Talking about the purchase of Home Ownership Scheme flats

Starting from the third year from the date of first sale, HOS owners can choose to resell their flats to the HA and the Housing Society in the secondary market of HOS. Tenants of residential units, authorized residents of interim housing under the Housing Authority or persons who have obtained Green Form qualification certificates from the Housing Department are not required to pay premium. Owners can apply for a "certificate of sale" to each lease management office or housing subsidy loan group. Fill in the application form and return it to the lease management office together with the application fee and a copy of the title deed. Applicants must pay the application fee by cheque or cashier's check (currently 620 yuan) payable to "Hong Kong Housing Authority of China". After examining the application, the Housing Department will issue a "Certificate of Sale" to the HOS owner concerned. Owners and their spouses who have successfully sold HOS flats can no longer participate in any housing subsidy schemes of the HA (including public housing, Home Ownership Scheme, Private Sector Participation Scheme, Home Loan Scheme, Home Ownership Scheme Secondary Market Scheme and Tenants Purchase Scheme) and any housing subsidy schemes of the Housing Society.

& lt open market transfer >

Five years later, after five years from the date of first sale, HOS owners can pay the premium to the HA before selling, renting or transferring their flats in the open market. After five years from the date of first sale, HOS owners can enter into an agreement for the sale and purchase of their flats, but they must pay the premium assessed by the Housing Department within 28 days from the date of agreement (or within the period specified by the Housing Department) before completing the formalities for signing the assignment of the flats. It is against the Housing Ordinance to sell, lease or transfer a unit without paying the assessed premium. Upon conviction, he can be fined 500,000 yuan and imprisoned for one year, and resale or transfer is invalid.

& lt calculation method of insurance premium >

Premium = market value at premium x ((total market value at purchase-original property price)/total market value at purchase x 100%)

Premium market value = 65438+800,000 yuan.

The total market value at the time of purchase = 65,438+0,000,000 yuan.

Original price of the property = 600,000 yuan

Premium = 65438+800,000 yuan x (( 1 10,000 yuan-600,000 yuan)/1 10,000 yuan x 100%)

= 65438+800,000 yuan x 40%

= 720,000 yuan

, reference: rl// pages/room, 1. All HOS flats sold directly by the Housing Department are not required to pay premium.

2. For example, if the price is 2 million, do you still need to pay the premium beyond this 2 million?

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