{"id":35386,"date":"2020-07-06T19:21:00","date_gmt":"2020-07-06T11:21:00","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=35386"},"modified":"2022-06-13T17:25:36","modified_gmt":"2022-06-13T09:25:36","slug":"ge-2020-party-housing-manifesto","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/ge-2020-party-housing-manifesto\/","title":{"rendered":"GE 2020: What every party says about housing in their manifestos"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>Enough mudslinging, it&#8217;s time to put the focus back onto policies and issues that affect Singaporean livelihoods for what&#8217;s left of GE 2020. Casting the spotlight on housing, we looked through every political party&#8217;s manifesto to pick out the proposals related to housing. Here they are*:<\/p>\n<p>*<em>wherever possible, the exact wordings are used without amendment.<\/em><\/p>\n<h2>People&#8217;s Action Party (PAP)<\/h2>\n<p>The <a href=\"https:\/\/prodwpbolb.blob.core.windows.net\/media\/2020\/06\/pap-manifesto-2020-our-lives-our-jobs-our-future.pdf\">PAP manifesto<\/a> contained just one direct reference to housing: &#8220;Enhanced housing grants \u2013 for purchase of HDB flats&#8221;.<\/p>\n<p>As the ruling party, the PAP government has done quite a bit in terms of housing and the property market over their last term, such as increasing the income ceilings for BTO flats (from $12,000 to $14,000), ECs ($14,000 to $16,000) and Family Grant ($12,000 and $14,000).<\/p>\n<p><strong>The Enhanced Housing Grant (EHG)<\/strong> was also introduced from the September 2019 BTO sales exercise onwards. Check out <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-resale-grants-how-much\/\">this article<\/a> for a more detailed explanation of the EHG, which applies to both resale and new flat purchases.<\/p>\n<p>The government also did the following in the past five years:<\/p>\n<ul>\n<li><strong>Allowed more flat buyers to be eligible for the <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdbs-proximity-housing-grant-phg-eligibility-criteria-amount\/\">Proximity Housing Grant (PHG)<\/a><\/strong> by setting a wider 4km radius criteria (previously 2km or within the same town)<\/li>\n<li><strong>Made EHG for BTO flats applicable to all flat types<\/strong>, as opposed to SHG, which was limited to 4-room or smaller BTO flats in non-mature estates<\/li>\n<li>With the introduction of EHG, <strong>raised the maximum possible grant amount for buying a resale flat<\/strong> from $120,000 (AHG + PHG + Family Grant) to $160,000 (EHG + PHG + Family Grant)<\/li>\n<li><strong>Introduced Deferred Income Assessement<\/strong> to allow non-income earning students in full-time tertiary education and National Service to apply for a BTO flat<\/li>\n<li>Allowed single unwed parents aged 21 and above to purchase <a href=\"https:\/\/mothership.sg\/2020\/03\/unwed-parents-buy-hdb\/\">up to a three-room flat in a non-mature estate<\/a><\/li>\n<li>Brought ahead the construction of selected BTO projects to shorten the waiting time for flats<\/li>\n<li>Announced that it will <a href=\"https:\/\/www.straitstimes.com\/politics\/parliament-hdb-to-go-one-step-further-to-integrate-rental-and-sold-flats-in-same-block\">integrate sold flats and rental flats in the same block<\/a> for certain BTO projects<\/li>\n<li>Scrapped Re-offer of Balance Flats for an <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-open-booking-of-flats-vs-resale-cheaper\/\">Open Booking<\/a> system<\/li>\n<\/ul>\n<p>For private property, the government introduced <a href=\"https:\/\/www.99.co\/singapore\/insider\/absd-increase-property-market\/\">additional cooling measures<\/a> in July 2018 to stop the runaway increase of property prices. During Covid-19, it took steps to safeguard homeowners by working with banks to allow the <a href=\"https:\/\/www.99.co\/singapore\/insider\/defer-pay-home-loan-covid-19\/\">deferment of home loan repayments<\/a> up until the end of 2020.