Singapore ensuring people housing subsidies group home building

KaiLan words
Live in somewhat, it is people's basic desire, ancient and modern, Chinese and foreign, GaiMoNengWai. Establish housing guarantee system, to realize the dream of low-income people live, also be many countries and regions have to face the generality of the problem. In the main responsibility, the financing channels, distribution policy, supervision and supervision, countries are all involved in a exploration.
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For more than 40 years ago of Singapore, has been described as a "big slums". National university of Singapore, senior researcher dr YangMu east Asia in accepting our newspaper reporter to interview, Singapore prime minister lee kuan yew then thought, housing is common people's largest property, common people have a real estate, share in the benefits of economic development, countries have the stable foundation. This is discount nfl jerseys the implementation of the system of the housing estates important consideration.
YangMu said, flats covered 82% of Singapore's residents, 80% of the residents have the ownership of the house group, 2% of the residents of rented rooms, and the basic realized the "everyone has the room can house".
To ensure that people can afford afford
The housing estates have three funds "inlet" : the government investment, the bank loans and common people pay their own way. Purchaser can in the basis of accumulation fund loan to the bank again.
As early as in 1955, Singapore have established the central reserve fund system, regulations, employers and employees must take the employee's salary for base, according to the legal accumulation fund to pay rate, keeping money in the central reserve fund innings of the individual account, used for retirement, housing, health care and education, etc. Ordinary citizens are generally use accumulation fund to purchase or repay mortgages.
Group for construction of preferential loans and enjoy the government subsidies, the same commodity house price is low 50%-70%. Reporters in a village in an interview in the know, this village a set of indoor use area of about 110 square meters of three two rooms one hall of defended flats, according to floors factors, sells for more than 60 to 800000 Singapore dollars ($1 $s $1.2), about the equivalent of a middle-income families, income 10 years.
2010 Singapore for national income per head of s $57000, ordinary citizens to buy flats economic pressure is not great. A Singapore scholars think, group house system is a form of redistribution, the country will house as a public products to offer to each and every one of the residents.
The reporters a surname of CAI group house master two years ago have purchased a three rooms one hall of flats, each month pay s $2300 loan, mortgage for 30 years, the right to use the house for 99 years. She pay the house money that is two years ago when house prices explain buy group, for of s $720000, and now this is about the market value of the housing estates of s $850000. CAI, says ms in Singapore, with hard work, no matter what is engaged in professional, the government can ensure people can afford a house. Meet the conditions of the residents still can apply for family income according to different offer some preferential loans. Many low-income family can also enjoy to include flats incidental expenses, water, and electricity, and other aspects of the subsidies.
Group house types satisfy many choices
Singapore government to group house construction to give "special care", the HDB budget be incorporated in the state plan. Build flats could be obtained gratis government transfer of the land, and private estate business can only obtain the land use right is paid. If the HDB budget for build flats and budget, the government will also try to grant allowance.
Singapore government not only USES part of the reserve accumulation fund, in the form of preferential loans and subsidies into HDB, improve the HDB flats construction level and scale, for many years has also been a budget increase for low-income family buy flats of subsidy. At present the low-income family for the first time homebuyers won the BuTieE has reached of s $40000. And according to budget for this year of new subsidy scheme, the amount will also increase, and especially used to help month income below a s $2250 the family to buy flats.
Singapore citizen new purchase flats five years not to sell, full five years later by market price can be sold. The government regulations Singapore has two citizens the opportunity to explain buy HDB flats for family income increases with the increase of population or buy a larger group of house, but the second home buyers will not have the priority of choose and buy. The same family can't have at the same time of two sets of flats, the government of single parent families buy flats review also are quite strict.
The early group house are mostly small family. In the 1980 s, as people increasingly rich, small family unpopular. The HDB began to build more four room, five room and more apartment-style flats. By the 1990 s, economic growth appear ups and downs, the housing bureau was restored in 2004 to build 3 rooms the housing estates, and then again in 2006 started to build two rooms flats. These flats type for low-income families not only to meet the income level of choice, also for some old house advocate in the may provide the house. The old man on the children out of, can put the original big sell the house, in the small point of living room, sold the money can be used to support costs. If someone because work changes or unemployment and can not afford to pay group house loan, the government will also help to adjust the housing estates, for example, will existing flats sell and change to a smaller area of flats.
Find out YanFa profit will be
Singapore is management to group house is very strict careful regulation, any damage or using the housing estates to profit from the housing estates, once found, will be YanFa. For example, group house rent must register, according to the rules, tax, such as who rent, not only to find out the after a fine, heavy then also will be back flats. A study in Singapore Chinese students tell our reporter, she had rented housing estates around, all is enrolled. She also said, a lot of Singapore in a married after their children out of the old man, often will their own group in the house rent rooms to compensate their living expenses. In what she rented area, a set of 120 square meters of flats, each month pay property fee of about 40 proterozoic in local are small in spending. If the house, replace or increase facilities, will the owner share of the expenses, by everyone to vote. Usually, 75% through, he can perform.
YangMu think, Singapore's house there are many different aspects of the system is worth used for reference by China. For example, the group can be built at the beginning of the house small some, one room or two rooms one hall, 40 square meters to 60 square metre, Then with development, and then gradually started to build larger group of house. Earlier bought group house family if higher income, can sell old buy new; Be like again, residents from the government subsidies to buy flats for only one case, and every family can only buy a group of house. But has the right to purchase flats of admittance threshold is low, family income in of s $10000 the following. At present, the house purchase group directly apply for the purchase of the house, the lowest earners month income is less than of s $1500, and enjoy certain subsidies.
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