Um modelo sem expressão por varias razões, nunca poderia ser nos modelos antigos pq o mundo mudou - acesso a credito principalmente.
Agora o estado ou poder local a construir para vender ? Um bocado utopia .
Olha aqui uma utopia tornada realidade:
A brief history – from squatter settlements to home ownership
Before we were set up in 1960, our predecessor, the Singapore Improvement Trust, had built 20,907 units of public housing flats in the span of 12 years from 1947 to 1959. However, these were not enough to house the population of about 1.6 million at that time. The majority of which lived in overcrowded slums and squatter settlements.
3 years after our formation, we had built 31,317 flats and successfully tackled the housing crisis. The flats were basic but with piped water and clean sanitation, they provided decent housing and shelter for many.
Home Ownership Scheme
In 1964, the government introduced the Home Ownership for the People Scheme to give citizens a tangible asset in the country and a stake in nation-building. This push for home ownership also improved the country’s overall economic, social, and political stability.
In 1968, to help more become home owners, the government allowed the use of Central Provident Fund (CPF) savings for the downpayment and to service the monthly mortgage loan instalments. This, together with other schemes and grants introduced over the years, has made home ownership highly affordable and attractive.
Allocation and pricing
To maintain fair allocation of flats, various adjustments were made to keep up with changing times and circumstances. Flats were allocated under the Waiting List System, Booking System, Registration for Flats System, and currently the Build-To-Order System.
In providing homes for residents, we were also mindful to ensure social cohesion and a good racial mix among various ethnic communities living in public housing estates. Hence, in 1989, the Ethnic Integration Policy was implemented. In addition, since 2010, the Singapore Permanent Resident (SPR) quota has specified a maximum proportion of non-Malaysian SPR households within a block or neighbourhood. The SPR quota ensures that SPR families can integrate into the local community for social cohesion.
In pricing our flats, our principle has always been to keep homes within the reach of the majority of flat buyers. In 2006, the Additional CPF Housing Grant Scheme was introduced to help lower income families own their first homes. Since then, other grants have been put in place to help home buyers afford HDB flats. With these measures, buyers would need to use less than a quarter of their monthly household income to pay for the mortgage instalment of their first flat, a figure lower than the international benchmarks for affordable housing.
Financial planning
Apart from ensuring that our flats are affordably priced and providing housing subsidies to help Singaporeans become home owners, we encourage financial prudence and forward planning. Since January 2007, flat buyers who would like to obtain an HDB loan to buy a new flat must have a valid HDB Loan Eligibility (HLE) letter before purchasing their flat. The HLE letter considers the flat buyers' age, income, and financial commitments to calculate the maximum loan eligibility and corresponding monthly instalments to ensure they are not financially overstretched.
Home Protection Scheme
The Home Protection Scheme (HPS) was implemented in 1981 and administered by the CPF Board. This scheme helps to ensure that dependants of our flat owners would not lose their homes because they are unable to finance their loan in the event of death or permanent incapacity of the sole breadwinner.
https://www.hdb.gov.sg/about-us/our-role/public-housing-a-singapore-icon
Há vários modelos que podem ser aplicados, até países que expropriam casas vagas para arrendar.... Há países que fazem habitação social, há paises que fazem habitação para arrendar a preços controlados e outros que fazem para vender a preços controlados. Há quem faça de tudo um pouco e,
Há quem não faça quase nada tipo Portugal. É urgente fazer qualquer coisa pelo imobiliario em PT. Quando um t1 numa aldeia longe das 4 ou 5 grandes cidades custa 500€ de arrendamento ou 200000€ de compra, já batemos no fundo.
Isto pode parecer pouco urgente para quem tem casa e não se vê afetado por esta problática, mas isto é algo que para além de TODOS os problemas do país, fará com que seja impossivel alvancar a economia.
]
facto do terreno ser do estado resolve o problema de herdos pois a garantia do direito de habitação (actualmente) só é para o proprietário ou residente. No final do contrato da cedência de superfície fica reduzido o risco dos imóveis ficarem vazios já que será aplicada renda da superfície. Os futuros donos serão obrigados a habitar ou arrendar.
]
]