should realise that the reason for is that our income levels are stuck in a \u201cglacial trap\u201d with inflation outpacing wage rises. This has forced many households to rely on credit loans to make ends meet and even resort to loan sharks when they are unable to get loans from financial institutions. <\/p>\n

With total household borrowings at RM854.3 billion in 2013, the proportion of households having loans with those having monthly earnings of up to RM3,000, accounted for 27% of total household borrowings at RM 230.l7 billion. This only proves that for lower income groups, their incomes are unable to keep up with inflation, forcing many to borrow to survive to maintain their living standard, forget about getting housing loans to purchase their own homes.<\/p>\n

How can first-time buyers from lower-income groups afford to buy their own homes when Bank Negara has reduced the maximum tenure for loans of property purchases from 45 years to 35 years? Such reduction in tenure will only increase the housing installment payments and make it more difficult for lower-income groups to qualify for loans.<\/p>\n

The Penang state government is taking pro-active steps on its own initiative to assist low-income buyers unable to get loans by introducing the Shared Ownership Scheme(SOS) for low-cost houses, a first in the country. Many lower-income groups are able to qualify for loans if they need to borrow only 70% of the property price. <\/p>\n

Under the SOS, the property is jointly owned by the state government with the state government giving out loans of up to 30% of the property price interest-free. With this 30% interest-free housing loan from the state government, the buyer of low-cost home needs to only borrow 70% of the property price, which most of them can qualify.<\/p>\n

LIM GUAN ENG<\/p>\n

Summary of Applications’ Status
\nsince Tuesday, January 22, 2008 until today: Sunday, April 06, 2014 .<\/p>\n

\"\"<\/a><\/p>\n

\"\"<\/a><\/p>\n

—–BM Version —-
\nBank Negara wajar mengembalikan Skim Tanggungan Faedah Pemaju (Developer Interest Bearing Scheme, DIBS) serta memperluaskan Syarikat Jaminan Kredit Perumahan (SJKP) untuk pembeli kali pertama perumahan mampu milik dari RM72,500 sehingga RM400,000.<\/p>\n

Kerajaan Negeri Pulau Pinang menggesa Bank Negara untuk mengembalikan Skim Tanggungan Faedah Pemaju (Developer Interest Bearing Scheme, DIBS) serta memperluaskan Syarikat Jaminan Kredit Perumahan (SJKP) untuk pembeli kali pertama perumahan mampu milik dari RM72,500 sehingga RM400,000. Sejak DIBS dimansuhkan, ramai pembeli rumah mampu milik kali pertama tidak berjaya mendapat pinjaman untuk membeli rumah.<\/p>\n

Sehingga 70% permohonan pinjaman perumahan, termasuk bagi perumahan kos rendah dan kos sederhana rendah (LC\/LMC) yang bernilai kurang daripada RM72,500, telah ditolak oleh bank swasta. Bank Negara wajar mengembalikan Skim Tanggungan Faedah Pemaju (DIBS) untuk pembeli kali pertama bagi membolehkan mereka mencapai impian memiliki rumah sendiri. Yuran undang-undang harus menjadi sebahagian daripada pakej DIBS dan pengecualian duti setem harus diberi bagi merendahkan kos bagi pembeli rumah kali pertama.<\/p>\n

Pada masa yang sama, peruntukan untuk Syarikat Jaminan Kredit Perumahan (SJKP) harus ditingkatkan kepada RM3 bilion supaya dapat merangkumi bukan sahaja jaminan pinjaman LC\/LMC oleh bank swasta, tetapi juga pinjaman untuk pembeli kali pertama rumah mampu milik kali yang bernilai sehingga RM400,000. Kini, jumlah jaminan pinjaman SJKP yang diluluskan di seluruh negara adalah RM180 juta dan tidak mencukupi untuk semua.<\/p>\n

Pada masa kini, SJKP menjamin pinjaman maksimum RM120,000, iaitu tidak mencukupi untuk perumahan mampu milik yang bernilai sehingga RM400,000. Faedah pinjaman bagi LC\/LMC serta pembeli kali pertama perumahan mampu milik harus ditetapkan pada Base Lending Rate atau BLR sekiranya Bank Negara benar-benar ikhlas untuk membantu mereka. Ia adalah sedih apabila pinjaman perumahan mewah mendapat faedah pinjaman yang kurang berbanding pinjaman LC\/LMC dan perumahan mampu milik.<\/p>\n

