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新加坡组屋:让中下层不当房奴Singapore group house: The lower level in letting is undeserved Fang Nu新加坡組屋:讓中下層不當房奴

2017年2月28日 - 凯发国际娱乐城

  新加坡是全球唯一一个民众拥屋率接近100%的国家,这也成了新加坡人留给世界的惊叹号。

  大学毕业5年内可买房

  隶属于新加坡国家发展部的建屋发展局,对新加坡老百姓来说,是一个再熟悉不过的地方。新加坡80%以上的居民居住在一种叫做“组屋”的高层套房式住宅里,而组屋的规划、建造、出售和定价,都由建屋局负责。在新加坡土生土长50多年的李先生半开玩笑地告诉记者:“老板是你的衣食父母,建屋局则是你的住房父母。”

  最近建屋局的一系列举动吸引了不少新加坡人的关注。先是放宽了公民申购组屋的收入限制——政府自8月16日起将购买新组屋者的家庭月收入顶限从8000新元提高到1万新元,这意味着会有更多的人有资格申请价格远低于市场房价的新组屋,或是在购买二手组屋时享受3到4万新元的购房补助。

  一般来说,如果是大学毕业生,月收入两三千,不是特别挑房的话,三年左右基本上都是可以买得起的。

  “买房子不需要手里有钱”

  之所以能这么快拥有自己的房子,多亏政府的政策保障。在新加坡,如果符合组屋申购条件,“买房子其实不会带来多大的经济压力,不需要准备很多钱”。

  值得关注的是,中央公积金制度是新加坡人购房的一大资金来源。新加坡自1968年就开始实施公积金购房的办法,目前的缴费金额为工资的35%左右,其中20%从职工工资中扣除,另外15%由雇佣单位缴纳。

  另外,扣完公积金后,剩下的房款由建屋局提供低息贷款,年息要比商业银行低三四个百分点。

  低息贷款是居民购房的又一经济保证。有了这三大资金支柱,难怪年轻的夫妇会觉得“买房很轻松”了。

  新房比二手房更便宜

  在新加坡,二手组屋通常要比新组屋昂贵许多。新组屋直接由建屋局卖给新加坡公民,价格由建屋局决定,由于建屋局不以赢利为目的,所以价格并不与市场挂钩。所以,组屋实际上相当于政府提供给公民的一种福利。

  据新加坡建屋局网站表示,超过80%的新加坡人都是政府组屋的受益者。不过,能买到什么地段,什么时候能买到,则需要靠运气:建屋局在分配组屋时,如果某一地段申购人数过多,则会采取抽签的方式。

  法律手段严惩投机

  如此大的实惠自然让购房者心动不已。不过,新加坡政府对组屋的申购、使用和转售规定了许多限制,福利的获取并不是无度的。

  首先是购买组屋的资格限制。组屋申请只限于公民家庭,家庭月收入要低于1万新元,高收入者不能申购,一个核心家庭只能拥有一套政府组屋。一个人一生只有两次购买组屋的机会,购买第一套组屋满一定年限才可以申请第二套政府组屋,以便小房换大房或大房换小房,但原有的组屋必须在购买第二套组屋半年内出售,等等。

  此外,政府对居民购买组屋的用途也有严格规定。居民购买组屋后必须入住,一段时间内不得整套出租或出售,否则会被处以高额罚款或者牢狱惩罚。每一位组屋购买者都需要向建屋局提供真实详细的资料,一旦发现虚报,将面临高达5000新元的罚款或6个月的监禁,严重者两者兼施,政府以此来警戒怀有牟利目的的骗购者。

  正是多样灵活的政府资助办法和严格的制度规则约束,才保证了新加坡“居者有其房”目标的实现:新加坡是全球唯一一个民众拥屋率接近100%的国家,这也成了新加坡人留给世界的惊叹号。 据《青年参考》



下面是吳翌群翻译所得
Singapore is the whole world exclusive a people embraces room rate to approach the state of 100% , this also became a Singaporean to leave the exclamation mark of the world.

