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Lease Buyback Scheme (LBS) is a monetisation option introduced by Singapore to help elderly households in three-room or smaller flats unlock their housing equity to meet their retirement needs. It was announced by Singapore’s Minister for National Development, Mah Bow Tan, in Parliament on 6 Feb 2009, and the Housing and Development Board (HDB) has started accepting applications for LBS from 1 Mar 2009.〔(【引用サイトリンク】 title=HDB to accept applications for Lease Buyback Scheme from Mar 1 )〕 The scheme underwent a review, following Singapore's Deputy Prime Minister and Minister for Finance and Manpower, Mr Tharman Shanmugaratnam announcement on 17 Feb 2012.〔(【引用サイトリンク】 title=Budget Speech 2012 )〕 The (enhanced LBS ) was announced on 27 December 2012, under which, eligible elderly households will receive a $20,000 LBS bonus when they sell the tail-end lease of their 3-room or smaller flats to HDB and use their net proceeds to top up their CPF Retirement Account (RAs) to the specified top-up requirements. Further revisions to the scheme were announced on 3 Sep 2014, and took effect from 1 April 2015.〔(【引用サイトリンク】 title=Revisions to the Enhanced Lease Buyback Scheme )〕 This is in addition to the value of the housing equity unlocked from the shorter lease. 〔(【引用サイトリンク】 title=Silver Housing Bonus and Lease Buyback Scheme made more Attractive for Elderly )〕 The household will receive the full bonus so long as the total top-up to their RAs is $60,000 or more. A maximum of $100,000 of the excess proceeds can be withdrawn in cash, after topping up the RAs to the specified requirements. Any amount in excess of $100,000 will be used to help the person with the lower RA balance meet the prevailing Minimum Sum. They will be able to use their full RA savings to buy a CPF LIFE plan if they have at least $40,000 (if below age 65) or $60,000 (if aged 65 to 79) in their RA after the top-up. This will enable the elderly couple to have a monthly stream of income for life. ==Advantages== The LBS is designed to let elderly residents to age in place comfortably. They can continue to stay in their flats, in the same familiar environment and community that they have grown accustomed to. Besides, they will have a steady source of monthly income for the rest of their life. This is particularly helpful to low-income elderly households of smaller flats who are unable to take advantage of other monetisation options, e.g. right-sizing to a smaller flat elsewhere, or renting out the flat.〔(【引用サイトリンク】 title=Lease buyback: A mindset issue )〕 Together with the enhanced LBS, a Silver Housing Bonus was also introduced, to help lower-income elderly households supplement their retirement income. When they right-size their flat to a 3-room or smaller flat type, they will receive a cash bonus of up to $20,000 per household.〔http://www.hdb.gov.sg/cs/infoweb/residential/living-in-an-hdb-flat/for-our-seniors/right-size-with-silver-housing-bonus〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Lease Buyback Scheme」の詳細全文を読む スポンサード リンク
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