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Governance in Singapore HOUSING

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Governance in Singapore HOUSING Benjamin Heng (01) Kenneth Leong (03) Tan Yong Sheng (22) * * * * * * * * * * * * * * * * * * * * * * * * * Residential Businesses ... – PowerPoint PPT presentation

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Title: Governance in Singapore HOUSING


1
Governance in SingaporeHOUSING
  • Benjamin Heng (01)
  • Kenneth Leong (03)
  • Tan Yong Sheng (22)

2
Singapore The land of unique houses
  • Singapores houses are fairly unique, unlike most
    Western countries.
  • Singapore, being a tiny red dot, has lack of
    space, so the housing division of the government
    the Housing and Development Board (HDB)
    created an ingenious solution to solve
    Singapores housing problems Skyscraper
    Houses.
  • Today, these Skyscraper Houses better known
    as HDB flats accommodate approximately 80 of
    Singapores population.

3
Singapore The land of unique houses
  • HDB flats in Singapore can be grouped into 2 main
    categories.
  • They can be used for Residential Housing and
    Business.

4
Governance in SingaporeRESIDENTIAL HOUSING
home seekers
5
Residential Housing Income Ceiling
HDB flats Executive Condominiums Design and build sell schemes Public Rental schemes
Buying a 3-room Premium, 4-room or bigger flat  Gross monthly household income capped at 8,000.If buying a flat with extended family, gross monthly household income capped at 12,000. Buying a 3-room Gross monthly household income capped at 3,000. Buying a 2-room Gross monthly household income capped at 2,000. Gross monthly household income capped at 10,000.  Gross monthly household income capped at 8,000. If buying a flat with extended family, gross monthly household income capped at 12,000.  Total household gross income capped at 1,500/- per month.
6
Residential Housing Criteria
  • Home Seekers (HDB Flat)
  • Singapore citizen, 21 years old
  • 1 Singaporean/PR family member
  • 1st timer must not be owners/sellers of
    HDB/DBSS flats/Executive Condominium or received
    housing subsidies (e.g. CPF housing grant) 
  • 2nd timer must not be owners/sellers of
    HDB/DBSS flats/Executive Condo/flats under CPF
    housing grant/other housing subsidies
  • Max. 2 properties per householdIf under housing
    subsidies, have to pay resale levy


7
Residential Housing Criteria
  • Home Seekers (Executive Condominium)
  • Singapore citizen, 21 years old/35 years old
    for joint singles, 1 Singaporean/PR family
    member
  • 1st timer must not be owners/sellers of
    HDB/DBSS flats/Executive Condominium or received
    housing subsidies (e.g.. CPF housing grant)
  • 2nd timer must not be owners/sellers of
    HDB/DBSS flats/Executive Condo/flats under CPF
    housing grant/other housing subsidies 
  • Max. 2 properties per household


8
Residential Housing Criteria
  • Home Seekers (DBSS)
  • Singapore citizen, 21 years old, 1
    Singaporean/PR family member
  • 1st timer must not be owners/sellers of
    HDB/DBSS flats/Executive Condominium or received
    housing subsidies (e.g.. CPF housing grant)
  • 2nd timer must not be owners/sellers of
    HDB/DBSS flats/Executive Condo/flats under CPF
    housing grant/other housing subsidies 
  • Max. 2 properties per household


9
Residential Housing Ethnic Group Eligibility
Under the Policy  Maximum proportions are set
for all ethnic groups Chinese, Malays and
Indian/Others, in each HDB block and
neighbourhood. There is no restriction on the
sale and purchase of an HDB flat if the
proportion of the buyer's ethnic group is within
the prescribed block and neighbourhood
limits. Once the block/neighbourhood limit for a
particular ethnic group has been reached, no
further sale of HDB flats to that ethnic group
will be allowed if it will lead to an increase of
the proportion beyond the limit. There is no
restriction if the buyer and seller are of the
same ethnic group.

