Who can say what is the housing security system in Singapore?

(1) The housing provident fund system provident fund is the source of funds for public housing construction, which enables the government to build public housing in a rolling way, and at the same time helps low-and middle-income people pay down payment and installment payment when buying a house. This way of compulsory savings ensures the rolling use of public housing construction funds. As a form of social security savings, the provident fund system is a compulsory savings system established by the Singapore government in 1955. Employers and employees of state organs or private institutions need to deposit a certain percentage of employees' monthly salary into the personal account of the Central Provident Fund Bureau, and the government has made full use of this system when building and selling "apartments". (2) Singapore government has played a leading role in housing security. It makes a housing construction plan every five years, and the newly built houses are called "apartments". In order to ensure the smooth implementation of the plan, the government not only specially allocated state-owned land and appropriated private land for the Housing Development Bureau to build houses, but also provided low-interest loans to the Housing Development Bureau for financial support. At present, more than 90% of housing in Singapore is funded by the government, and "HDB" provides housing security for all citizens. (3) Reasonable allocation of "apartments" People who buy or rent "apartments" in Singapore initially obtained housing in the order of registration. Later, it was changed to a subscription system. The government publishes the construction plan once every quarter, and people who order and apply for houses draw lots. After winning the lottery, they signed a house purchase contract and paid the down payment after the house purchase was reviewed. Usually you can live in a new house in about two years. This approach has narrowed the gap between supply and demand in different regions and different types of housing. In addition, the Singapore government has also formulated a strict application and review system to effectively prevent the use of "unit ownership" for speculative activities. (IV) Graded Subsidy Policy The Singapore government strictly determines the level of housing security according to family income, and provides graded housing subsidies to low-and middle-income people in various forms to help them buy houses. The government has formulated different degrees of preferential policies for families who buy different housing areas. For families who can't afford to buy a house, the government allows them to rent an "apartment" and then gives them a discount when they can afford to buy a house. The Singapore government also stipulates that when housing is renovated, the allowance is inversely proportional to the size of the living area, so as to alleviate the social housing pressure and advocate economy. (V) Laws and Regulations In order to ensure the smooth implementation of various measures of the housing security system, the Singapore government has formulated detailed and comprehensive laws and regulations, such as the Singapore Reform Law and the Housing and Development Law. Four. Comparison of foreign housing security systems Through the introduction and analysis of housing security systems in Germany, the United States and Singapore, we can find that each country has its own characteristics in housing security. The following will compare and study the characteristics of housing security systems in these countries from three aspects.