College graduate can buy a house inside 5 years

Be subordinate to belongs to Singapore country to develop the bureau of the development that build house of the ministry, to Singapore common people, it is a place that has not been familiar with again. Singapore the dweller of 80% above lives in a kind to be called ” group house ” in residence of high-level flatlet type, and the program of group house, build, sell and fix a price, be in charge of by the bureau that build house. In Singapore local born and bred 50 old Mr Li gentlemen tell a reporter banteringly: “The boss is parents of your back and belly, the bureau that build house is your housing parents. The bureau that build house is your housing parents..

A series of move that propose house bureau recently drew the attention of many Singaporeans. Was to relax first citizen explain the income that buys group house is restricted — the top of domestic month income of the person that the government will buy new group house since August 16 is restricted from 8000 new yuan rise 10 thousand new yuan, this is meant can have more people qualified application price is far the new group house under market room price, or it is to be being bought secondhand enjoy when group house 3 to 40 thousand new yuan the allowance that buy a house.

Generally speaking, if be college graduate, lunar income two 3000, not be special if raising a house, basically can can afford 3 or so years.

“Buy a house not to need there is money in the hand “

Can own oneself building so quickly, thanks to policy safeguard of the government. In Singapore, if accord with group house explain buy a condition, “Buy a house to won’t bring how old economy pressure actually, do not need to plan a lot of fund ” .

Those who deserve attention is, system of central accumulation fund is the source of one big fund that the Singaporean buys a house. Singapore begins to carry out accumulation fund to buy the way of the room from 1968, current pay expends amount to be salary 35% the left and right sides, among them 20% deduct from inside worker pay, additionally 15% by service unit pay.

Additional, after buckling accumulation fund, the house money that leave provides low interest loan by the bureau that build house, annual interest should compare a commercial bank low 34 percent.

Low interest loan is the dweller buys the another economy of the room to assure. Had mainstay of this 3 big fund, pardonable and young couple can feel ” buy a house very relaxed ” .

Bridal chamber comparing is secondhand the house is cheaper

In Singapore, secondhand group house should compare new group house normally costly a lot of. New group house sells Singapore the citizen by the bureau that build house directly, the price is decided by the bureau that build house, because build house bureau to not be a purpose with gain, so the price not with market link up with. So, group house is equivalent to a government offerring a kind of welfare of the citizen actually.

According to Singapore website of the bureau that build house expresses, the Singaporean of more than 80% is the person be benefited of governmental group house. Nevertheless, can buy what a sector of an area, when can buy, need to lean lot: When the bureau that build house is allocating group house, if some a sector of an area explain buy a number overmuch, can take the kind of ballot.

Legal measure punishs severely a spec

The person that so big substantial nature lets buy a house is enchanted unceasingly. Nevertheless, singapore government is right of group house explain buy, use and resale set a lot of restriction, of welfare getting is not excessive.

It is the qualificatory limitation that buys group house above all. Group house applies for a family of citizen of be confined to, domestic month income wants under 10 thousand new yuan, good-paying person cannot explain buy, family of a core can have house of group of a government only. One individual lifetime buys the opportunity of group house twice only, buy house of the first group full particular fixed number of year just can apply for house of group of the 2nd government, so that Xiaofang changes big house or big house to change Xiaofang, but original group house is buying house of the 2nd group sell inside half an year, etc.

In addition, the government buys the utility of group house to also have strict regulation to the dweller. After the dweller buys group house, must enter, a complete set of is not gotten to rent inside period of time or sell, can be in otherwise fine with high specified number or bagnio penalty. Each group house purchaser need to provide true and detailed data to the bureau that build house, once discover make a false report, will be faced with be as high as 5000 new yuan amerce or 6 lunar imprisonment, serious person both hold concurrently apply, the government comes with this alert is had seek profit of the purpose cheat the person that buy.

