毅進學歷夫婦申請公屋入息超標 究竟要份工?定係要間公屋?

文: U Magazine
2022.04.04

截至去年底,公屋輪候時間達6 年,再創22年新高!在樓價持續高企而人工又無加的環境下,難怪不少人認為獲編配公屋「上樓」,就等於中了六合彩頭獎,立即成為人生贏家!但有自稱兩夫婦學歷為「毅進仔」的網民遇上「公屋人生交叉點」:輪候公屋4 年收到信即將要進行入息審查,但家庭入息超標!於是在連登討論區詢問意見:「要份工?定係要間公屋?」大家又會點揀呢?

樓主表示輪候公屋4 年,即將排到收信要審查,而兩夫婦現時薪金連雙糧花紅津貼及OT,月入約50K,現時以約10K租金租住私樓。樓主都預計到今次入息審查一定不能通過,因為入息同資產值都超標!但由於輪候公屋的機制中,若因家庭收入/資產超額被取消,日後如因家庭狀況有所改變,或入息/資產有所調整而再次符合申請資格,房屋署可考慮恢復其申請,但必須在首次被取消後6個月至2年內提出,而樓主就表示想以重審的機會上樓,然後考慮日後買白居二或抽居屋。

樓主現職私人司機,平均月薪約29K,工作壓力細且老闆相當好人,樓主相信若辭職,日後也難以找到可以相比的好工。於是查詢網民意見:究竟是否應該為了符合公屋入息要求而辭工呢?

正輪候公屋的樓主表示現時家庭入息超標,但考慮是否應辭職,以便在重審的時候可以再有機會上樓。

份工好,儲多幾年錢買私樓?
有網民就回應:「份工穩定嘅話,寧願捱多幾年儲首期買樓,好工可遇不可求」、「做私人司機,理論上同老細好熟,唔教你犯法,你叫佢減你人工減到萬5,叫你老婆唔好返工住咪得」,「唔建議辭工, 既然你之後都係想買樓,而你又講兩公婆好好彩先有而家人工,兩年前仲搵緊28K,而家有50K,其實可以直接搵上車盤,唔洗做租租啦。」樓主回應已跟老細商量過,老細不會幫手。同時長遠一點看,「如果抽到居屋畀首期完全唔係問題,私樓就真係搞唔掂。老婆份工唔穩定,加上供樓條路一定唔易行,如果一個唔小心有咗BB就gg,但係住公屋同拎公屋買或抽居屋就一定好有信心無負擔;份工,人工同舒服到我願意幫佢打一世工,但老細都有返咁上下年紀,應該捱唔到去我退休。」

有網民認為既然樓主兩夫婦現時人工不差,又遇到好老闆,不如儲多幾年錢買環境較佳的私樓。

梗係攞咗間公屋先!
 亦有網民就覺得值得為間公屋單位,先辭工。「一定辭工!唔講公屋點點點,有綠表已經兩個世界,又可以唞兩年,司機唔驚無工開啦!」、「份工今日幾好幾穩定,將來都會有變數。你自己都講好難搵得返宜家呢個人工,咁就當然拎公屋係優先。」,雖然有網民質疑樓主有條件但放棄買私樓,態度不上進,但亦有網民辯護:「道理你啱,但你細想,司機無進升空間,俾人炒咁點,人工難聽啲講overpaid,有公屋就唔同,可以綠表,租平,唔使管理費,另一邊揾一啲現金出糧/hea工加副業又得,睇你自己有冇上進心嘅姐!至於向上流動,其實自己個代擁有有層樓,已經向上咗,未計佢父母嘅樓同資產呢?住公屋真係慳咗好多使費,點計都升,有啲話就話住私樓,但夾硬上樓,地方細,要供樓仲綁手綁腳。」

但亦有網民認為既然樓主講到其實薪金不穩定,值得暫時犧牲現時工作,選擇公屋。

網民認為有綠表資格買到居屋,日後再轉售,已經賺晒!

text/Joyce
photo/HKET圖片庫


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