<\/p>\n<p><em>Recommended article<\/em>: <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-grants-for-couples\/\">Quick Guide to BTO and Resale HDB Grants for Couples [2020 Edition]<\/a><\/p>\n<h2>Worker&#8217;s Party (WP)<\/h2>\n<p>The <a href=\"https:\/\/www.wp.sg\/manifesto\/\">WP manifesto<\/a> proposes the following for housing:<\/p>\n<ul>\n<li><strong>Rent for HDB rental flats<\/strong> should be forgiven until all forms of lockdown restrictions are lifted, as rental flat residents are screened to be of low income. This would protect our society\u2019s most vulnerable members and stimulate the domestic economy, while having minimal fiscal impact.<\/li>\n<li><strong>For single parents,<\/strong> equalisation of state benefits and housing options.<\/li>\n<li><strong>For singles,<\/strong> lowering the age at which they can apply for a 2-room BTO flat should be lowered from 35 to 28, delinking our housing policy from the expectation that Singaporeans should<br \/>\nget married before a particular age (35 in this case).<\/li>\n<li><strong>For BTO selling prices,<\/strong> prices for BTO flats in non-mature estates should be pegged to household incomes. Prices should be based on a 20-year mortgage, 10% down-payment, and monthly repayments of a maximum of 25% of the median monthly household income. In addition, a discount should be offered to lower income applicants of 2-room and 3-room flats to achieve debt servicing ratios of 10% and 20% respectively.<\/li>\n<li>HDB should also give each buyer the <strong>breakdown of land sale costs, developmental costs and subsidies<\/strong> for them to better understand the price of their flats.<\/li>\n<li><strong>To tackle lease decay,<\/strong> a universal buy-back scheme should be offered to all HDB lessees to back-stop resale prices to a certain degree. The buy-back formula should be devised to be fair to the buyer and the state. Some of the acquired flats could then be rented out to Singaporeans at rates in between commercial and HDB public assistance rentals. This would provide more housing options for Singaporeans who do not wish to own a flat lease at certain points in their lives.<\/li>\n<li><strong>For orderly urban renewal,<\/strong> the government should consider launching more <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-selective-enbloc-redevelopment-scheme-sers\/\">SERS<\/a> exercises and providing a SERS scheme that does not require a proxy relocation site, using instead BTO and balance flats for relocation.<\/li>\n<li><strong>Remove ethnic quotas for HDB resale flats<\/strong> to address the disadvantage faced by ethnic minority HDB flat resellers, many of whom have had to sell their flats at discounted prices.<\/li>\n<\/ul>\n<p>On the issue of abolishing ethnic quotas under the Ethnic Integration Policy (EIP), WP argued that abolishing the quotas will not cause racial disharmony amongst Singaporeans.<\/p>\n<p>&#8220;After more than 50 years of nation-building, our society has evolved and achieved multi-racial integration that has gone beyond the need for mandating proportionally mixed neighbourhoods,&#8221; says WP in its manifesto.<\/p>\n<figure id=\"attachment_15543\" aria-describedby=\"caption-attachment-15543\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-15543\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2016\/11\/sales-balance-flat-hdb.jpg\" alt=\"Sale of Balance flats SBF\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2016\/11\/sales-balance-flat-hdb.jpg 720w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2016\/11\/sales-balance-flat-hdb-600x400.jpg 600w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2016\/11\/sales-balance-flat-hdb-440x294.jpg 440w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-15543\" class=\"wp-caption-text\">HDB lease decay is a common concern among parties, who have put forward varying proposals to address the issue.<\/figcaption><\/figure>\n<h2>Singapore Democratic Party (SDP)<\/h2>\n<p>The <a href=\"https:\/\/yoursdp.org\/\">SDP<\/a> advocates the following for housing:<\/p>\n<ul>\n<li><strong>Introduction of non-open market HDB flats<\/strong> that do not include land costs in their pricing. Flats bought under this scheme will not be allowed to be resold in the open market, and can only be sold back to HDB. Only Singaporeans will be eligible for such flats.<\/li>\n<li><strong>Implementing the Young Families Priority Scheme (YFPS)<\/strong>, a targeted priority scheme that grants balloting priority for first-timer families with children or couples who are expectant for balance flats or new BTO flats in non-mature estates.