10
Residential Housing Subtenant Eligibility
Permitted Subtenants -Singapore
citizens-Singapore permanent residents-Non-cit
izens legally residing in Singaporeholders of
Employment Passes, S Passes, Work Permits,
Student Passes, Dependant Passes, Professional
Visit Passes, Long Term Social Visit Passes (6
months and above)

11
Residential Housing Subtenant Eligibility
Non-Permitted Subtenants -Non-Malaysian foreign
construction workers-Owners /tenants of
existing flats, excluding1. owners/tenants who
are divorced. Only one of the divorced parties is
eligible to be a subtenant 2. owners who are
eligible to sublet their whole HDB flat. However,
they must sublet their own flat within one month
after they have rented an HDB flat from other
flat owner or if they are not able to rent out
their own flat as there are other occupiers
remaining behind 3. Owners of existing Executive
Condominium units where the 5-year minimum
occupation period has not been met

12
Residential Housing Subtenant Eligibility
Corporate Subtenants Owners may sublet their
flat to a corporate body to house its employees.
However, they must  1. ensure that the company
allows only persons who meet the eligibility
conditions of subtenants to stay in the flat
2. provide the particulars of the occupiers in
the subletting application form3. ensure that
only authorised occupiers who are registered with
HDB are staying in the flat4. ensure that
non-citizen occupiers have lawfully entered
Singapore and are lawfully allowed to remain in
Singapore

13
Residential Housing Subtenant Eligibility
Corporate Subtenants 5. ensure that the
occupiers comply with all the terms and
conditions of subletting and6. ensure that the
occupiers vacate the premises upon termination of
subletting or in the event that the subletting
approval is revoked by HDB.

14
Residential Housing Subtenant Eligibility
Maximum Number of Subtenants The maximum number
of subtenants allowed in each flat is   4
persons for 1-room and 2-room flats  6 persons
for 3-room flats  9 persons for 4-room and
bigger flats 

15
Residential Housing Flat Renting Eligibility
One is still allowed to sublet your whole flat if
he is
  • Living in quarters provided by employer
  • You, spouse, family members, or authorised
    occupiers are all staying in quarters provided by
    your employers.
  • Going overseas to work or study
  • You, spouse are going overseas to work or study
    and the entire family will be going along, or you
    are leaving behind family members who cannot take
    care of themselves and who will be moving out of
    the flat.
  • Living in commercial properties
  • You, spouse are tenants, subtenants or owners of
    commercial property with living quarters and you
    have to stay there, with your family members, to
    look after the business.


16
Residential Housing Flat Renting Eligibility
  • Other Circumstances
  • You are the sole owners and occupiers of the
    flats and need care from relatives because of
    illness 
  • You are the sole owners and occupiers of the flat
    and are hospitalised for more than six months
  • The flat owners have passed away and left behind
    an orphaned minor child (i.e. child under 21
    years of age). The guardian or public trustee of
    the minor child may sublet the whole flat


17
Residential Housing Evaluation
Eligibility conditions to buy a new flat from HDB
(Spore citizen, at least 21 years old, proper
family nucleus)
  • For welfare of all Singapore citizens
  • Government has to ensure that most percentage of
    flats built are used to house Singapore citizens.
  • Age limit ensures that the buyer has a stable
    income and can afford to pay housing instalments.
  • Proper family nucleus ensure the flats are fully
    utilized and not just 1 person staying in a big
    flat, it also helps those with families buying
    together to have priority.


18
Residential Housing Evaluation
Cap of 2 housing units per individual
  • Ensures that the rich would not dominate must of
    the houses in Singapore
  • Gives everyone an opportunity to own a house.

Income ceiling for the different kinds of flats
  • Caters to the needs of the poor people,
    preventing the high-income people from buying all
    the cheaper HDB flats
  • That will result in the low-income people not
    having enough money to buy the more expensive
    flats or private property, and thus become
    homeless.

19
Residential Housing Evaluation
Ethnic Integration Policy
  • Sets a proportion of the different ethnic groups
    to restrict the number of a certain ethnic group
    which would lead to racial issues.
  • A balance of the different ethnic groups would
    also allow the different groups to interact with
    one another
  • Singapore is a multi-racial city, this is a sound
    policy to promote racial harmony.


20
Governance in SingaporeRESIDENTIAL HOUSING
home owners
21
Residential Housing Policies
Minimum Occupation PeriodHome owners must occupy
the flat for a period of time before being
eligible to sell it on open market.- 1 room/
HUDC flat No MOP- HDB/CPF housing grant flat
5 years- Selective En bloc Redevelopment Scheme
flat 5 years- Resale Flat (w/o CPF housing
grant scheme)-gt Loan from HDB 2.5
years-gt Else 1 yearKeeping Dogs- Only 1 dog
of an approved breed is allowed in each HDB
flat- Home owners must ensure dog does not cause
nuisance to residents- Dog license has to be
issued by AVA

22
Residential Housing Policies
Subletting of flatHome owners allowed to sublet
flat if- Occupied non-subsidized flat for at
least 3 years or subsidized flat for at least 5
years- Live in quarters provided by
employer- Going overseas to work/study- Live in
commercial properties Small-scale businessHome
owners can carry out small-scaled activities
without engaging employees and no approval is
needed. E.g. Office work, baking, sewing,
tuition, hairdressing, etc.

