《香港住房条件是怎么改善的》

How Has the Housing Condition in Hong Kong Improved?

香港，这座繁华的国际大都市，一直以来都面临着住房紧张的问题。然而，通过一系列的努力和政策措施，香港的住房条件正在逐步得到改善。

Hong Kong, this bustling international metropolis, has long faced the problem of housing shortage. However, through a series of efforts and policy measures, the housing conditions in Hong Kong are gradually improving.

香港政府从 50 年代开始，每年安排投资建设大量公共房屋，为中低收入阶层提供租用。这一举措极大地缓解了住房供应不足的问题。现行房屋制度规定，日收入低于政府规定限额的家庭，其大部分成员在港住满 7 年且没有私房，就有资格申请公屋。这为中低收入家庭提供了基本的居住保障。

Since the 1950s, the Hong Kong government has arranged to invest and build a large number of public houses every year for the low- and middle-income classes to rent. This measure has greatly alleviated the problem of insufficient housing supply. The current housing system stipulates that families with a daily income lower than the limit set by the government, and most of whose members have lived in Hong Kong for 7 years and have no private houses, are eligible to apply for public housing. This provides basic housing security for low- and middle-income families.

为了减少政府对收入较高的公房住户的补贴，香港房屋委员会从 1978 年开始实行“居者有其屋”计划，鼓励住公屋的家庭拥有自己的屋所，以便他们腾出公屋让给需要的家庭。该计划的房屋用地是政府免费拨给的，因此房屋售价较私营物业价低 3 - 4 成。由于申请购买“居者有其屋”计划房屋的人数每期都超过房屋出售数目，房屋署不得不以摇奖方式决定购买者。

In order to reduce the government's subsidies to higher-income public housing tenants, the Hong Kong Housing Authority began to implement the "Home Ownership Scheme" in 1978, encouraging families living in public housing to own their own houses so that they can vacate public housing for families in need. The land for the houses in this scheme is allocated by the government for free, so the house price is 30% - 40% lower than that of private properties. Since the number of people applying to buy houses under the "Home Ownership Scheme" exceeds the number of houses for sale in each period, the Housing Department has to decide the buyers by lottery.

同时，为补充“居者有其屋”计划的不足，港府又邀请私人发展商购买土地，并规定兴建一定比例的低价房供“居者有其屋”计划的申请人以特价购买。但由于政府投入了较大的补贴，为使补贴真正落实到中低收入家庭，防止投机牟利，政府采取了两项控制措施：其一，严格审查购房资格，如家庭收入、人口规模限制，不同面积住房实行不同价格。其二，房屋再交易时予以一定制约。

At the same time, to supplement the deficiencies of the "Home Ownership Scheme", the Hong Kong government also invited private developers to purchase land and stipulated that a certain proportion of low-priced houses should be built for applicants of the "Home Ownership Scheme" to purchase at special prices. However, due to the large subsidies invested by the government, in order to ensure that the subsidies are truly implemented to low- and middle-income families and to prevent speculation and profiteering, the government has taken two control measures: First, strictly review the purchase qualifications, such as family income, population size restrictions, and different prices for different-sized houses. Second, impose certain restrictions when the house is re-traded.

此外，香港房屋委员会还推出了“自置居所贷款”计划，公屋住户及有资格入住公屋的家庭在市场上购买楼花或楼龄未逾 15 年的楼宇，可申请自置居所贷款。获得一笔 30 万港元的无息贷款或领取为期 48 个月、每月 2600 港元的按揭还款补助金。

In addition, the Hong Kong Housing Authority has also launched the "Home Purchase Loan Scheme". Public housing tenants and families eligible to live in public housing can apply for a home purchase loan when purchasing off-plan properties or buildings less than 15 years old in the market. They can obtain an interest-free loan of HK$300,000 or receive a mortgage repayment subsidy of HK$2,600 per month for 48 months.

总的来说，香港通过一系列的住房政策和计划，不断改善着居民的住房条件，为居民提供了更多的居住选择和保障。

In conclusion, through a series of housing policies and schemes, Hong Kong is constantly improving the housing conditions of its residents, providing them with more housing choices and security.