<\/li>\n<li><strong>Increase the income ceiling for HDB public rental housing.<\/strong><\/li>\n<li><strong>Enabling single-parent families with children and singles to buy and own flats,<\/strong> hance making public housing more inclusive.<\/li>\n<li><strong>Enhancing the lease buyback scheme<\/strong> to more effectively assist needy senior citizens to have a secure retirement.<\/li>\n<li><strong>Abolishing the Ethnic Integration Policy<\/strong><\/li>\n<\/ul>\n<h2>Progress Singapore Party (PSP)<\/h2>\n<p>The <a href=\"https:\/\/psp.org.sg\/ge2020-manifesto-by-progress-singapore-party-for-country-for-people\/\">PSP manifesto<\/a> proposes the following for housing for more affordable homes and to address lease decay:<\/p>\n<ul>\n<li>En-bloc redevelopment for all old flats.<\/li>\n<li>Peg new flat prices to median income levels.<\/li>\n<li>Bring down housing costs for young Singaporeans to free them for entrepreneurial pursuit.<\/li>\n<\/ul>\n<h2>Singapore People&#8217;s Party (SPP)<\/h2>\n<p>The <a href=\"https:\/\/singaporepeoplesparty.org\/wp-content\/uploads\/2020\/06\/Manifesto_Full.pdf\">SPP manifesto<\/a> proposes the following for housing:<\/p>\n<ul>\n<li><strong>Extending the lease buyback scheme:<\/strong> All HDB owners should be given the option to sell their leases back to the HDB at a price near to the market value after five years. SPP additionally describes this as a win-win; homeowners will take comfort in knowing they&#8217;ll be able to liquidate their remaining lease at a reasonable price, whethers HDB can increase its stock of flats and avail it to first-time buyers or renters.<\/li>\n<li><strong>Extending SERS to all estates<\/strong> to make good on the promise of first generation of leaders that the HDB is an asset<\/li>\n<li><strong>Abolishing ethnic quota:<\/strong> The ethnic quota has served its purpose and may be prohibitive to sellers from minority races looking to sell their HDB flats. Malay, Indian and Eurasian homeowners should not have the valies of their homes affected fur to the ethnic quota policies, the SPP argues.<\/li>\n<\/ul>\n<figure id=\"attachment_26923\" aria-describedby=\"caption-attachment-26923\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-26923\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/06\/You-can-Now-Book-an-HDB-Flat-the-Day-After-Applying-Different-Ethnicity.jpg\" alt=\"People talking in void deckent ethnicities gathering at the void deck.\" width=\"600\" height=\"400\"><figcaption id=\"caption-attachment-26923\" class=\"wp-caption-text\">A couple of political parties have advocated for the abolishment of the Ethnic Integration Policy (EIP) for GE 2020.<\/figcaption><\/figure>\n<h2>Red Dot United (RDU)<\/h2>\n<p><a href=\"https:\/\/drive.google.com\/file\/d\/1ayty0Cz0TyZwSImO_O_tjQYJaACQAP3M\/view\">RDU&#8217;s manifesto<\/a> proposes the following for housing:<\/p>\n<ul>\n<li><strong>Make En-bloc Redevelopment Programme Mandatory<\/strong> to ease Singaporeans\u2019 concerns about lease decay and the value of their HDB flats.<\/li>\n<li><strong>Allow Singles to buy bigger 3-room or smaller BTO and lower the minimum age under the Single Singapore Citizen Scheme (SSC) and the Joint Singles Scheme (JSS) progressively<\/strong>, so that Singles can eventually buy flats at age 30. This will ease the burden of Singles to be less dependent on their parents. It will also address the perceived inability of finding suitable housing which is a deterrent to early marriage.<\/li>\n<li><strong>Establish greater transparency in the cost of building HDB flats<\/strong> with a breakdown of land cost and building cost in order to price HDB flats affordably in a sustainable manner. Price new flats at a multiples of median income and location factor. This will ensure affordability and as income levels of Singaporeans change through the years, government revenue from flat sales would also rise. Therefore, better aligning the interest of individual and state. This will also incentivise policy makers to grow the wage share of Singaporeans.<\/li>\n<li><strong>Ensure that more flats are made available to young people in order to encourage early marriage and childbearing.