Laporan Tahunan Bank Negara 2013 yang terbaru mendedahkan bahawa Bank Negara tidak berpandangan jauh dan kurang peduli ataupun tidak bertanggungjawab dan tidak profesional terhadap masalah negara yang kini mempunyai jumlah hutang isi rumah kedua tertinggi di Asia. Bank Negara meremehkan kenaikan hutang isi rumah di Malaysia yang meningkat dari 81.1% daripada KDNK pada tahun 2012 ke 86.8% daripada KDNK pada 2013 sebagai sesuatu yang tidak mendatangkan risiko terhadap kestabilan kewangan negara.<\/p>\n

Bank Negara mesti menyedari bahawa perkara ini terjadi kerana tahap pendapatan kita tersekat dalam kebekuan dengan keadaan kadar inflasi pantas melampaui kadar kenaikan gaji. Ini memaksa ramai orang untuk bergantung kepada hutang kredit bagi menampung kos sara hidup malah terpaksa berhutang dengan Ah Long apabila mereka gagal mendapatkan pinjaman daripada institusi kewangan.<\/p>\n

Sementara jumlah besar hutang isi rumah sudah mencecah RM854.3 bilion pada tahun 2013, peratusan isi rumah berhutang yang berpendapatan sehingga RM3,000 menyumbang kepada 27% jumlah pinjaman isi rumah, iaitu RM230.17 bilion. Ini hanya membuktikan bahawa pendapatan golongan berpendapatan rendah tidak dapat menyaingi kadar inflasi, lantas memaksa ramai untuk meminjam untuk mengekalkan standard kehidupan, apatah lagi untuk mendapat pinjaman untuk membeli rumah.<\/p>\n

Bagaimanakah pembeli kali pertama daripada golongan berpendapatan rendah boleh mampu membeli rumah sendiri apabila Bank Negara mengurangkan tempoh maksima pinjaman hartanah daripada 45 tahun kepada 35 tahun sahaja? Pengurangan tempoh yang sedemikian hanya akan menambahkan bayaran bulanan pinjaman perumahan dan menjadikannya sukar untuk golongan berpendapatan rendah layak mendapat pinjaman.<\/p>\n

Bagi membantu golongan berpendapatan rendah untuk mendapat pinjaman, kerajaan negeri Pulau Pinang telah mengambil langkah proaktif dengan memperkenalkan Skim Milikan Bersama (Shared Ownership Scheme, SOS) untuk perumahan kos rendah \u2013 iaitu skim sedemikian rupa yang pertama diperkenalkan di Malaysia. Ramai orang berpendapatan rendah akan layak sekiranya mereka hanya perlu meminjam 70% harga hartanah.<\/p>\n

Di bawah SOS, hartanah akan dimiliki secara bersama dengan kerajaan di mana pinjaman kerajaan akan diberi sehingga 30% harga hartanah tanpa riba kepada golongan berpendapatan rendah. Dengan pinjaman perumahan tanpa riba sebanyak 30% daripada kerajaan negeri, pembeli rumah kos rendah hanya perlu meminjam 70% nilai hartanah. Ini bermaksud bahawa ramai yang akan layak.<\/p>\n

—–Mandarin Version —<\/p>\n

\u69df\u5dde\u9996\u5e2d\u90e8\u957f\u6797\u51a0\u82f1\u4e8e2014\u5e744\u670812\u65e5\u662f\u5728\u69df\u57ce\u53d1\u8868\u58f0\u660e\uff1a
\n
\n\u56fd\u5bb6\u94f6\u884c\u7406\u5e94\u6062\u590d\u53d1\u5c55\u5546\u5229\u606f\u627f\u62c5\u914d\u5957(DIBS)\uff0c\u4ee5\u53ca\u5c06\u623f\u5c4b\u8d37\u6b3e\u62c5\u4fdd\u516c\u53f8\uff08SJKP\uff09\u7684\u8d37\u6b3e\u4e0a\u9650\u4ece7\u4e072500\u4ee4\u5409\u589e\u52a0\u81f340\u4e07\u4ee4\u5409\u3002<\/p>\n

