Page 152 - Demo

- 27 -- 10 -12 %u81ea%u7f6e%u5c45%u6240%uff0f%u7f6e%u696d%u8cc7%u52a9%u8cb8%u6b3e(%u7e8c) 12 HOME PURCHASE/HOME ASSISTANCE LOANS (Continued)(a) %u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e%u8a08%u5283 (a) Home Purchase Loan Scheme (HPLS)%u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e%u8a08%u5283%u70ba%u623f%u59d4%u6703%u53ca%u623f%u5c4b%u5354%u6703%u8f44%u4e0b%u5c4b%u90a8%u7684%u73fe%u5c45%u4f4f%u6236%u53ca%u5df2%u78ba%u5b9a%u5408%u8cc7%u683c%u5165%u4f4f%u516c%u5171%u623f%u5c4b%u7684%u6e96%u4f4f%u6236%u63d0%u4f9b%u514d%u606f%u8cb8%u6b3e%uff0c%u5354%u52a9%u4ed6%u5011%u8cfc%u8cb7%u79c1%u4eba%u6a13%u5b87%u6216%u5c45%u5c4b%u7b2c%u4e8c%u5e02%u5834%u55ae%u4f4d%u3002%u9019%u4e9b%u8cb8%u6b3e%u7684%u6700%u9577%u9084%u6b3e%u671f%u70ba 20 %u5e74%u3002%u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e%u8a08%u5283%u5df2%u65bc 2002 %u5e74 12 %u6708 31 %u65e5%u7d42%u6b62%u3002The HPLS provides interest-free loans to assist sitting tenants of the Authority and the Housing Society, and prospective tenants with established eligibility for public housing to purchase flats in the private sector as well as those under the Secondary Market Scheme. The loans are repayable over a period up to a maximum of 20 years. The HPLS was terminated on 31 December 2002.(b) %u512a%u60e0%u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e%u8a08%u5283 (b) Enhanced Home Purchase Loan Scheme%u512a%u60e0%u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e%u8a08%u5283%u65bc 1995 %u5e74 6 %u6708%u901a%u904e%u5be6%u65bd%uff0c%u7531%u767c%u5c55%u57fa%u91d1%u64a5%u6b3e%uff0c%u65bc 1995-96 %u5e74%u5ea6%u53ca 1996-97 %u5e74%u5ea6%u70ba%u7da0%u8868%u7533%u8acb%u4eba%u63d0%u4f9b%u514d%u606f%u8cb8%u6b3e%u6216%u88dc%u52a9%u91d1%uff0c%u9f13%u52f5%u4ed6%u5011%u81ea%u884c%u7f6e%u696d%uff0c%u5f9e%u800c%u9a30%u51fa%u79df%u4f4f%u55ae%u4f4d%u518d%u4f5c%u7de8%u914d%u3002%u9019%u4e9b%u8cb8%u6b3e%u6309%u6a13%u5b87%u6309%u63ed%u4e88%u9280%u884c%u7684%u5e74%u671f%u6524%u9084%uff0c%u6700%u9577%u70ba 20 %u5e74%u3002The enhanced HPLS was approved in June 1995 to provide interest-free loans and subsidies funded by the Development Fund to the green form applicants who could apply for assistance under the Scheme during 1995-96 and 1996-97, with a view to encouraging them to purchase flats and give up their rental flats for re-allocation. The loans are repayable over the same period as the bank mortgage taken out on the property, up to a maximum of 20 years.(c) %u7f6e%u696d%u8cc7%u52a9%u8cb8%u6b3e%u8a08%u5283 (c) Home Assistance Loan Scheme (HALS)%u7f6e%u696d%u8cc7%u52a9%u8cb8%u6b3e%u8a08%u5283%u65bc 2003 %u5e74 1 %u6708 2 %u65e5%u63a8%u51fa%uff0c%u53d6%u4ee3%u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e%u8a08%u5283%uff0c%u8a08%u5283%u53ca%u5f8c%u65bc 2004 %u5e74 7 %u6708 14 %u65e5%u7d42%u6b62%u3002%u9019%u985e%u514d%u606f%u8cb8%u6b3e%u7684%u6700%u9577%u9084%u6b3e%u671f%u70ba 20 %u5e74%u3002The HALS was implemented from 2 January 2003 to replace the HPLS. The HALS was terminated on 14 July 2004. Theinterest-free loans are repayable over a period of up to a maximum of 20 years.(d) %u51fa%u552e%u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e (d) Sale of Home Purchase Loans2000-01 %u5e74%u5ea6%uff0c%u623f%u59d4%u6703%u8207%u9999%u6e2f%u6309%u63ed%u8b49%u5238%u6709%u9650%u516c%u53f8%u9054%u6210%u5354%u8b70%uff0c%u5206%u6279%u51fa%u552e%u81ea%u7f6e%u5c45%u6240%u8cb8%u6b3e%u4e88%u8a72%u516c%u53f8%uff0c%u6700%u5f8c%u4e00%u6279%u8cb8%u6b3e%u65bc 2003 %u5e74 11 %u6708%u51fa%u552e%u3002%u8cb8%u6b3e%u4ee5%u9762%u503c%u51fa%u552e%uff0c%u5176%u5f8c%u623f%u59d4%u6703%u9808%u6309%u6263%u9664%u501f%u6b3e%u4eba%u511f%u9084%u672c%u91d1%u5f8c%u7684%u5df2%u51fa%u552e%u8cb8%u6b3e%u9918%u984d%uff0c%u6bcf%u6708%u7e73%u4ed8%u6309%u9999%u6e2f%u9280%u884c%u540c%u696d%u62c6%u606f%u70ba%u57fa%u6e96%u8a08%u7b97%u7684%u5229%u606f%u3002%u5728%u51fa%u552e%u8cb8%u6b3e%u5f8c%uff0c%u4f30%u8a08%u672a%u4f86%u5229%u606f%u6b3e%u984d%u7684%u73fe%u503c%u5df2%u78ba%u8a8d%u70ba%u958b%u652f%u548c%u8ca0%u50b5%u3002%u65bc 2024 %u5e74 3 %u6708 31 %u65e5%uff0c%u4e26%u6c92%u6709%u5269%u9918%u8ca0%u50b5%u5728%u64a5%u5099%u53ca%u5176%u4ed6%u8ca0%u50b5(%u9644%u8a3b 18)%u4e0b%u5448%u5831(2023%uff1a1 %u4edf%u6e2f%u5143)%u3002The Authority entered into an agreement with The Hong Kong Mortgage Corporation Limited (HKMC) in 2000-01 whereby home purchase loans were sold to the HKMC in tranches. The last tranche of loan sale was completed in November 2003. The loans were sold at par and a monthly interest is payable at rates based on Hong Kong Interbank Offered Rate (HIBOR) on the balance of the portfolio sold after repayment of principal by the borrowers of home purchase loans. The present value of the estimated future interest payments was recognised as an expense and a liability when the loans were sold. As at 31 March 2024, there was no remaining liability reported under provisions and other liabilities (Note 18)(2023: HK$0.001 million).- 27 -