环球经济坏消息接二连三，各地楼市急挫，澳门亦然。中原（澳门）地产代理执行董事郭朝隆表示，今年楼价急挫五成，政府早前公布多项政策协助居民置业，楼市渐暖。倘美国无发生大事，估计至明年上半年，楼市楼价不再大跌，甚至保持平稳,最快明年下半年重拾升轨。他认为政府今次重开四厘补贴，有条件应考虑让每位本地居民一生有一次享用政策的权利。

郭朝隆表示，“楼市淡系事实”，政府早前宣布多个协助居民置业措施，对楼市有支持作用，成交量逐渐回升。十一月成交量较最差的十月上升三成，十二月至今已有二百五十至三百宗成交。

投资者纷损手，成交个案以用家为主。尽管如此，不少有意置业用家仍隐藏实力，期待楼市真正跌停再入市。他指出，楼价未必已见底，但已接近低位，置业风险较楼市高峰期减低，即使楼市再跌两成，也不及从高峰急跌五成有吸引力，相信有意置业用家会因政策优惠推动而入市。郭朝隆认为已是入市时机，楼市最坏时期已经过去。

環球經濟壞消息接二連三，各地樓市急挫，澳門亦然。中原（澳門）地產代理執行董事郭朝隆表示，今年樓價急挫五成，政府早前公佈多項政策協助居民置業，樓市漸暖。倘美國無發生大事，估計至明年上半年，樓市樓價不再大跌，甚至保持平穩,最快明年下半年重拾升軌。他認為政府今次重開四厘補貼，有條件應考慮讓每位本地居民一生有一次享用政策的權利。

郭朝隆表示，“樓市淡係事實”，政府早前宣佈多個協助居民置業措施，對樓市有支持作用，成交量逐漸回升。十一月成交量較最差的十月上升三成，十二月至今已有二百五十至三百宗成交。

投資者紛損手，成交個案以用家為主。儘管如此，不少有意置業用家仍隱藏實力，期待樓市真正跌停再入市。他指出，樓價未必已見底，但已接近低位，置業風險較樓市高峰期減低，即使樓市再跌兩成，也不及從高峰急跌五成有吸引力，相信有意置業用家會因政策優惠推動而入市。郭朝隆認為已是入市時機，樓市最壞時期已經過去。

Property markets all over the world have suffered a downturn in the wake of continuously bad new about the economy, and the property market in Macau has not gone unscathed. According to Centaline (Macau) Property Agency Executive Director Kwok Chiu Lung, property prices have fallen 50% this year, prompting the government to announce several new policies to help citizens buy a home. If no more bad news emerges from the US economy, the property market is likely to stabilise in the first half of next year, with property prices possibly rising again in the second half. He thinks it advisable for the government to seek ways to ensure that every citizen is able to avail him or herself once in his or her lifetime to the recently resumed 4% home buying interest rate subsidy.

He says that in response to the sluggish property market the government has launched several schemes to help people buy, which is good for the property market. There are signs that property transactions are gradually picking up. November volume increased 30% on that of October, which was the worst month. The number of property transactions has risen from 250 to 300 since early December.

While many investors have lost money on their property deals, most current purchases are made by homebuyers, while there are still potential buyers waiting for property prices to hit bottom. Kwok maintains prices are approaching the bottom, although they may not have reached it yet; nevertheless, the risk in buying property is now greatly reduced compared to when the market was at its peak. Now that property prices have fallen 50%, a further fall of 20%, even if likely, would not be as inviting a proposition. It is believed that homebuyers will purchase by taking advantage of the government’s favourable policies. Kwok believes that the worst of the property market downturn is over and says that it is now advisable for people to buy. 

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政府宣布零九年重开四厘利息补贴计划，对未有物业的澳门永久居民自置居所，该房地产物业价值又在三百万元及以内，实行四厘利息补贴，置业者并可同时申请政府新增的提供首期两成担保，惟购房者至少需承担百分之十的首期，政府担保部分亦不超过该物业价值的百分之二十。此一担保与四厘利息补贴可同时生效。此外，政府也将向立法会提案继续实施首三百万元的不动产转移印花税的豁免（仅限于居住单位），且调低物业转移印花税至百分一，使之成为长期性的税务制度。行政长官何厚铧表明，在今后一段时间内都不考虑重开投资置业移民政策，但相信通过上述措施，既可协助青年、中产置业，纾缓公共房屋的供应压力，也可盘活楼市。

亦有业界人士表示，通过政府这些补贴政策逐步推行，加上楼价逐步回复合理水平，成交将会增加，市场自能盘活。在多种因素影响下，相信澳门楼市也不会一面倒向下插， 且楼市现时已去到一个合理的水平，无疑是置业的好时机。

政府宣佈零九年重開四厘利息補貼計劃，對未有物業的澳門永久居民自置居所，該房地產物業價值又在三百萬元及以內，實行四厘利息補貼，置業者並可同時申請政府新增的提供首期兩成擔保，惟購房者至少需承擔百分之十的首期，政府擔保部分亦不超過該物業價值的百分之二十。此一擔保與四厘利息補貼可同時生效。此外，政府也將向立法會提案繼續實施首三百萬元的不動產轉移印花稅的豁免（僅限於居住單位），且調低物業轉移印花稅至百分一，使之成為長期性的稅務制度。行政長官何厚鏵表明，在今後一段時間內都不考慮重開投資置業移民政策，但相信通過上述措施，既可協助青年、中產置業，紓緩公共房屋的供應壓力，也可盤活樓市。

