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My Home Purchase Plan is one of the public housing initiatives of Hong Kong. This plan enables eligible citizens to purchase homes by way of "rent-and-buy". The Plan aims to provide assistance to potential sandwich class home buyers who are able to repay mortgages in the long term but currently do not have enough savings for the down payment. This is plan is introduced by the Chief Executive of Hong Kong in the Policy address of Hong Kong 2010.〔(Hong Kong Policy Address 2010-11 )〕 The implementation of plan, that is the first 5000 flats under the plan is expected to be ready for sell in 2014.〔(News from Hong Kong's Information Service Department on 9 March 2011 )〕 Under this Plan, the Hong Kong Housing Society〔(Hong Kong Housing Society )〕 will lease the flats to eligible applicants at prevailing market rates. The tenancy period will be up to five years, within which the rent will stay put. After an occupation period of two years, tenants may purchase the flat they rent or another flat under the Plan at prevailing market price, or a flat on the private market. They will receive a subsidy equivalent to half of the net rental they have paid during the tenancy period, and use it for part of the down payment. Upon maturity of the five-year period, tenants will have to move out but still consider purchasing a flat within a period of two years. My Home Purchase Plan has reserved five sites (i.e. Tsing Yi, Diamond Hill, Sha Tin, Tai Po, Tuen Mun)〔(Economy News 13 October 2010 )〕 in building 5000 subsidized housing. Housings under this plan,is only exclusively for family applicants that have a household income of less than $39,000 a month and assets of no more than $600,000. The major target of the Plan are the "White Form"〔(White Form Eligibility, Hong Kong Housing Authority )〕 applicants while "Green Form"〔(Green Form Definition, Hong Kong Housing Authority )〕 and singleton applicants will also be allocated certain quota. The first pilot project of My Home Purchase Plan is at Tsing Luk Street in Tsing Yi, and is estimated to have provide 1000 flats. == Background == The private residential property prices has increased by 19% from September 2009 to September 2010, this phenomenon is attributable to the progressive economic recovery, low interest rate environment and the relatively tight supply of private residential flats in the past few years. The mortgage-to-income ratio in the second quarter was 41%, though it was lower than the average ratio of 53% over the past 20 years. This figure reveals the concern of the public on the recent increase on property prices. As the price of housing property in Hong Kong is skyrocketing, the amount of available mass market flats at affordable prices and overall supply of land for flat production in the long term is worrying. The Transport and Housing Bureau (THB)〔(The Transport and Housing Bureau )〕 conducted a series of public consultations. Opinions on whether to subsidize home ownership were collected from May to 17 September 2010. Stakeholders and members of the public engage through different channels to look at matters related to the subject, in order to identify a way that can reassure concerns of the public. The outcome of the public consultation〔(www.thb.gov.hk )〕 showed that a lot of people are concerned about the rise in property prices and the difficulties in purchasing their first flat. The Hong Kong Government recognizes the importance of home ownership to the public. It is the common will of the people to secure a stable home and to improve their quality of life. The Legislative Council of Hong Kong is of the view that the Government should introduce measures to help the sandwich class purchase their own flats, regarding the high property price. It is asserted that providing relief measures to sandwich class home buyers to give them time to save up is suitable. As a result, the Government, in collaboration with the Hong Kong Housing Society (HKHS), will introduce My Home Purchase Plan. 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「My Home Purchase Plan」の詳細全文を読む スポンサード リンク
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