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11/07/2011

Exasperation over stupid housing policies

An article by A Chan in the TOC is the manifestation of so much exasperation over stupid housing policies that have made our very own citizens feeling very frustrated, discriminated and angry with the govt that claimed to be looking after their interests, for their own good.

And many daft Singaporeans are arguing and pulling their hair over why this and why that, why not a bit more or a bit less? They forgot that the whole policy is flawed from its first premise. It was designed on the assumption that they cannot build enough flats for every citizen and therefore have to ration the flats, subsidised the lower income, and not allowing the higher income to buy public flats or compete with the lower income. This is the biggest bull and the biggest myth.

If the premise is that housing is a basic need and everyone needs a roof over his head, and it is the govt’s responsibility to provide this need, then all the silly rules and regulations will become irrelevant instantly.

Hsien Loong is asking the people to give suggestions, to change govt policies that are no longer relevant, or even stupid, then the housing policy is one that need to be buried and forgotten, and get a fresh new start.

Public housing is for the people, regardless of income level, just like NS is for every citizen regardless of his status or background. An NS man, rich or poor, pledges to defend this country and all. He needs at least a home to do that, to have something to protect in the first place.

And why the need to have all the salary ceilings with all the idiotic definitions? Count this don’t count that, commission counted, bonuses not counted. I have heard of cases when on study leave with no pay but a subsistence allowance for several years, HDB still insists on including the pay as the income. Technically, two incomes of $5k will be $10k. When one is on study leave without pay but a small subsistence allowance for several years, the income is really $5k plus the subsistence allowance which will not even touch $8k. But applicant disqualified.

Putting aside the issue of not building enough flats, all young couples need a flat to start their lives. For one reason or another, some delayed in getting married for many years and ended up in a situation when their incomes will exceed whatever ceiling is in place. Some joker blames the young for not planning their marriage and applying for a flat early. This is the most idiotic reasoning coming from the super talents. Not everyone can plan their marriages like planning to have breakfast.

If it is possible that every young couple can get hitched at 25 or the first few years on coming into the job market, then all the ceilings will no longer apply. It is only when they could not get hitch in time that this silly ruling will come in to affect their chances. And because of the unwillingness to build to meet the demands, many could not get their flats in time and by the time they were awarded one, their incomes could exceed the ceiling and be disqualified as well.

Back to my main point, the govt must build enough flats for all first timers regardless of their income level. This is a basic and primary need to start a family, to start a life. Failing to do this is a failure on the govt’s part to provide for the people. There could be some rules to keep public housing from being abused, like owners of private properties. Other than some major exclusions, all citizens must be entitled to buy their first flats and income should not be a determinant of their eligibility or the types of flats they can or cannot buy.

The govt’s key responsibility is to house its citizens. How much the citizens want to pay, what type of flats they need should be left to the discretion of the people. Maybe qualification against those who wants to buy beyond their means. Definitely not to force anyone to buy beyond their means.

Housing needs not be such a pain if the govt just build and this will remove all the frustrations that the people are facing because of the flawed assumptions in the housing policies. Or is this a sacred cow that cannot be slewed?

80 comments:

agongkia said...

My view on this would be offensive to many.HDB is unable to built enough BTOs in a short period and thus they should not raise the income ceiling at this time.

Having done so will result in those with lesser earning having a lesser chance to secure a flat.
If we will to look into welfare,those lower income should be given priority and it is a mistake,in my view to raise the income ceiling at this time.

But after losing some votes,they garang gabok,gabra jebra,thinking that the raising of income ceiling to 10 K will please more people.,but it will result in those with lesser earning facing more difficulties to secure a flat.
This will also result in flat being more unaffordable .

And Ms A Chan is having a total income of 8.9k at the time of application when the income for application ceiling is 8 K.
It only shows that HDB fail in their part not to disqualify her
and gave her queue number instead.
Ask Ms Chan whether is she starting a family or for the purpose of having more flats.

Lets not disturb the nature, trees,birds,snakes and cemeteries ,just to built more flats.
Housing should only be built at the last resort and base on the needs.
Children should learn to stay with their parent and not think of getting a flat once married.
Sadly,many are brainwash and think it is a common practice.
Ms A Chan's gave a wrong impression that having a 8.9K income is a norm
and at the same time ,praising the minister for raising the income ceiling and HDB's fairness to execute it.
I am one who do not appreciate the idea of raising the income ceiling at this time.
However,other than income ceiling,there are indeed many rules that can be fine tune.

