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转售组屋或更有赚头　把剩余屋契卖回给政府赚养老金还划算吗？_我的网站

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A | Dhanush and Kriti Sanon’s latest romantic drama, Tere Ishk Mein, has officially entered the Rs 100 crore worldwide club within just six days of release. Directed by Aanand L Rai, the film continued its impressive run even as it saw its sharpest weekday dip on Wednesday. Early estimates from Sacnilk suggest that the film collected around Rs 6.75 crore net on Day 6, with the Hindi market contributing a substantial Rs 6.4 crore and Tamil markets adding approximately Rs 35 lakh. While Wednesday marked the lowest single-day collection so far, the overall box office performance remains strong. Major metro regions such as Mumbai, Delhi-NCR and Bengaluru are still registering steady footfalls, and mass circuits have maintained consistent numbers through the week. The film opened to an estimated Rs 16 crore on Friday, followed by an even stronger surge over the weekend—Rs 17 crore on Saturday and a peak of Rs 19 crore on Sunday. Monday brought a predictable 50% decline with Rs 8.75 crore, but the film bounced back to Rs 10.25 crore on Tuesday. With Wednesday’s earnings added, Tere Ishk Mein stands at roughly Rs 76.75 crore net in India and around Rs 92.5 crore gross domestically. The film’s overseas contribution of about Rs 8 crore pushed its worldwide gross beyond Rs 100 crore, marking a personal milestone for both leads. For Dhanush, it is now his highest-earning Bollywood film and his first Hindi project to cross Rs 100 crore globally. For Kriti Sanon, it becomes her seventh film to join the coveted club. View this post on Instagram A post shared by Aanand L Rai (@aanandlrai) In interviews, Dhanush described his character Shankar as someone easy to root for but layered with challenges that demanded creative effort. He shared that he gravitates toward roles that push him artistically, calling this one “a good part with a lot of challenge.” As Tere Ishk Mein enters its second week, it faces fresh competition from Dhurandhar. Both films, however, have limited time at the box office before James Cameron’s highly anticipated Avatar: Fire and Ash arrives on December 19, a release expected to dominate screens nationwide.Also Read: Tere Ishq Mein Box Office Day 2: Dhanush’s Film Crosses 30 Crore in Two Days。本地组屋屋契回购计划近年来一直处于不温不火的状态。（联合早报）胥视你如何看待组屋在新加坡，如果要用组屋来套现，一般人第一直觉相信都会是把组屋转售。然而，实际上还有一种稍微冷门的以屋套现途径——屋契回购计划（Lease Buyback Scheme）。

B | 这是政府自2009年以来推出的计划，主要目的是为了让本地年长者通过将组屋部分屋契回售给建屋局，以补充退休收入。要参加屋契回购计划必须符合以下条件：65岁以上；必须至少有一名屋主是新加坡公民；不能同时拥有第二间房产；已达最低居住年限（MOP）。

C | 参加屋契回购计划者可选择要将多少年的屋契卖回给建屋局，并根据自身年龄和需求保留15年至35年不等的屋契，前提是剩余的屋契年限足够让屋主住到至少95岁。屋契回购的收入将被用来填补屋主的公积金退休户头及购买公积金终身入息计划（CPF LIFE），剩余款项会以现金形式交给屋主，屋主另外还能获得介于7500新元到3万新元的现金花红。

D | 屋主参与屋契回购计划的收益将存入公积金退休户头和用以购买公积金终身入息计划。（海峡时报）是投资还是安家？只不过，近来本地组屋转售市场非常火烫，当局最近甚至因此又宣布了新的房市降温措施。此时此景，难免令人质疑，把屋契卖回给建屋局，真的划算吗？直接把组屋丢到转售市场上卖，会不会比较有赚头？首先，这取决于你对组屋抱着何种心态。是把组屋视为投资，还是当成想要在此终老的家？对于打算“原地终老”的国人来说，屋契回购计划有一定吸引力。

E | 据亚洲新闻台报道，新加坡政策研究所（IPS）副所长余国安分析指出，如果个人将组屋视为打算终老的住所，那无论组屋转售价格好不好，其实也压根不必考虑是否要在公开市场上转售组屋。

F | “因为一旦我把组屋卖掉，我就再也不能住在里头了。”相反的，将部分屋契年限卖给建屋局，则能确保屋主既能继续住在原有的组屋，又能用组屋套现，换取一些养老金，提升退休生活品质。纵使转售市场如今火热，市场的未来恐怕没人说得准，参加屋契回购计划也能让屋主未来不必担心房价波动，亦不用操心房价会随屋契年限越来越少而下滑。如何看待组屋，是参与屋契回购计划与否的重要考量。（联合早报）此外，对年长者来说，要搬离已经住惯的老街坊并非易事，除了找新房子要经历一番折腾，新环境往往也需要一些时间适应，说起来大概就是一种“住生不如住熟”的感觉。

G | 还有一些观点则认为，屋契回购计划和在公开市场转售孰优孰劣，视乎房型大小，毕竟这牵涉到转售组屋的交易费用会否过多影响屋主的获利空间。新加坡社科大学商学院副教授沈清祥指出，对住在较新和较大组屋的年长者来说，在公开市场转售组屋可能会获得较大收益，因为过程中的交易费用相对来说所占比例较小。“不过，对住在较老和较小组屋的年长者而言，（转售组屋衍生的）直接或间接交易费用可能并不值得。”因此，对房型较小的屋主来说，屋契回购计划就有其优势。屋契回购计划的初衷是为了让年长者能获得更多养老金。

H | （联合早报）组屋作为遗产的观念依然普遍无论如何，撇开屋契回购计划的各种利弊，影响该计划热度的最大因素恐怕还是人们的观念。根据建屋局最新数据，截至今年6月30日，本地参与屋契回购计划的住户共达1万2656个。过去五年，每年参与的家庭保持在约1680户，反应可谓不温不火。追根究底，这或许还是与许多新加坡人，尤其是老一辈想把房子作为遗产留给下一代的观念有关。从房型来看，有53%参与屋契回购计划的住户住在三房式或更小的组屋单位，33%住在四房式组屋，住在五房式或更大单位的住户则仅有14%。