Tuesday, 26 September 2023

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与父母联名拥屋 若除名需填补回公积金户头

人力部长杨莉明前日(6日)书面答复宏茂桥议员殷丹的提问,指成年子女与父母联名买公共组屋,如要从共同拥屋权除名,那么买屋用的公积金存款就必须连本带利填补回户头。

她指为了确保会员们有充足退休金不受影响,所以会员们出售组屋时,都被要求购屋用的公积金存款,需连本带利填补回户头。

该政策也适用于那些与父母联名购屋的子女,这是因为他们一旦从共同拥屋权除名,就等同于“售屋”。

杨莉明指出,当局发现许多公积金会员申请拥屋权转让,是因为要和新婚伴侣合买组屋。

“对于这类个案,会员可先办理拥屋权转让手续,在取得新组屋的半年后,才开始公积金填补。”如果会员买的是预购(BTO)组屋,还可以延长数年。

她解释,填补回会员户头的公积金存款,也可用来偿还新组屋。会员可透过父母公积金储蓄填补,或申请建屋局和银行的贷款。

议员质询是否可弹性批准让子女豁免填补

殷丹是询问人力部长,过去五年有多少我国成年子女,在除名和父母联名的组屋时申请豁免公积金填补,以及公积金局会否考虑检讨政策,让这些子女有更多弹性,以选择让父母豁免全额填补。

过去五年,公积金局平均每年接到200份,希望在转让拥屋权时豁免公积金填补的申请。

她补充,如会员无法如期填补,公积金局和建屋局会根据他们家庭的特定枪口,和他们商讨其他选项,例如亲友是否能接受共有组屋的份额,或父母是否同意在经济许可下“大屋换小屋”。

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