正义的伙伴
转售组屋或更有赚头 把剩余屋契卖回给政府赚养老金还划算吗？_我的网站
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Ecological restoration
For over 30 years, Wensuyalatu, a member of the leadership group of the Urad Rear Banner forestry and grassland bureau, has made the Gobi Desert his workplace, dedicating his life to combating desertification, advancing ecological restoration through technological innovation, and helping local herders increase their incomes, according to the local bureau's official WeChat account.
Located on the edge of the desert in Bayannur's Urad Rear Banner, it is a key area in China's Three-North Shelterbelt Forest Program, a major ecological project aimed at strengthening the country's northern ecological security barrier.
However, early afforestation efforts in the desert were far from easy at the start.
The project covers 103,800 mu (about 6,920 hectares), including comprehensive treatment of 24,500 mu of desertified land, ecological restoration of 4,100 mu of non-desertified land, and 75,200 mu of enclosed grassland restoration. The project also includes the construction of 11 small-scale water conservation facilities, all of which required strict standards and extensive coordination.
The project also includes the construction of 11 small-scale water conservation facilities, all of which required strict standards and extensive coordination.
In 1991, Wensuyalatu, then in his early 20s, chose to devote himself to forestry and grassland conservation in the Urad Rear Banner. Since then, he has remained on the front lines of desertification control, witnessing the region's harshest environmental challenges and working to find solutions adapted to the fragile desert ecosystem.
In the early years, afforestation in the Gobi Desert was an extremely difficult task. The most critical planting season in spring often coincided with the strongest sandstorms of the year. Every year during the key afforestation period, Wensuyalatu would stay deep in the desert, guiding workers on planting techniques and management practices, while carefully overseeing every detail of the ecological restoration projects.
"Every spring, the wind and blown sand were so strong that it was hard to keep your eyes open. The sand hit your face like needles. During the day, we followed workers to dig holes and plant trees, and at night we stayed in temporary shelters to organize data and review the day's work. That was the normal routine for desertification fighters," Wensuyalatu recalled.
The road to restoring the desert was far from easy. Years of drought, low survival rates of seedlings, and skepticism from some local residents created major obstacles.
"At the beginning, it was really difficult. The climate was extremely dry, and many seedlings died after being planted. Some herders did not understand or support the work. They believed deserts were naturally barren and that no amount of effort could make trees grow there," Wensuyalatu said.
To change these perceptions, Wensuyalatu brought local residents to see firsthand the damage caused by desert expansion. Through visible results and long-term communication, he gradually won the understanding and support of the community.
Facing the ecological challenges of the Urad Rear Banner, Wensuyalatu began exploring new approaches beyond traditional restoration methods.
Since 2004, he has led efforts to tackle desert restoration challenges by introducing large-scale aerial seeding projects, creating a breakthrough approach for restoring degraded desert ecosystems in the region.
"Compared with traditional methods, aerial seeding is more efficient and can cover wider areas. Based on local climate and soil conditions, we select suitable desert plant seeds and precisely control the seeding height, density and timing to improve survival rates as much as possible and accelerate desert recovery," Wensuyalatu explained.
After years of effort, the aerial seeding projects under Wensuyalatu's leadership have restored more than 800,000 mu of desert land, with an effective restoration rate of 62.2 percent.
He also developed an integrated management approach combining "protection, management, retreat, restoration and publicity," establishing a mixed vegetation system of trees, shrubs and grass to curb desert expansion and reduce sandstorms at their source.
Beyond restoring greenery, Wensuyalatu has also focused on strengthening scientific research and protecting native desert species.
Starting in 2010, he devoted himself to the artificial cultivation of endangered native desert plants. After more than a decade of repeated experiments, he successfully developed cultivation techniques for rare species such as the endangered evergreen broadleaf shrub Ammopiptanthus mongolicus, Mongolian almond and drought-resistant elm.
Under his leadership, his team cultivated 6.5 million seedlings and completed more than 4,000 mu of high-quality afforestation projects, with seedling survival rates consistently exceeding 80 percent.
For Wensuyalatu, desert restoration is not only about creating ecological benefits, but also about improving people's livelihoods.