<\/strong> This could be done through lowering the age Singles could buy HDBs (from 35 to 30) and ensuring there are sufficient sales-for-balance flats (SBF) which could be bought by young couples ready to marry and possibly start a family early.<\/li>\n<\/ul>\n<h2>National Solidarity Party (NSP)<\/h2>\n<p>The <a href=\"https:\/\/nsp.sg\/manifesto-2\/\">NSP manifesto<\/a> proposes the following for housing:<\/p>\n<ul>\n<li>HDB shall resume its core responsibility i.e. provision of quality public housing for the masses at cost-plus prices.<\/li>\n<li>HDB shall release comprehensive detail of the costs (land, construction, development, administrative, etc) of each project on its website before launching it, to allow evaluation of its cost efficiency.<\/li>\n<li>More subsidised rental flats should be developed to reduce the waiting time for those citizens who are in dire needs. Such flats should be prohibited from being used to house foreign workers.<\/li>\n<li>HDB flats owned by PRs should be prohibited from resale within eight years\u2019 of ownership, and any profit realised from the sale thereof should be subject to taxation to prevent speculative transaction. Such flats should also be prohibited from being leased out either wholly or in part.<\/li>\n<\/ul>\n<h2>People&#8217;s Power Party (PPP)<\/h2>\n<p>The PPP manifesto proposes the following for housing, specifically for Macpherson\u2060 SMC\u2014the only consituency which it is contesting:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.99.co\/singapore\/insider\/common-misconceptions-about-the-home-improvement-programme\/\">HIP<\/a>, <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-voluntary-early-redevelopment-scheme-vers\/\">VERS<\/a> or SERS should be planned and carried out as soon as possible in MacPherson.<\/li>\n<\/ul>\n<p>[<strong>Note:<\/strong> Singapore Democratic Alliance (SDA), People&#8217;s Voice and Reform Party did not outline any specific housing proposals in their manifestos.]<\/p>\n<h2>On 99.co, we&#8217;re now showing you which parties and candidates are running at the location of the property you&#8217;re viewing:<\/h2>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_35415\" aria-describedby=\"caption-attachment-35415\" style=\"width: 1000px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-35415\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2020\/07\/listings-copy.jpg\" alt=\"Check it out on 99.co\" width=\"1000\" height=\"918\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2020\/07\/listings-copy.jpg 1612w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2020\/07\/listings-copy-1536x1410.jpg 1536w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption id=\"caption-attachment-35415\" class=\"wp-caption-text\">Check it out on 99.co<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<h2>Which party&#8217;s manifestos for housing do you like the best? Share your thoughts with us in the comments below!<\/h2>\n<p>If you liked this article, 99.co recommends\u00a0<a href=\"https:\/\/www.99.co\/singapore\/insider\/heng-swee-keat-heres-your-east-coast-plan-ok\/\">Heng Swee Keat, here&#8217;s your East Coast Plan ok?<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.99.co\/singapore\/insider\/and-the-neighbourhood-with-the-most-electoral-constituency-changes-goes-to\/\">And the neighbourhood with the most electoral constituency changes goes to&#8230;<\/a><\/p>\n<p>Looking for a property? Find your dream home on Singapore&#8217;s most intelligent <a href=\"http:\/\/99.co\">property portal 99.co<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Enough mudslinging, it&#8217;s time to put the focus back onto policies and issues that affect Singaporean livelihoods for what&#8217;s left of GE 2020. Casting the spotlight on housing, we looked through every political party&#8217;s manifesto to pick out the proposals related to housing. Here they are*: *wherever possible, the exact wordings are used without amendment.&hellip;<\/p>\n","protected":false},"author":59,"featured_media":31932,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53593,57131],"tags":[53989,55717,56064,53636,56065],"persona":[],"class_list":{"2":"type-post","14":"entry","15":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- 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