亦有業界人士表示，通過政府這些補貼政策逐步推行，加上樓價逐步回復合理水準，成交將會增加，市場自能盤活。在多種因素影響下，相信澳門樓市也不會一面倒向下插， 且樓市現時已去到一個合理的水準，無疑是置業的好時機。

The government recently announced that the 4% Interest Rate Subsidy Scheme would be resumed early in 2009 for permanent residents buying their first home priced at MOP3 million or less. Homebuyers may concurrently apply for the government’s 20% guarantee for a mortgage loan, provided that the buyer makes at least 10% down payment for the purchase, and that the mortgage loan guaranteed by the government does not exceed 20% of the property’s purchase price.

In addition, the government is going to present a motion to the Legislative Assembly that it continue to exempt property transfer stamp duty on properties of up to MOP3 million on the first residential property transfer deal, and a decrease of stamp duty to 1% for other real estate transactions, and that these initiatives be incorporated into the tax regime on a long term basis. Chief Executive Edmund Ho made it clear that the previous Investment Immigration Scheme would not be resumed in the near future; instead, the above-proposed measures may help enable residential properties to become affordable to young and middle-class citizens, thereby relieving pressure on demands for public housing as well as reviving the stagnant property market.

The property industry feels confident that the government’s new subsidy schemes, with the return of property prices to a reasonable level, will stimulate property transactions and eventually revive the property market. It is believed Macao’s property market will not go into an irreversible decline. As current property prices have returned to a reasonable level, it is obviously a favourable time for home buying. 

运输工务司司长刘仕尧透露，政府不但将在今年内全部落实首阶段7000个公屋兴建计划，亦正积极透过换地、重建低密度旧社屋等方式增加公屋及土地资源储备，除争取于2010年底前落实兴建19000个公屋单位外，还规划有4000个公屋单位。但他强调，政府不会一次过用尽所有土地储备兴建公屋响应需求。尤其近年相关统计数字反映，有不少公屋轮候者上楼意欲下降或不符资格被除名，加上市场楼价开始下调和外雇退场等，亦将相对减轻居民的住屋压力。市场上有逾万个空置单位应市，以及11000个在建新楼，且空置单位中有逾七成为1000平方呎以下的二手旧楼，应是经屋竞投者自置物业的对象。但在建新楼宇中却有超过八成为逾一千平方呎、并非公屋竞投者所能承担的大单位，公屋的供求仍有落差，故政府未来应因应社会经济发展、私人楼市情况及居民的实际需求，弹性调整公屋发展规划，力求让公屋资源长期得以善用，以响应及稳定居民的住屋需求。

運輸工務司司長劉仕堯透露，政府不但將在今年內全部落實首階段7000個公屋興建計劃，亦正積極透過換地、重建低密度舊社屋等方式增加公屋及土地資源儲備，除爭取於2010年底前落實興建19000個公屋單位外，還規劃有4000個公屋單位。但他強調，政府不會一次過用盡所有土地儲備興建公屋回應需求。尤其近年相關統計數字反映，有不少公屋輪候者上樓意慾下降或不符資格被除名，加上市場樓價開始下調和外僱退場等，亦將相對減輕居民的住屋壓力。市場上有逾萬個空置單位應市，以及11000個在建新樓，且空置單位中有逾七成為1000平方呎以下的二手舊樓，應是經屋競投者自置物業的對象。但在建新樓宇中卻有超過八成為逾一千平方呎、並非公屋競投者所能承擔的大單位，公屋的供求仍有落差，故政府未來應因應社會經濟發展、私人樓市情況及居民的實際需求，彈性調整公屋發展規劃，力求讓公屋資源長期得以善用，以回應及穩定居民的住屋需求。

Secretary for Transport and Public Works (SOPT) Lau Si Io said that the government is not only going to implement the first-phase construction project of 7,000 public residential units by the end of this year but will also endeavour to increase the number of public houses and land reserve at its disposal through land exchange and the reconstruction of old communities with low housing density. In addition to ensuring that by the end of 2010 some 19,000 public residences will be available, the government has plans for an additional 4,000 public residences to be built. The secretary emphasised, however, that the government is not going to provide all available land for a one-off development of public housing just to meet housing demand. This seems to be confirmed by the latest figures indicating that some of the applicants for public housing are less eager to buy their own properties while others are disqualified by failing to meet eligibility conditions. In addition, the downturn in property prices and the withdrawal of migrant workers has helped depress housing demand.

Some 11,000 housing units are under construction, in addition to the existing 10,000 apartments awaiting buyers. Some 70% of unsold flats are second-hand units measuring less than 1,000sq.ft, which could conceivably be bought by public housing applicants. However, more than 80% of apartments currently under construction are larger than 1,000sq.ft, and are obviously unaffordable to public housing applicants, thus a gap between demand and supply for public housing remains. Consequently, the government should adjust its public housing policy from time to time in line with social and economic development and the status of the property market, as well as take into account residents’ actual needs. The government should flexibly tune its public house programme to meet and stabilise residents’ housing needs to ensure that public housing resources are put to good use in the long term.