居屋2024

As a local citizen, I am excited about the upcoming launch of the Home Ownership Scheme (HOS) 2024. This scheme provides an opportunity for middle-income families to purchase a home at a subsidized price.

In recent years, housing prices have skyrocketed, making it increasingly difficult for ordinary people to own a home. The HOS aims to address this issue by offering affordable housing options to eligible families.

Who is eligible for the HOS?

Hong Kong permanent residents
Aged 18 or above
Have sufficient financial resources to pay the down payment and mortgage
Meet the income and asset limits set by the government

What are the benefits of the HOS?

Subsidized prices: HOS flats are sold at a discount to market value, making them more affordable for eligible buyers.
Low mortgage rates: The government offers low-interest mortgages to HOS buyers, further reducing their financial burden.
Long repayment period: HOS buyers have up to 25 years to repay their mortgages, providing them with greater flexibility and peace of mind.

How to apply for the HOS?

Applications for the HOS 2024 will open in early 2024.
Interested buyers can apply online through the Hong Kong Housing Authority website.
Applicants will need to provide proof of their income, assets, and other eligibility criteria.
Successful applicants will be notified and invited to select a flat from the available units.

The HOS is a valuable program that can help middle-income families achieve their dream of homeownership. If you are eligible and interested in applying for the HOS 2024, be sure to mark your calendar and gather the necessary documents.

As a first-time homebuyer, I am grateful for the opportunity to participate in the HOS. I believe that this scheme will make a positive impact on the lives of many families in Hong Kong.