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To solve the problem strongly, we may need to have more courage to re -examine our definition of basic principles such as "affordable" and "can", and discuss subversive discussions with an open mindset.

"Why not stipulate that the owner of the HDB house was sold at the price of the government to buy a house? Use the government's allowance to make huge benefits, should this be accepted?"

Recently, I have the opportunity to participate in courses sponsored by external institutions, covering diverse issues, including housing policies.In group discussions, a university professor threw the above problems, and the original warm discussion paused instantly.

The first idea of the first pop -up in my mind was "too extreme".But the principles raised by the professor are worthy of thinking: Is it reasonable to get a tool for personal profits?

After the government introduced real estate cooling measures in September last year, the growth rate of local housing resolving prices slowed to 2.3 % in the last quarter.But only three months later, the market seemed to be "unable to suppress."The latest estimated data from real estate websites 99.CO and Singapore Real Estate Joint Transaction Network SRX shows that the overall group housing resale price rebounded in January this year, up 1.4 %; the number of millions of house trading in January alone reached 40Essence

Although units with more than 1 million yuan of transactions only account for 1.5 % of the overall transaction volume in January in January, the seven -digit house transactions are inevitably provoked at the moment when the high global economic prospects are rising and the global economic prospects are unclear.People's nerves.

No matter how much data the government has moved out, it proves that Singapore's Gini Coefficient has dropped to the low point of nearly 20 years after the government aid.Anxiety.

Of course, house prices are high or low.When most people buy a house, they will appeal to the house price too high, but when they are out of sale, they silently pray that the hotter in the real estate market, the better.It is impossible to formulate a plan to meet everyone, and to dispatch the price of the new house and the market for sale markets.However, we must ensure the fundamental principle of public housing policies -affordable and availability.

What is the standard for burden?The government has provided many data in the recent Congress debate, including 90%of the new group buyers in non -mature cities and towns, only 9%of the monthly income of 25%or less, and 80%of the mature house town.From the perspective of income ratio, the pre -ordering group in non -mature areas remains four to five times the annual income of the family, which means that the homeowner can use the total family income of four or five years to buy the house, which is far lower than London, Los Angeles and Sydney.Eight to 15 times.

Singapore's house prices will be more affordable than other cities. Naturally, it is a good thing, but it is not the same as Singaporeans.

Mortgage loans account for only 25 % of the monthly income of the household. Although it means that most people's monthly provident fund payment is sufficient to bear the mortgage, it is not necessary to use or only use some cash, but the loan period is 25 years.In other words, the young couple who bought a house 30 -year -old had to empty the housing loan of ordinary account deposits every month until the age of 55.

Of course, the above assumptions did not take into account the promotion and salary increase of the couple in 25 years.If the future is similar, the income is doubled, and there is no need to worry about it, but if the industry's salary increase is limited, the retired deposit of the provident fund in the future may not be so sufficient.

According to the resale price index of the HDB House House, the transfer price of the HDB rose 38 % between 2017 and 2022.The overall price of the pre -order group does not have a related index for spying trend.Because of the government allowance, the overall price increase of the new house is believed to be as amazing as the resale group, but the prices of some high -quality projects have indeed been explored again and again.For example, in August last year, the pre -order group project was launched at the Hongmao Bridge Center. The most expensive five -bedroom unit price was nearly 880,000 yuan, and the cheapest four -bedroom style was 535,000 yuan.

You can look back at the actual mid -month number of residents who are hired by residents. Between 2017 and 2022, it was adjusted by only 2.9 %.

Hongmao Bridge near the urban area, units in remote areas are expensive.The people also have the responsibility of buying a house in accordance with their financial ability.However, if house prices continue to rise due to market strength and surpass the income increase in the people, and in order to fair, the government is unwilling to increase the allowance of high -quality projects.

The Golden List House Model launched by the government earlier provides more allowances for the Golden Land House, and setting more conditions for the resale of such groups is a good attempt.The scope of coverage is very limited.

The people's anxiety about house prices is true.The government's public housing policy is indeed constantly updated, but to solve the problem strongly, we may also need to have more courage to re -examine our definition of basic principles such as "affordable", "can", and in an open mentality, and open -minded attitudeDiscuss subversive discussions.

(the author is the second director of United Morning News International News [email protected])