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白表免補價購居屋

 

白表居屋有得抽而就有得買,係時間將之前係homeblogger中7月4 日po過之文再update推出

go here 咩係居屋?

居屋係政府推出既居者有其屋計劃,專為 source url 公屋戶購買自住物業而設。原意係為公屋戶提供一個上流機會,用低於市價買樓成為業主之餘,政府又可盡量減省公屋支出,兩者皆有得益。房署對住夠十年既住戶每兩年抽樣審查資產,可惜政府對於公屋戶既資產審查未及嚴格,住戶用盡方法隱藏資產。另有批公屋居民住左就唔想走,交市值雙倍租金留係原本自己間風水公屋,令社會多了批「公屋富戶」。於是真正有需要既人要上公屋真係遙遙無期。至於居屋,係政府安排比公屋居民上流既下一站,一般比同區私樓平三至四成,但係買左要放出去就難D,炒作不宜。

Метамфетамин первитин 點先住到居屋?

住居屋要填表申請,下次有樓出就會抽人去睇樓。填既表分白同綠色。原有公屋戶主要填綠色,拆出公屋戶籍或私樓居民可填白色。無論你咩色,都要合符入息上限資格,每次有居屋抽房署都會再公佈。約為一人戶$20000(資產不過0.41mil),兩人$40000(資產不過0.8mil)。當然,你貴為業主政府一定係填土廳查到你出黎冇得抽居屋!

咩係5000個一年抽居屋?

如果你係白表,有排都未等到買居屋既機會。因上任特首好少起新居屋,而白表又常排係綠表之後。到梁特首推新政,就係每年分兩次抽五千個人出黎,可以唔使補地價咁周圍全港選購居屋(當然要有人放盤比你)

而家後生一批都係白表居多,佢地只不過住係公屋而唔係戶主。每次抽5000人出黎,比你就咁去任何居屋屋苑唔駛補地價就買間樓。以屯門方便居屋兆麟苑為例,唔使地價買間五百呎既兩房都係130-150萬,希望幫到令年青一代

我「老豆」住公屋,我係白定綠?

先講綠表,佢係比現有公屋戶主既資格。有些人如房署識員都可能獲授此資格。如果你父母係公屋戶主,佢地再買居屋可用綠表,如抽中可不用補地價買居屋及必須交回所住公屋。你自己只不過同戶主(父母)同住,想買居屋要填白表,分別係抽4份綠表先約有1份白表被抽出,所以白表係慢隊,綠表當然快因為政府可以快手收番間公屋租比有需要既人。

點解電視機成日講班後生仔單拖去申請公屋

是的,你夠18歲後只要入息(一人$9200,兩人$14000)少過上限就可申請單人公屋。單人公屋係93年後政府先開始起,百幾呎左右。位置多於天水圍、太和、東涌。通常班後生仔就算上到樓都未必長住係度,霸住間屋都係為自己第時用綠表排快隊抽居屋鋪路。上樓快慢係有計分制,18歲0分,大一年19歲+3分如此類推。原公屋住戶因已享政府福利會先倒扣30分,通常你預排6-7年啦! 想睇下電視機幾時有講? 請留意筆者下一篇文章,有Mr.張炳良係video同你講居屋!

一個人點先可以排公屋快D?

團結就是力量,後生仔搭個冇入息既老人家申請孖人屋係perfect-match!

咩叫分戶?

分戶即原有公屋居屋,分支另一個家庭出黎去入住新一間公屋,通常房署係唔允許既。但係而家香港多左批新移民,過埠新娘又話一齊住有家庭問題,所以多左運用酌情權分戶既case。另外四人家庭聚左新抱生埋仔變六人,新抱好多時會搵個社工攪分戶,話自己有精神病再同奶奶住落去會出事等等。有「專業」既社工專門同人攪呢類申請。分左戶之後,六人家庭可以更有效咁去蠶食政府資源啦。

 

對我有咩影響?

如果你係白表輪侯者,當然好消息。但係現有私樓價錢太貴,居屋住客放左間未補地價既居屋都買唔到間更大或更好既私樓。在市場參與者突增,供應只多些少既情況下,居屋價錢會比人炒起,兆康苑係2012年首季升幅大大拋離中原城市指數,自有其原因。既然政府提供左誘因比第一批人買上車樓之後,何不起多些少居屋大單位而價錢界乎三百萬既多房單位比賣左居屋既業主換樓呢? 你唔使猛咁起細單位,其實搬走班現有兩房居屋業主出黎都可提供上車盤,更可減低因猛咁起限呎細單位而引致既市場失衡。

為置業者貫通由居屋至私樓既階梯,本來係房協既工作。可惜該機構為求自保,近來新項目如喜雅已漸商業化。係不全面既政策下,受害既又係一班比較窮而上唔到會既人仕或冇樓揸手既睇單邊參與者。推升居屋而令整體樓價上升令佢地置業更冇望,不過呢個劇情發展正符合政府「製造貧富懸殊」、「好心做壞事」既一貫手法。對於政策執行而帶出既一炮過升幅,實在可垂手以待之。


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