Just about diversiform and agile government aids financially method and strict system regulation to restrain, just assured Singapore ” the person that reside has its house ” the implementation of the target: Singapore is the whole world exclusive a people embraces room rate to approach the state of 100% , this also became a Singaporean to leave the exclamation mark of the world. According to ” the youth is referenced “



下面是孙阳翻译所得
  新加坡是全球唯一一個民眾擁屋率接近100%的國傢,這也成瞭新加坡人留給世界的驚嘆號。

  大學畢業5年內可買房

  隸屬於新加坡國傢發展部的建屋發展局,對新加坡老百姓來說,是一個再熟悉不過的地方。新加坡80%以上的居民居住在一種叫做“組屋”的高層套房式住宅裡,而組屋的規劃、建造、出售和定價,都由建屋局負責。在新加坡土生土長50多年的李先生半開玩笑地告訴記者:“老板是你的衣食父母,建屋局則是你的住房父母。”

  最近建屋局的一系列舉動吸引瞭不少新加坡人的關註。先是放寬瞭公民申購組屋的收入限制——政府自8月16日起將購買新組屋者的傢庭月收入頂限從8000新元提高到1萬新元,這意味著會有更多的人有資格申請價格遠低於市場房價的新組屋,或是在購買二手組屋時享受3到4萬新元的購房補助。

  一般來說,如果是大學畢業生,月收入兩三千,不是特別挑房的話,三年左右基本上都是可以買得起的。

  “買房子不需要手裡有錢”

  之所以能這麼快擁有自己的房子,多虧政府的政策保障。在新加坡,如果符合組屋申購條件,“買房子其實不會帶來多大的經濟壓力,不需要準備很多錢”。

  值得關註的是,中央公積金制度是新加坡人購房的一大資金來源。新加坡自1968年就開始實施公積金購房的辦法,目前的繳費金額為工資的35%左右,其中20%從職工工資中扣除,另外15%由雇傭單位繳納。

  另外,扣完公積金後,剩下的房款由建屋局提供低息貸款,年息要比商業銀行低三四個百分點。

  低息貸款是居民購房的又一經濟保證。有瞭這三大資金支柱,難怪年輕的夫婦會覺得“買房很輕松”瞭。

  新房比二手房更便宜

  在新加坡,二手組屋通常要比新組屋昂貴許多。新組屋直接由建屋局賣給新加坡公民,價格由建屋局決定,由於建屋局不以贏利為目的,所以價格並不與市場掛鉤。所以,組屋實際上相當於政府提供給公民的一種福利。

  據新加坡建屋局網站表示,超過80%的新加坡人都是政府組屋的受益者。不過,能買到什麼地段,什麼時候能買到,則需要靠運氣:建屋局在分配組屋時,如果某一地段申購人數過多,則會采取抽簽的方式。

  法律手段嚴懲投機

  如此大的實惠自然讓購房者心動不已。不過,新加坡政府對組屋的申購、使用和轉售規定瞭許多限制,福利的獲取並不是無度的。

  首先是購買組屋的資格限制。組屋申請隻限於公民傢庭,傢庭月收入要低於1萬新元,高收入者不能申購,一個核心傢庭隻能擁有一套政府組屋。一個人一生隻有兩次購買組屋的機會,購買第一套組屋滿一定年限才可以申請第二套政府組屋,以便小房換大房或大房換小房,但原有的組屋必須在購買第二套組屋半年內出售,等等。

  此外,政府對居民購買組屋的用途也有嚴格規定。居民購買組屋後必須入住,一段時間內不得整套出租或出售,否則會被處以高額罰款或者牢獄懲罰。每一位組屋購買者都需要向建屋局提供真實詳細的資料,一旦發現虛報,將面臨高達5000新元的罰款或6個月的監禁,嚴重者兩者兼施,政府以此來警戒懷有牟利目的的騙購者。

  正是多樣靈活的政府資助辦法和嚴格的制度規則約束,才保證瞭新加坡“居者有其房”目標的實現:新加坡是全球唯一一個民眾擁屋率接近100%的國傢,這也成瞭新加坡人留給世界的驚嘆號。 據《青年參考》

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