新加坡如何实现“居者有其屋”

How Does Singapore Achieve"Home Ownership Scheme"

新加坡作为“居者有其屋”的成功践行者,借助“廉租房—廉价组屋—改善型组屋—私人住宅”的阶梯化供应体系,实现了“中低收入靠保障,高收入靠市场”,维持90%以上的住房自有率。本文探究新加坡组屋制度建立背景和住房供应体系发展过程,总结出新加坡住房供应体系的多重特点,系统阐述了新加坡组屋的运行机制,包括申购、出售、定价规定以及防止投机的措施。研究发现,新加坡政府的综合住房政策能够有效平衡住房供需体系,提升居民的住房福祉,为我国住房领域的政策制定提供了有益启示。

As a successful practitioner of“Home Ownership Scheme”,Singapore has achieved“low-and middle-income groups supported by security,and high-income groups supported by market”,with the help of the tiered supply system of“low-rent social housing-low-rent HDB flats-upgraded HDB flats-Condominium”,maintaining a home ownership rate of more than 90%.Based on the background of the establishment of the HDB system in Singapore and the development process of housing supply system,this paper explores the multiple characteristics of Singapore's housing supply system,and systematically elaborates the operating mechanism of Singapore's HDB properties,including the purchase,sale,pricing regulations and measures to prevent speculation.The study found that the comprehensive housing policy of the Singapore government can effectively balance housing supply and demand,improve the housing well-being of residents,and provide useful inspiration for China's housing policy formulation.