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国家发展部:剩余屋契年限让买主住到95岁 可动用公积金

by Yee Loon
10/05/2019
in 地产, 新闻, 时事, 财经, 退休
Reading Time: 3 mins read
0

根据国家发展部昨日(5月9日)发表的文告,指动用中央公积金存款申请公共组屋房贷的政策已更新,未来只要相关组屋能让买主住到至少95岁,即可动用公积金普通户头存款支付至估价顶限(valuation limit)。该政策从今日生效。

此前,要动用公积金买房,若屋契少于60年,屋契期限必须让最年轻买家足以居住到80岁,才可动用公积金,但可动用的金额会受限在估价顶限的一定比率;如果屋契少过30年,买家则不能动用公积金买房。

国家发展部在文告中指出,这项调整政策也考量到国人寿命增长,确保国人晚年住房需要能满足。该部相信大部分屋主都不受此调整影响,因为他们购买的房产屋契可以维持到他们95岁。

新条例下,房子屋契需至少20年以上,但只要让买主住到95岁,仍可可动用公积金买房。而40-50岁买家群体,在购买高屋龄房子时,可动用较多公积金积蓄。

若剩余屋契期限不足以让买家住到95岁,可动用的公积金存款比例,取决于屋契期限和买家年龄。

至于可动用公积金的最低屋契年限,则从过去的30年调整至至少20年。

此外,拥屋者满55岁时,领取公积金存款的条件也将调整。房产剩余屋契必须能让屋主住到95岁,屋主才能领出扣除公积金退休户头基本存款额的剩余款项。

在这之前,只要屋契剩下超过30年,会员就能领取扣除基本存款(BRS)额的剩余款项。

国家发展部认为,上述调整让买房者提供较大灵活度,买到终身家园同时也保障充足的退休生活。

范例:若剩余屋契期限不足让买家住到95岁:

买家年龄

25岁

房屋类型

四房式重售组屋

屋契剩余65年(到买家90岁就到期)

市价

43万元

在调整后的政策后,可动用的公积金顶限约为38万7000元

2019年5月10日前

2019年5月10日生效后

可动用公积金顶限

100巴仙估价顶限

(43万元)

90巴仙估价顶限

(38万7000元)

建屋局组屋贷款

屋价的90巴仙

81巴仙(约为34万8300元)

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