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老组屋屋价下滑 卖房收益恐不足归还公积金

by Yee Loon
06/09/2018
in 新闻
Reading Time: 1 min read
0

70 people turned up to support author of unemployment book at Bishan library.

一名民众在社交媒体分享观点,质疑自己在卖掉组屋后,为何归还到公积金户口的钱,还要加上过去累计至今的利率,即使加上卖房子收得收入,还要倒贴。

”最近,我收到公积金局的请求,要求我把售卖组屋所得,加上利率全数归还到我的公积金户口。“

我感到惊讶,询问该局职员,我已年届66岁,为何还要把钱还给公积金,他告诉我新的条规不限年龄。

加上累计利率后,结果我要归还给公积金的总额,竟然还多过我卖房子所得。

他们不止要回我从公积金拿出的50巴仙积蓄,还要加上过去二十年来的累计利率。为什么我自己的储蓄也要缴利息?在55岁时我已可领取公积金,为何还要我把钱归还回去?

这已让我陷入财务问题,更何况我还要用我的出去来偿还中介费、律师费、租金、搬运费等等各种琐碎费用。

似乎只有那些年龄超过55岁、卖掉房子的人,才被公积金局告知这项不合理的新规则。”

他希望能有更多人知道并留意这些“细节里的魔鬼”,特别是会影响到年长者卖房后的收益,导致没有足够的钱应付额外的开销。

买房公积金加上利率需归还

金融服务专业协会前主席梁实轩就回应上述民众,指出在现有公积金制度下,当你卖掉房子,你曾用掉的公积金数额加上累计利率,都要归还到你的公积金户口。

在55岁,全额退休储蓄(FRS)的最低储蓄定在17万1000元。超过此数额的其余公积金储蓄才可提取出来。

举例来说,如果你在65岁卖掉房子,你必须把全额退休储蓄加上过去十年累计的利率,全留在你的公积金户口。

如果你还买、或者已经拥有其他房子,你可以提出申请担保,这样全额退休储蓄的总额就减半。

但是梁实轩也提出隐忧:当前许多旧组屋(特别是超过40年以上的)价格正滑落,加上政府坦言99年屋契到期价值归零,组屋卖家的收益可能受影响,乃至没有足够的钱归还给到公积金户口。

值得注意的是,如果99年屋契到期,你已用在组屋上的公积金储蓄和现金,也会跟着打水漂。

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