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考量体弱者应对医疗开销 读者吁屋契回购计划应更弹性化

by Yee Loon
18/09/2018
in 新闻
Reading Time: 1 min read
0

建屋发展局处长(分局运作)林丽丽,于本月17日在《海峡时报》回应一读者观点,重申符合屋契回购计划(LBS)的年龄为65岁,不过该局将检讨让年龄标准更为弹性化,特别是让那些面对健康和财务问题的群体能受惠。

事缘一名读者撰写评论,提出屋契回购计划应该对乐龄群体更为亲善些。

名为郑春斐(译音)的民众,提出老一辈许多夫妇,丈夫多年长于妻子,假设丈夫已65岁,但是妻子才53岁,夫妇俩都不能参与屋契回购计划。

“直到妻子也迈入65岁,两人才符合资格,这时丈夫都已经77岁了。”只要丈夫与妻子间年龄差距越大,其中一人能透过屋契回购,享有退休福利的时间就越短。

体弱年长者面对医疗和生活双负担

为此,他建议有关计划的合格条件应更弹性些,特别是有者也因为健康原因提早退休,是否也能够让他们善用计划来保障退休后的收入?特别是他们还要面对医疗和生活开销的双负担?

同时,郑春斐也质疑,为何透过售卖屋契的所得,非得注入公积金退休户口不可?

这让年长者的财务管理选择不多,一些年长者公积金户口本本就没有多少储蓄、且急需现钱用在医疗和退休生活开销。

“屋契回购计划的设定,应让年长者获得更实质的帮助,让他们拥有可支配收入。”

该读者也提出,建屋局并没有阐明,在出售部分屋契后,屋主是否还能出租整间房子,如此屋主可以和子女一起居住,又能从房租中获取额外收入。

对此,林丽丽强调,屋契回购计划让年长者,可回售组屋部分屋契给政府,藉此为退休生活换取稳定、持续的收入。

回售组屋的所得, 将注入公积金退休户口,以参与终身入息计划,每月领取入息。

民众在回售屋契的所得,都必须先填满公积金户头的全额退休储蓄额(17万1000元),确保未来民众能够获得足够派息应付基础生活开销。

“必须填补公积金的规定,是为了让退休年金收益和现金收益之间取得平衡,”而把屋契回购计划的年龄条件定在65岁,也让参与者能够直接从公积金派息受惠。

 

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