<\/strong>\u69df\u5dde\u653f\u5e9c\u4fc3\u8bf7\u56fd\u5bb6\u94f6\u884c\u6062\u590d\u53d1\u5c55\u5546\u5229\u606f\u627f\u62c5\u914d\u5957(DIBS)\uff0c\u4ee5\u53ca\u5c06\u623f\u5c4b\u8d37\u6b3e\u62c5\u4fdd\u516c\u53f8\uff08SJKP\uff09\u7684\u8d37\u6b3e\u4e0a\u9650\u4ece7\u4e072500\u4ee4\u5409\u589e\u52a0\u81f340\u4e07\u4ee4\u5409\u3002\u81ea\u4ece\u53d1\u5c55\u5546\u5229\u606f\u627f\u62c5\u914d\u5957\u88ab\u53d6\u6d88\u540e\uff0c\u5f88\u591a\u9996\u6b21\u8d2d\u5c4b\u8005\u90fd\u62ff\u4e0d\u5230\u94f6\u884c\u8d37\u6b3e\u6765\u8d2d\u4e70\u4ed6\u4eec\u7684\u623f\u5b50\u3002<\/p>\n

\u8d85\u8fc770%\u7684\u623f\u5c4b\u8d37\u6b3e\u88ab\u62d2\uff0c\u5305\u62ec\u5ec9\u4ef7\u53ca\u4e2d\u4ef7\u5c4b\u8d37\u6b3e\uff0c\u56fd\u5bb6\u94f6\u884c\u5e94\u8be5\u6062\u590d\u53d1\u5c55\u5546\u5229\u606f\u627f\u62c5\u914d\u5957\u3002\u4ee5\u4fbf\u8ba9\u9996\u6b21\u8d2d\u5c4b\u8005\u80fd\u591f\u843d\u5b9e\u548c\u62e5\u6709\u4ed6\u4eec\u7684\u68a6\u60f3\u5bb6\u56ed\u3002\u3002\u5f8b\u5e08\u8d39\u4e5f\u5e94\u8be5\u662f\u5229\u606f\u627f\u62c5\u914d\u5957\uff08DIBS\uff09\u7684\u4e00\u90e8\u5206\uff0c\u800c\u8d22\u653f\u90e8\u4e5f\u5e94\u8be5\u8c41\u514d\u5370\u82b1\u7a0e\uff0c\u964d\u4f4e\u7b2c\u4e00\u6b21\u8d2d\u5c4b\u8005\u7684\u521d\u59cb\u8d39\u7528\u3002<\/p>\n

\u540c\u65f6\uff0c\u623f\u5c4b\u8d37\u6b3e\u62c5\u4fdd\u516c\u53f8\u7684\u57fa\u91d1\u5e94\u8be5\u8981\u63d0\u9ad8\u523030\u4ebf\u4ee4\u5409\uff0c\u4e0d\u53ea\u62c5\u4fdd\u5411\u79c1\u7acb\u94f6\u884c\u8d37\u6b3e\u7684\u5ec9\u4ef7\u5c4b\u53ca\u4e2d\u5ec9\u4ef7\u5c4b\u8d2d\u5c4b\u8005\uff0c\u4e5f\u62c5\u4fdd\u8d2d\u4e7040\u4e07\u4ee4\u5409\u53ef\u8d1f\u62c5\u623f\u5c4b\u7684\u8d2d\u5c4b\u8005\u3002\u76ee\u524d\u8fd9\u5bb6\u62c5\u4fdd\u516c\u53f8\u76841\u4ebf8000\u4e07\u4ee4\u5409\u53ea\u62c5\u4fdd\u5ec9\u4ef7\u5c4b\u53ca\u4e2d\u5ec9\u5c4b\uff0c\u4f46\u662f\u5e76\u4e0d\u8db3\u4ee5\u5e94\u4ed8\u5168\u56fd\u7684\u9700\u6c42\u3002\uff08\u89c1\u8868\uff09<\/p>\n

\u76ee\u524d\uff0c\u62c5\u4fdd\u516c\u53f8\u4fdd\u8bc1\u6700\u9ad8\u8d37\u6b3e\u989d12\u4e07\u4ee4\u5409\uff0c\u4e0d\u8db3\u4ee5\u62c5\u4fdd40\u4e07\u4ee4\u5409\u7684\u53ef\u8d1f\u62c5\u623f\u5c4b\u3002\u5982\u679c\u56fd\u5bb6\u94f6\u884c\u6709\u8bda\u610f\u5e2e\u5fd9\uff0c\u5ec9\u4ef7\u53ca\u4e2d\u5ec9\u4ef7\u7684\u5229\u606f\u4ee5\u53ca\u53ef\u8d1f\u62c5\u623f\u5c4b\u7684\u7b2c\u4e00\u6b21\u8d2d\u5c4b\u8005\u5e94\u8be5\u56fa\u5b9a\u5728\u57fa\u672c\u8d37\u5229\u7387\uff08BLR\uff09\u3002\u4ee4\u4eba\u96be\u8fc7\u7684\u662f\uff0c\u9ad8\u989d\u8d37\u6b3e\u53cd\u800c\u80fd\u591f\u83b7\u5f97\u6bd4\u5ec9\u4ef7\u5c4b\u3001\u4e2d\u5ec9\u4ef7\u5c4b\u53ca\u53ef\u8d1f\u62c5\u623f\u5c4b\u8d37\u6b3e\u66f4\u4f4e\u7684\u5229\u7387\u3002 <\/p>\n