Anonymous said...

$12K...income,u write this article to hope can buy flat cheap cheap?? Please,we need the flat more then u, borrow a reply from TOC-"You are earning quite a lot so u should get out of the hdb q and move to the private residential market. Leave the hdb q to your poorer fellow citizen"
Agongkia sharing is true,why must government please those earning $8K above?

Anonymous said...

Joke - Changing Singapore (light bulbs)

How many complexity minded Singapore policy makers does it take to change a light bulb?

Answer
------
Five.
One policy maker to stand on a chair to hold the old light bulb.
Four policy makers to push the chair around in an anti-clockwise direction to unscrew the light bulb.

Anonymous said...

Singaporeans are indeed daft to the core. They cannot see the woods from the trees.

The neighbour's dog shit at the front gate. They argued day and night that perhaps it would be ok if the dog shit 1 metre further. Or perhaps if the shit is smaller, and thank God it is only shit, etc etc.

In the first place the shit should not be there. And what is the cause of the shit? Dum dum.

The housing problem is the shit.

Anonymous said...

Singaporeans do not know the colour of the shit in the country;

Is it white, red or blue?

Anonymous said...

We call it stupid but they think themselves as highly successful in tackling public housing.

HDB is turning into a shithole. Nothing but shit and all shit policies. It is a scam to empty our CPF to the last cent by selling us the dumb idea that the more your HDB is worth the richer you are. Everyone is becoming millionaires, so what?

We cannot even afford to retire to lead a simple life now despite all the astronomical home prices, making us half or three quarter millionaires.

Can poorer people cash out and live on their profits? It is all a fallacy!

Anonymous said...

Not to mention that you need to pay at least $70k before you can own a car! Thanks to the @%^!

Anonymous said...

shithole? Are you still staying there? If no,Don't insult our home,if Yes,why you still sleeping with shit? Sell away & move to other country please,you be more Happy. People in shithole also happy without you.

Anonymous said...

@ ANON 7.02pm

I'm not moving anywhere.
I'm staying behind to clean out the shit in my country.

Too many cling-ons like you sticking around the old ass hole.

GE 2016. Your time is up.

Anonymous said...

Excellent rebuttal Anon 8.10.

Bulls-eye on the perception that many cling-ons still buzzing around the asshole thinking it is paradise and singing praises about the smell.

I am not moving elsewhere too because I hate to move aside for the parasites.

Cleaning up the shithole is the job of Singaporeans in 2016 after seeing my country soiled beyond recognition by the bootlickers, ball-carriers and cling-ons and those imported over the last decade.

Yes, clean up the shithole in 2016 and reclaim reality.

Anonymous said...

anon 7:02 is a foreign shit

agongkia said...

anon 7.02

You only knows how to tell others to go away.,but not knowing that you can chose not visit this site.
Contribute and share your idea if you have,to help to clear the shits,not tell others to sell their houses and go away .

Really TongBorBin.

Anonymous said...

Anon 7.02 had given Sicgaporeans the best piece of advice ever. He/she was right, go seek happiness where You can get. Do not wait for happiness here in Sin while blaming everything here. There could be something very wrong with the way Sicgaporeans handle themselves!

Chua Chin Leng aka redbean said...

To anon 1:08. You must be those contented Sinkies, probably very happy with what you have. Maybe living in private properties.

Not everyone will think it is wise to spend all their money on a roof over their heads. It is only prudent to save for retirement and not let people force you to dump everything in a roof and then blame you for not having enough money for retirement.

It is better to buy one within your means and have some money in your savings. I don't believe in bravery and taking huge loans and pray that the income will keep coming in for the next 30 years.

Bravery or recklessness, or unthinking, it is just an opinion.

Anonymous said...

Not Happy,move to other country,don't KPKB.
Or actually you are not good enough to move to other country, meh... No wonder...no place for you these loser.
This country belong to those who love,value& treasure who she is,not like some of you who spread bad words about her.

Anonymous said...

What say man. Someone earning from hands to mouth still talking so big. Got earn $2000 or not?

Anonymous said...

No complaints please. The government has promised no one will be homeless, meals will be delivered to You and no one will be deprive of any medical treatment.

If anyone found anyone in predicament of shelter, food and medicare, please call the Prime Minister Office.

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