23
Residential Housing Policies
Investing in private propertiesEligibility- Fla
ts from HDB/under CPF housing grant-gt Satisfy
MOP-gt Continue to stay in flat after acquiring
private property- Flats from open market/without
CPF housing grant-gt Continue to stay in flat
after acquiring private propertyFire
insuranceHome owners with HDB loan must purchase
fire insurance from appointed insurer and renew
every 5 years if there is still outstanding loan.

24
Residential Housing Policies
Upgrading programmes - Main upgrading
programme -gt Improvements within precinct (e.g..
Add covered linkways, reconstruct playground,
etc.) - Lift upgrading programme-gt Upgrade
lifts to serve every floor-gt Polling to decide
on upgrade-gt Beneficial residents have to pay
PRs pay more- Interim upgrading
works-gt Repainting, letterboxes, etc.-gt Fully
funded by govt.

25
Residential Housing Policies
Upgrading programmes - Home improvement
programme -gt Optional toilet, door, grille
gate, refuse hopper (Chargeable)-gt Essential
waste pipes, spilling concrete, cracks (Govt.
funded)-gt Poll to be decide on
upgrade- Neighbourhood renewal
programme-gt Block-level items, e.g. New tables
seats, residents corner-gt Neighbourhood level
items, e.g.. Drop-off porch, fitness corner

26
Residential Housing Evaluation
Minimum Occupation Period policy
  • Prevents homeowners from buying and selling
    houses too frequently.
  • If people just wants to buy and sell houses to
    make profits, it would be disadvantageous to the
    poor people as they would have to buy houses at a
    higher price
  • If all the cheaper flats are already bought buy
    the higher-income people (which makes up a higher
    percentage of Singapore citizens as compared to
    poor people) and selling them at a high price, it
    would be disadvantageous to the poor people as
    they would have to buy houses at a higher price
  • Poor people would be homeless if the flats they
    could afford are already bought and about to be
    sold at a higher price.


27
Residential Housing Evaluation
Keeping of dogs
  • Ensures the welfare of citizens
  • Dogs can be disturbing others by barking or
    dirtying the neighbourhood with their droppings
  • There has to be a limit to the number of dogs and
    they have to be approved by the AVA so as to
    reduce all these problems caused.


28
Residential Housing Evaluation
Subletting of flats
  • Flat owners are also restricted to sublet their
    flats too early
  • Prevent them from buying flats only to be rented
    out for profit and not intending to stay in the
    flat at all
  • However, under certain conditions, HDB still
    allows flats subletting of flats to maximise the
    usage of the flat
  • Eg. if a person is going overseas to work for a
    period of time, and no other people is staying in
    the flat, it can be subletted to others so that
    people who temporarily has no place to stay would
    not be homeless.


29
Residential Housing Evaluation
Subletting of flats
  • Each flat has a maximum number of subtenants
    allowed to prevent overcrowding.
  • Priority is also given to Singaporeans as only
    Singaporeans are permitted subtenants, to ensure
    that most, if not all, Singaporeans can have a
    place to stay.


30
Residential Housing Evaluation
Investing in private property
  • Homeowners must still live in their flat after
    buying private property.
  • This is to fully utilise HDB flats, ensuring that
    people do not just buy private property and leave
    the flats empty as it can be used to house
    others.


31
Residential Housing Evaluation
Upgrading programmes
  • Many things get obsolete after some time, so
    there is a need to constantly upgrade and improve
    on facilities for more convenience and also to
    prevent accidents due to faulty objects from
    occurring.
  • Eg. Lift upgrading programme to stop on every
    floor for the convenience of residents in that
    block to save time and effort from climbing up
    the stairs.
  • Certain upgrading programmes are optional and let
    the residents vote to decide on whether to carry
    out the process.
  • If the residents feel that the upgrades are not
    worth paying for, they can vote against it.
  • Most of the upgrading programmes are subsidised
    by the government so that the residents still get
    to enjoy benefits even though they might not be
    rich.


