Singaporean Mandarin Database
This database contains a collection of Mandarin terms which have cultural, historical or sentimental value unique to Singapore. These terms may be used by Singaporeans in the past or at present. Some of the terms are read in print while others are used in our everyday conversations.
Home Protection Scheme (HPS)
Home Protection Scheme (HPS)
释义
名词
专供使用公积金储蓄偿还房屋贷款的会员所设立的保险。
DEFINITION
Noun
An insurance scheme for Central Provident Fund (CPF) members who use their CPF savings to repay housing loans.
由来
- 英语 “Home Protection Scheme” 的意译。
- 1982 年 1 月，中央公积金局（Central Provident Fund Board）首次推出针对组屋屋主的家庭保障计划。
- 在计划下，若屋主不幸离世、身患绝症或面临永久性残疾而无法偿还剩余的房屋贷款，余额将由公积金局还清。
- 根据公积金局的条例，所有通过公积金储蓄偿还每月房屋贷款的屋主，都须申请家庭保障计划。
- 申请条件包括：
- 申请人士味房屋的合法屋主；
- 申请人士已完成房屋贷款申请手续并获得建屋发展局（Housing and Development Board）批准；
- 医生证明申请人士的健康状况良好；
- 申请人士已付清首月保费。
- 若要终止保单，会员需年满 65 岁或已付清剩余的房屋贷款。
- 家庭保障计划的月费将从会员的公积金普通户头（Ordinary Account）中扣除。若是屋主的户头因余额不足而无法扣款，他将需要以现金支付保费。
- 自 2021 年 7 月 1 日开始，中央公积金局将把家庭保障计划的保费调低 10%。
ETYMOLOGY
- The Mandarin term “家庭保障计划” is a paraphrase of the English term “Home Protection Scheme”.
- In January 1982, the CPF Board launched the Home Protection Scheme (HPS) for Housing and Development Board (HDB) flat owners.
- Under this scheme, if the homeowner passes away, is terminally ill, or becomes permanently disabled and thus cannot repay the remaining housing loan, the balance will be borne by the CPF Board.
- According to CPF Board regulations, all homeowners who repay monthly housing loans with their CPF savings must apply for the Home Protection Scheme.
- The application conditions are as follows:
1) The applicant is the legal owner of the flat;
2) The applicant has completed the procedures for housing loan application and the loan has been approved by HDB or an approved mortgagee;
3) A health declaration indicating that the applicant is in good health; and
4) The applicant has already paid the first month’s premium in full.
- To terminate the policy, members must be aged 65 or have paid off their remaining housing loan.
- The monthly premium of the HPS is deducted from the member’s CPF Ordinary Account. If the homeowner does not have sufficient balance in the account, he must pay the premium in cash.
- From 1 July 2021, CPF Board has reduced the premium for the HPS by 10%.
例句
公积金局指出，此次得以调低家庭保障计划的保费，主要是因为投资回报与索偿情况比预期来得理想。（《联合早报》，27/6/2018）
SAMPLE SENTENCE
The CPF Board has said that the reduction in the premium for the HPS is mainly due to the better-than-expected investment returns and claims. (Lianhe Zaobao, 27/6/2018)