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Topic: Housing Policy. Many of Singapore's land and housing policies align with the ideas of Henry George, says renowned economist Sock-Yong Phang. Wikimedia Commons. There's a country near Australia that has a home ownership rate of 90 per cent. Its government wants widespread home ownership so its citizens feel like they have a stake in the country. It has a tiny land mass, so the dominant housing type is high density flats, the majority of which are built by the country's Housing Development Board HDB.
The government finances the HDB's deficits and provides loans to the HDB so it can extend mortgage loans to homebuyers with an interest rate of 2. About 94 per cent of the HDB's housing has been sold to households on a year leasehold basis. Since the year , increases in HDB resale prices and private house prices have not exceeded increases in median household incomes, thanks to deliberate efforts by the government.
The country also has a compulsory savings system, similar to Australia's compulsory superannuation, but it's used very differently. It puts a small proportion of someone's compulsory savings aside for their retirement and health-related measures, and a much larger proportion is used for a housing down-payment and mortgage repayments.
Compulsory savings can't be used for rental payments, so home ownership is the default choice for most households. The majority of households living in HDB housing end up servicing their mortgage payments entirely from their compulsory savings, with no cash outlay.