\u6700\u65b0\u76842013\u5e74\u56fd\u5bb6\u94f6\u884c\u62a5\u544a\u63ed\u793a\u56fd\u5bb6\u94f6\u884c\u6781\u5176\u7cdf\u7cd5\u5730\u77ed\u89c6\u3001\u4e0d\u95fb\u4e0d\u95ee\u3001\u4e0d\u8d1f\u8d23\u4efb\u53ca\u4e0d\u4e13\u4e1a\u7684\u53bb\u9762\u5bf9\u9a6c\u6765\u897f\u4e9a\u5f53\u524d\u5bb6\u5ead\u503a\u52a1\u9ad8\u5c45\u4e9a\u6d32\u7b2c2\u7684\u95ee\u9898\u3002\u56fd\u5bb6\u94f6\u884c\u5b8c\u5168\u4e0d\u987e\u86512012\u5e74\u9a6c\u6765\u897f\u4e9a\u5bb6\u5ead\u503a\u52a1\u5360\u636e\u4e86\u56fd\u6c11\u751f\u4ea7\u603b\u503c\uff08GDP\uff09\u768481.1%\u53ca2013\u5e74\u5360\u636e\u4e86\u56fd\u6c11\u751f\u4ea7\u603b\u503c\u768486.8%\u7684\u95ee\u9898\uff0c\u5c31\u597d\u50cf\u8fd9\u95ee\u9898\u5e76\u4e0d\u4f1a\u4e3a\u9a6c\u6765\u897f\u4e9a\u5e26\u6765\u4efb\u4f55\u98ce\u9669\uff0c\u5f71\u54cd\u91d1\u878d\u7a33\u5b9a\u3002<\/p>\n

\u56fd\u5bb6\u94f6\u884c\u5e94\u8be5\u6e05\u695a\u6211\u4eec\u56fd\u4eba\u7684\u6536\u5165\u6709\u5982\u88ab\u51b0\u5c01\u5728\u51b0\u5ddd\u9677\u9631\u65e0\u6cd5\u52a8\u5f39\uff0c\u539f\u56e0\u662f\u56e0\u4e3a\u767e\u7269\u7686\u957f\u6240\u5bfc\u81f4\u7684\u901a\u8d27\u81a8\u80c0\u3002\u8fd9\u5bfc\u81f4\u5f88\u591a\u5bb6\u5ead\u5fc5\u987b\u4e3e\u503a\u89e3\u71c3\u7709\u4e4b\u6025\uff0c\u751a\u81f3\u5728\u65e0\u6cd5\u83b7\u5f97\u6b63\u89c4\u91d1\u878d\u516c\u53f8\u7684\u501f\u8d37\u4e4b\u4e0b\uff0c\u5411\u201c\u5927\u8033\u7abf\u201d\u501f\u9ad8\u5229\u8d37\u3002<\/p>\n

\u5927\u9a6c2013\u5e74\u7684\u5bb6\u5ead\u503a\u52a1\u662f8543\u4ebf\u4ee4\u5409\uff0c\u800c\u6bcf\u6708\u6536\u51653000\u4ee4\u5409\u4ee5\u4e0b\u5bb6\u5ead\u7684\u501f\u8d37\u5360\u636e\u4e8627%\u51712301\u4ebf7000\u4e07\u4ee4\u5409\u3002\u8fd9\u53ea\u80fd\u8bc1\u5b9e\u4f4e\u6536\u5165\u7fa4\u7684\u6536\u5165\u6839\u672c\u8ffd\u4e0d\u4e0a\u901a\u8d27\u81a8\u80c0\uff0c\u8feb\u4f7f\u5f88\u591a\u4eba\u5fc5\u987b\u4e3e\u503a\u5ea6\u65e5\uff0c\u4ee5\u7ef4\u6301\u4ed6\u4eec\u7684\u751f\u6d3b\u6c34\u5e73\u3002<\/p>\n