32
Governance in SingaporeRESIDENTIAL BUSINESS
33
Residential Businesses Flat Renting Eligibility
HDB flats can be used as a home office and for
business registration under the Home Office
Scheme. Owners, tenants, authorised occupiers
and subtenants of HDB flats, who are 18 years and
above, are eligible to apply under the
scheme. Terms and conditions revolve around the
job of ensuring that these residential businesses
do not pose any danger or harm to people or
property.

34
Residential Businesses Unpermitted Businesses
 Maid/Employment Agency   Contractors
Business   Car Trading Business   Commercial Sch
ool (music, dance, language school or tuition
centre)   Sales/Marketing that involves large
scale seminars/talks   Courier
Business  Manufacture, Preparation or Processing
of products and goods

35
Residential Businesses Permitted Businesses
 Accountancy Services Architectural
Services  Consultancy Services  Design /
Advertising Services  Transportation
Services  Estate Agency  Insurance/Financial
Planning Services  Technology based and
knowledge intensive business  Trading
Office 

36
Residential Businesses General Terms
Mode of Business Mode of business can be
sole-proprietorship, partnership, limited
liability partnership or private limited
company. Registration of Business with
Accounting Corporate Regulatory Authority
(ACRA). The applicant has to register his
business with Accounting Corporate Regulatory
Authority (ACRA). No. of Employees Maximum of
2 non-residents, including partners,
shareholders, directors of the business or
employees. Property Tax Payable As long as the
HDB flat is still being principally occupied by
the owner as residences, the owner-occupied
concessionary tax rate would continue to apply.

37
Residential Businesses General Terms
Business Signage To maintain the residential
ambience, no business or advertisement signage is
allowed. Change in Scope of Business or
Particulars of Business/Company If there is a
change in scope of the business, applicants have
to ensure that the business complies with the
conditions of the Home Office Scheme and notify
ACRA of the changes. Expiry of Approval
Period Applicant must renew the application upon
the expiry of the approval period. HDB will send
the renewal notification to applicant. The
applicant must stop using the flat as a home
office and file a notice of change of business or
company address with ACRA if the Home Office
application is not renewed.

38
Residential Businesses General Terms
Termination of Home Office Scheme Applicant has
to inform the HDB Branch Office managing the
flat, as well as file a notice of change of
business or company address with ACRA.Purchase
of Land HDB also looks after land sales and
lease administration, land maintenance, and land
clearance. Conference and training
locations Mass conferences and trainings cannot
be held in HDB flats. The board has instead
provided alternative locations for such events at
the HDB hub, located directly above Toa Payoh MRT
Station. 

39
Residential Housing Evaluation
General
  • Most of the policies and terms set by the HDB
    revolve around public safety. This is an
    important aspect of good governance.
  • Singapore has limited land space, of which
    majority is used for housing. So instead of using
    up land for building more factories, homeowners
    are allowed to carry out small-scaled businesses
    which can replace a factory, office or shop.


40
Residential Housing Evaluation
Terms and Conditions
  • The flat has to remain a place of residence so as
    to prevent people from buying flats and
    subsequently turn them into an office, leaving
    others who really want to purchase a flat for
    residential stay homeless.
  • The main purpose of a flat is to house people so
    the business cannot be too large-scaled. For the
    large-scaled businesses, they have to be approved
    by HDB.


41
Residential Housing Evaluation
Residential Housing Evaluation
Terms and Conditions
  • Businesses are limited to office work such as
    accountancy to prevent customers from crowding
    the corridors and providing inconvenience to
    other residents in the case of clothes shop, etc.


42
Conclusion
  • Housing is an important issue in Singapore, with
    its limited land capacity.
  • HDB helped to solve this problem through
    high-rise flats for a sustainable Singapore.
  • Its policies provides benefits for all classes of
    people in Singapore.
  • If these policies werent introduced, currently
    Singapore would have many homeless people living
    on the streets.
  • HDB flats might seem sustainable for now... but
    are the flats going to continue to keep getting
    higher if the population increases?


43
References
http//www.hdb.gov.sg/fi10/fi10296p.nsf/WPDis/Othe
rsPolicies?OpenDocumenthttp//en.wikipedia.org/w
iki/Urban_planning_in_Singaporehttp//www.infofo
rhealth.org/pr/m16/m16boxes.shtmlhttp//www.glob
alurban.org/GUDMag07Vol3Iss1/Yuen.htmhttp//en.w
ikipedia.org/wiki/Housing_and_Development_Boardh
ttp//en.wikipedia.org/wiki/Bukit_Ho_Swee_FireSp
atial Planning for a Sustainable Singapore

44
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