明匯智庫建議運用強積金助港青置業-明匯智庫

明匯智庫建議運用強積金助港青置業

2025-08-15 12:33

<p style="margin-bottom:27px; margin-left:0px; margin-right:0px; margin-top:27px; text-align:justify">明匯智庫今日（2025年8月13日）舉行《2025特首施政報告建議書》發佈會﹐公佈明匯智庫圍繞青年居住及置業、青年創新創業、人工智能及創科教育三大議題所提出的12條建議。明匯智庫副總監黎達成表示，研究發現超過八成的青年有置業意願，但高樓價及缺乏首期資金令他們望樓卻步，建議政府容許提取強積金作為首期購屋並提供以強積金為擔保的「首置免息貸款」、「青年置業儲蓄計劃」等支援措施，減輕首置和供樓負擔。</p> <section contenteditable="false" data-arttype="img_1" data-attr="[{&quot;img_link&quot;:{&quot;type&quot;:&quot;lnk_wrap&quot;,&quot;link&quot;:[{&quot;val&quot;:&quot;&quot;}]}},{&quot;img_border&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;0&quot;}},{&quot;border_color&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;#dddddd&quot;}},{&quot;image_scale&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;100&quot;}}]" data-insertafter="true" data-readonly="true" style="margin:27px 0;"> <section class="atrWidget widget_img_1 addTools" data-ratio="custom" data-slectratio="1,1.5,1.3333,1.7778,1.6,custom" data-uploadimage="1" data-viewmode="0"> <section class="j_sortable ui-sortable"> <section class="sortItem"><a href="javascript:;" style="display: block;text-align:center;" target="_blank" title=""><img alt="124724_nCnENx.png" class="j_img_border j_border_color j_scale_img" data-bigsrc="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_RtCVME.png" data-default="/resource/img/widgets/article/default/img_1.png" src="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_SZBZte.png" style="border: none;" width="100%"></a></section> </section> </section> <section class="desWrap" contenteditable="true" style="text-align: center;font-size: 14px;color:#999;padding-top: 6px;"> <p class="imgdes isplaceholder" placeholder="圖片描述，不輸入則不顯示" style="text-align:justify"></p> </section> </section> <p style="text-align:justify">明匯智庫副總監黎達成表示，明匯智庫對香港青年的置業問題一直進行深入研究﹐今年更委託香港可持續發展研究中心﹐在2025年6月透過網上問卷﹐收集了逾千名15–31歲香港青年的意見，結果顯示接近一半（約45%）的受訪青年把置業視為人生優先目標，但是﹐他們是「高學歷、低收入」﹐卻要承受「高房價、難負擔」的困境。大部分受訪者月入不高（中位數約1.85萬港元），近七成具專上教育背景但薪酬增長追不上樓價飆升；近六成仍與父母同住，只有約8%擁有自置居所，反映目前房價雖然有所調整﹐但依然高企令許多年輕人有意買樓卻力不從心，對五年內成功上車有信心的僅約22%。超過半數人指出樓價過高是置業最大障礙，其次是供樓及首期負擔沉重，租金昂貴等因素也有一定影響。儘管政府近年推行多項措施，但青年住房壓力未見根本緩解。因此，黎達成表示，明匯智庫建議政府可推出針對青年的⼀次性或長期支援措施，減輕首置和供樓負擔。尤其是允許青年提前提取部分強積金累算權益，用作購買首置自住房屋的首期資金。為青年提供更多置業資助。此項措施是參考新加坡公積金等模式﹐規定可規定提取額不得超過強積金結餘的一定比例，僅限首次自置居所之用，並要求日後出售物業時將提取部分歸還退休帳戶。同時，設立以個人強積金為擔保的「首置免息貸款」及提供首期資助津貼。雖然青年人的強積金結餘金額可能不高，也可以幫助符合條件的青年﹐籌集購房首付款並降低按揭壓力及供樓負擔。</p> <section contenteditable="false" data-arttype="img_2" data-attr="[{&quot;img_link&quot;:{&quot;type&quot;:&quot;lnk_wrap&quot;,&quot;link&quot;:[{&quot;val&quot;:&quot;&quot;},{&quot;val&quot;:&quot;&quot;}]}}]" data-insertafter="true" data-readonly="true" style="margin:27px 0;"> <section class="atrWidget widget_img_2"> <section class="j_sortable ui-sortable" style="display: flex;justify-content: space-between;margin:0 -5px;"> <section class="sortItem addTools" data-ratio="1.6" data-slectratio="1,1.6" data-sortable="1" data-uploadimage="1" data-viewmode="0" style="margin:0;width: 50%;padding:0 5px;"><a href="javascript:;" style="display: block;" target="_blank" title=""><img alt="125739_fARW6t.png" data-bigsrc="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_1y8HqM.png" data-default="/resource/img/widgets/article/default/img_2_3_4.png" height="100%" src="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_qsUzcw.png" width="100%"></a></section> <section class="sortItem addTools" data-ratio="1.6" data-slectratio="1,1.6" data-sortable="1" data-uploadimage="1" data-viewmode="0" style="margin:0;width: 50%;padding:0 5px;"><a href="javascript:;" style="display: block;" target="_blank" title=""><img alt="130102_PHAK0Y.png" data-bigsrc="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_RvAmPF.png" data-default="/resource/img/widgets/article/default/img_2_3_4.png" height="100%" src="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_3rc6va.png" width="100%"></a></section> </section> </section> <section class="desWrap" contenteditable="true" style="text-align: center;font-size: 14px;color:#999;padding-top: 6px;"> <p class="imgdes isplaceholder" placeholder="圖片描述，不輸入則不顯示" style="text-align:justify"></p> </section> </section> <p style="text-align:justify">協助進行有關研究的香港可持續發展研究中心主任朱兆麟補充，政府現行的緩解青年居住困難及資助青年置業計劃行之有效，不過也有供不應求及輪候時間過長等問題，建議在資源分配機制上，更多地考慮青年的需求，例如,提高青年之中單身人士在資助房屋中的配額至至少20%，擴大「白表/綠表置居計劃」，讓中等收入的青年家庭亦有置業機會。