有没有大神来分析下 总理讲话对金文泰的老组屋是利好还是利空呢？

为啥啊我家46岁了

不要说我打击楼层

46还年轻，而且现在政府的发展还在新区那边和各种地方的BTO，要等到没地方盖了，才会回头看老房子

居然还有利空的想法??

哈哈哈哈哈哈哈层主太淘气了

利空兜底都看到了

回归理性过去有太多非理性的认知。
两个极端
1. 有人认为，老组屋重建，政府会免费给套新的。比如老组屋剩30年了，政府给同样位置，同样大小，99年新组屋？
2. 有人认为，组屋会一直到99年到期，0价值收回土地。

个人感觉，持第一种极端看法的人似乎比较多，那么老组屋大概率被高估了吧。。。

应该是需要屋主出一部分重建费或是拿一部分补贴…不管是哪种总比99年到期价值为零都要好

狮城帮上不是持第二种看法的多么不管怎样 总比99年公寓 多了一个承诺

层主打算卖组屋吗？我最近有了卖组屋的想法，感觉7%的ABSD白交了，只能当交学费了。

99年公寓只有一个承诺就是随时可以买卖，不用建屋局点头。
自己的事情自己做主，就这个承诺够不够？

请详解组屋的租金回报应该是稳定的收入来源啊

没事我给了10% 你会不会觉得好受点？

当然可以自己买卖只怕老了卖不动吧。。这里难道不是讨论保留到最后的意义么

政府公布的99年地契贬值曲线 同样适用于99年地契的私人公寓和HDB

从图表可知,　地契贬值并不是线性贬值,　而是一条曲线.　前期贬值幅度很小,　后期逐渐加速.

当地契还有20年的时候,　 地契价值还保留48%.这时候政府回收地皮,　屋主还是可以拿回不少钱的.　

所以新政策得以实施的话,　确实造福普通百姓.　 好过等到地契到期价值归零.　

接下来的问题就是具体政策实施细节了.　　

URL:　

https://www.sla.gov.sg/Portals/0/Services/Land%20Lease%20Conditions/DP%20policy%20wef%2031%20Jul%202000.pdf

那么下一套打算给15%的ABSD吗？觉得这ABSD越来越不靠谱了...本来想的政府会减少公民的ABSD来着...

还是以后不建议买房子了呢？还是应该卖掉组屋控制手里永远只有1-2套房产？还是应该等崩盘以后政府取消ABSD?

某著名propnex中介说组屋拿在手里是负资产，层主同意吗？

如果想炒房那肯定要卖掉组屋以免绑手脚

问题是如果连两点水都不炒的话我下不了炒房的决心，宁肯老是收房租

最新消息

SINGAPORE — The Lease Buyback Scheme (LBS) for Housing and Development Board (HDB) flats will be extended to cover five-room units and larger ones, said National Development Minister Lawrence Wong, as the Government announced concrete moves to help seniors unlock the value of their flats for retirement.

The authorities are also looking to review and update the rules so as to allow buyers to use more of their Central Provident Fund (CPF) savings to purchase older flats.

In a blog post on Monday (Aug 20), the minister referred to Prime Minister Lee Hsien Loong’s National Day Rally speech the night before, during which Mr Lee sketched out plans to systematically upgrade older HDB flats, and progressively renew and rebuild older HDB towns.

“These are long-term plans which will be implemented over several decades. Meanwhile, MND will be making several shorter-term moves to help seniors unlock the value of their HDB flats for retirement,” said Mr Wong, who heads the Ministry of National Development (MND).　

Mr Wong said the LBS is a “good scheme” but it applies only to those living in four-room or smaller HDB flats.

Under the LBS, elderly homeowners can sell part of the tail end of the leases of their HDB flats to the Government for income.

The original rational for confining the scheme to four-room or smaller HDB flats was because the Government thought it would make more sense for those living in bigger flats to right-size and move into smaller units, he noted.

“But there are seniors who prefer to age in place. Some also have grandchildren who come over to visit regularly, and would like a bigger space for the extended family,” he said.

“After considering the matter carefully, I have decided to extend the LBS to all HDB flats, including five-room and larger flats. This will enable many more Singaporeans to benefit from the scheme.”

The minister noted that many seniors currently choose to rent out a spare bedroom for extra income.

Others prefer to sell their existing flats, right-size to smaller units, and enjoy the Silver Housing Bonus (SHB), he said. The SHB was introduced to help lower-income elderly household supplement their retirement income when they purchase a smaller unit.

To facilitate right-sizing, the Ministry of National Development (MND) is also looking at ways to improve the liquidity of the resale market for older flats, he added.

He said that CPF savings can currently be used to purchase older HDB flats. But this is subject to certain restrictions.

“These rules are meant to ensure that buyers purchase a home for life, without compromising their retirement savings.”

Noting that there is scope to provide more flexibility for buyers of shorter-lease flats while safeguarding their retirement adequacy, Mr Wong added that MND is working with the CPF Board to review and update the rules.

He added: “The Government is making significant moves on housing to prepare for the future responsibly.”

He said that these moves are the result of many months of intensive study by MND and HDB. The agencies have also been gathering feedback and views from Singaporeans, he said.

“We have provided a broad outline of the key changes over the coming years and decades. Much work still lies ahead to flesh out the policies and work through the implementation details,” said Mr Wong.

“We will continue to engage and consult Singaporeans in this process, to pool our ideas, and translate the plans into reality.”

https://www.todayonline.com/

所以意思是不要持有到最后吧不管99公寓还是组屋，都适合买新的，在加速贬值前卖掉。
由于贷款年龄限制，还有年轻时候钱不够，真正可以投资多套房的年龄介于30到50岁。再考虑中年危机上有病老下有补习众多的孩子们，黄金投资房产时间不过是35到45之间。
组屋撇开BTO不说，五年MOP，以及保留组屋买公寓交的ABSD就成为了硬伤。所以趁年轻，后顾之忧比较少的时候，放弃组屋，瞄准比较新的公寓进场。等老了，拿不了贷款，风险承受能力变小了，再换成全款新组屋和现金退休。那时候房子大概二三十年屋龄，卖掉起码不会太亏。
一辈子住新房，住方便的房子，起码比住老房子，地理位置较差的freehold要舒服得多，新房没进入加速贬值周期，所以也比较保值。

负资产不至于但是有兴趣投资 肯定不能留组屋的

少壮不折腾老大徒伤悲

我是在想应该折腾哪里罢了感觉中国机会越来越少，可是相比之下还是好过新加坡