\u5f53\u56fd\u5bb6\u94f6\u884c\u628a\u8d2d\u7f6e\u623f\u4ea7\u7684\u6700\u9ad8\u8d37\u6b3e\u671f\u9650\u4ece45\u5e74\u8c03\u6574\u81f335\u5e74\u4e4b\u9645\uff0c\u8bd5\u95ee\uff0c\u6765\u81ea\u4f4e\u6536\u5165\u7fa4\u4f53\u7684\u9996\u8d2d\u4eba\u58eb\u6709\u80fd\u529b\u53bb\u627f\u62c5\u5417\uff1f\u8fd9\u79cd\u8c03\u6574\u65b9\u5f0f\uff0c\u53ea\u4f1a\u8ba9\u6bcf\u4e00\u671f\u7684\u623f\u8d37\u7f34\u6b3e\u989d\u589e\u52a0\uff0c\u4f7f\u4f4e\u6536\u5165\u65cf\u7fa4\u66f4\u96be\u7b26\u5408\u8d37\u6b3e\u8d44\u683c\u3002<\/p>\n

\u69df\u5dde\u653f\u5e9c\u9488\u5bf9\u4f4e\u6536\u5165\u7fa4\u4f53\u63a8\u4ecb\u4e86\u201c\u5171\u4eab\u62e5\u6709\u6743\u914d\u5957\u201c\uff0c\u8ba9\u4ed6\u4eec\u4e5f\u80fd\u62e5\u6709\u5c5e\u4e8e\u81ea\u5df1\u7684\u5ec9\u4ef7\u5c4b\u3002\u5728\u6b64\u914d\u5957\u4e4b\u4e0b\uff0c\u5dde\u653f\u5e9c\u5c06\u63d0\u4f9b30%\u514d\u606f\u8d37\u6b3e\u7ed9\u90a3\u4e9b\u8d2d\u5c4b\u8005\uff0c\u5269\u4e0b\u768470%\u7531\u4ed6\u4eec\u5411\u94f6\u884c\u8d37\u6b3e\uff0c\u53cc\u65b9\u5171\u4eab\u623f\u5c4b\u62e5\u6709\u6743\u3002<\/p>\n

\u5728\u5171\u4eab\u62e5\u6709\u6743\u914d\u5957\u4e0b\uff0c\u4e0a\u8ff0\u4ea7\u4e1a\u7531\u63d0\u4f9b30%\u514d\u606f\u8d37\u6b3e\u7684\u5dde\u653f\u5e9c\u53ca\u8d2d\u5c4b\u8005\u5171\u540c\u62e5\u6709\u3002\u6709\u4e86\u4e0a\u8ff030%\u7684\u514d\u606f\u8d37\u6b3e\uff0c\u4ed6\u4eec\u53ea\u9700\u8981\u8d37\u6b3e\u623f\u4ef7\u768470%\uff0c\u8fd9\u662f\u5927\u591a\u6570\u4eba\u90fd\u7b26\u5408\u8d44\u683c\u7684\u3002<\/p>\n

\u6797\u51a0\u82f1<\/p>\n","protected":false},"excerpt":{"rendered":"

Press Statement By Penang Chief Minister Lim Guan Eng In Penang On 12.4.2014. The Penang state government urges Bank Negara to reinstate Developer Interest Bearing Scheme(DIBS) for first-time buyers as well as increase and extend Syarikat Jaminan Kredit Perumahan(SJKP) to buyers of affordable homes costing from RM72,500 up to RM400,000. Ever since DIBS was abolished, …<\/p>\n

Bank Negara Should Reinstate Developer Interest Bearing Scheme(DIBS) To First-Time Buyers As Well As Increase And Extend Syarikat Jaminan Kredit Perumahan(SJKP) To Buyers Of Affordable Homes Costing From RM72,500 Up To RM 400,000.(en\/bm\/cn)<\/span> Read More »<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/posts\/4023"}],"collection":[{"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/comments?post=4023"}],"version-history":[{"count":4,"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/posts\/4023\/revisions"}],"predecessor-version":[{"id":4033,"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/posts\/4023\/revisions\/4033"}],"wp:attachment":[{"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/media?parent=4023"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/categories?post=4023"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/limguaneng.com\/index.php\/wp-json\/wp\/v2\/tags?post=4023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}