考慮在資助房屋項目中引入延遲支付部分首期或提供免息貸款墊付首期的措施，盡量降低青年購買資助房屋的門檻。</p> <section contenteditable="false" data-arttype="img_1" data-attr="[{&quot;img_link&quot;:{&quot;type&quot;:&quot;lnk_wrap&quot;,&quot;link&quot;:[{&quot;val&quot;:&quot;&quot;}]}},{&quot;img_border&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;0&quot;}},{&quot;border_color&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;#dddddd&quot;}},{&quot;image_scale&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;100&quot;}}]" data-insertafter="true" data-readonly="true" style="margin:27px 0;"> <section class="atrWidget widget_img_1 addTools" data-ratio="custom" data-slectratio="1,1.5,1.3333,1.7778,1.6,custom" data-uploadimage="1" data-viewmode="0"> <section class="j_sortable ui-sortable"> <section class="sortItem"><a href="javascript:;" style="display: block;text-align:center;" target="_blank" title=""><img alt="132925_CsPTqQ.png" class="j_img_border j_border_color j_scale_img" data-bigsrc="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_eTSm7X.png" data-default="/resource/img/widgets/article/default/img_1.png" src="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_DB99YA.png" style="border: none;" width="100%"></a></section> </section> </section> <section class="desWrap" contenteditable="true" style="text-align: center;font-size: 14px;color:#999;padding-top: 6px;"> <p class="imgdes isplaceholder" placeholder="圖片描述，不輸入則不顯示" style="text-align:justify"></p> </section> </section> <p style="text-align:justify">另外，出席發佈會的港區全國人大代表、明匯智庫榮譽顧問黃冰芬表示，明匯智庫提出有關推動創科教育改革，培育青年數字素養，提升青年對人工智能認知及應用、加強青年創新創業支援完善港青在大灣區創業生態發展等措施，反映出目前青年的普遍關注。她認爲香港目前很重視人工智能的發展，但許多事情還需要加快推動，尤其盡快推出《香港人工智能發展行動計劃》，明確人工智能在教育，金融、醫療、物流、智慧城市等領域的應用目標。因此，期待行政長官在今年的施政報告對上述問題有所回應。她作爲全國人大代表，也會向内地有關方面反映，協助推動兩地合作，進一步加大對港青在大灣區創新發展的支持力度。</p> <section contenteditable="false" data-arttype="img_1" data-attr="[{&quot;img_link&quot;:{&quot;type&quot;:&quot;lnk_wrap&quot;,&quot;link&quot;:[{&quot;val&quot;:&quot;&quot;}]}},{&quot;img_border&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;0&quot;}},{&quot;border_color&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;#dddddd&quot;}},{&quot;image_scale&quot;:{&quot;type&quot;:&quot;style_wrap&quot;,&quot;val&quot;:&quot;100&quot;}}]" data-insertafter="true" data-readonly="true" style="margin:27px 0;"> <section class="atrWidget widget_img_1 addTools" data-ratio="custom" data-slectratio="1,1.5,1.3333,1.7778,1.6,custom" data-uploadimage="1" data-viewmode="0"> <section class="j_sortable ui-sortable"> <section class="sortItem"><a href="javascript:;" style="display: block;text-align:center;" target="_blank" title=""><img alt="133743_DaC9YL.png" class="j_img_border j_border_color j_scale_img" data-bigsrc="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_LftF5Q.png" data-default="/resource/img/widgets/article/default/img_1.png" src="/data/uploads/hk208_20180816144106_fcc545ac568/images/article_component/145169/20250815_134008_R4hWGN.png" style="border: none;" width="100%"></a></section> </section> </section> <section class="desWrap" contenteditable="true" style="text-align: center;font-size: 14px;color:#999;padding-top: 6px;"> <p class="imgdes isplaceholder" placeholder="圖片描述，不輸入則不顯示" style="text-align:justify"></p> </section> </section> <p style="text-align:justify">明匯智庫成立於2016年，由全國政協委員、香港金利來集團主席曾智明發起成立，是一個密切聯繫社會各界，積極參與政府建言獻策，在灣區內具影響力的行動型智庫。</p> <p style="-webkit-text-stroke-width:0px; background-color:#ffffff; box-sizing:border-box; color:#000000; font-family:&quot;Microsoft YaHei&quot;,Tahoma,Verdana,STHeiTi,simsun,sans-serif; font-size:17px; font-style:normal; font-variant-caps:normal; font-variant-ligatures:normal; 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