He has long promoted the idea that "trees should bring both ecological value and economic value." By leveraging local desert resources, he helped establish a 10,000-mu industrial base for desert plants and cistanche - a medicinal plant often grown in desert environments - across four key local villages, integrating ecological restoration with specialty desert industries.
"In the past, people thought desertification control was simply about planting trees - it took a lot of efforts but brought little income. Now things are different. By planting trees and developing industries such as cistanche cultivation, desert land can generate real wealth," a local herder said.
To ensure that local communities benefit from ecological development, Wensuyalatu introduced enterprises, supported family forest farms and professional cooperatives, and promoted large-scale, market-oriented operations.
The once barren desert has gradually become a "green treasure chest" for local herders, achieving a win-win outcome: greener landscapes, improved ecosystems, stronger businesses and higher incomes.
"Desertification control is not just an ecological project, but also a project that benefits people," Wensuyalatu said.
"Only when communities gain real benefits from protecting nature will they actively participate in ecological conservation. That is the key to making restoration efforts sustainable and achieving the vision that lucid waters and lush mountains are invaluable assets," Wensuyalatu said.
Global Times
。 本地组屋屋契回购计划近年来一直处于不温不火的状态。（联合早报）胥视你如何看待组屋在新加坡，如果要用组屋来套现，一般人第一直觉相信都会是把组屋转售。然而，实际上还有一种稍微冷门的以屋套现途径——屋契回购计划（Lease Buyback Scheme）。这是政府自2009年以来推出的计划，主要目的是为了让本地年长者通过将组屋部分屋契回售给建屋局，以补充退休收入。要参加屋契回购计划必须符合以下条件：65岁以上；必须至少有一名屋主是新加坡公民；不能同时拥有第二间房产；已达最低居住年限（MOP）。参加屋契回购计划者可选择要将多少年的屋契卖回给建屋局，并根据自身年龄和需求保留15年至35年不等的屋契，前提是剩余的屋契年限足够让屋主住到至少95岁。屋契回购的收入将被用来填补屋主的公积金退休户头及购买公积金终身入息计划（CPF LIFE），剩余款项会以现金形式交给屋主，屋主另外还能获得介于7500新元到3万新元的现金花红。屋主参与屋契回购计划的收益将存入公积金退休户头和用以购买公积金终身入息计划。（海峡时报）是投资还是安家？只不过，近来本地组屋转售市场非常火烫，当局最近甚至因此又宣布了新的房市降温措施。此时此景，难免令人质疑，把屋契卖回给建屋局，真的划算吗？直接把组屋丢到转售市场上卖，会不会比较有赚头？首先，这取决于你对组屋抱着何种心态。
B | 是把组屋视为投资，还是当成想要在此终老的家？对于打算“原地终老”的国人来说，屋契回购计划有一定吸引力。据亚洲新闻台报道，新加坡政策研究所（IPS）副所长余国安分析指出，如果个人将组屋视为打算终老的住所，那无论组屋转售价格好不好，其实也压根不必考虑是否要在公开市场上转售组屋。“因为一旦我把组屋卖掉，我就再也不能住在里头了。”相反的，将部分屋契年限卖给建屋局，则能确保屋主既能继续住在原有的组屋，又能用组屋套现，换取一些养老金，提升退休生活品质。纵使转售市场如今火热，市场的未来恐怕没人说得准，参加屋契回购计划也能让屋主未来不必担心房价波动，亦不用操心房价会随屋契年限越来越少而下滑。如何看待组屋，是参与屋契回购计划与否的重要考量。
C | （联合早报）此外，对年长者来说，要搬离已经住惯的老街坊并非易事，除了找新房子要经历一番折腾，新环境往往也需要一些时间适应，说起来大概就是一种“住生不如住熟”的感觉。还有一些观点则认为，屋契回购计划和在公开市场转售孰优孰劣，视乎房型大小，毕竟这牵涉到转售组屋的交易费用会否过多影响屋主的获利空间。新加坡社科大学商学院副教授沈清祥指出，对住在较新和较大组屋的年长者来说，在公开市场转售组屋可能会获得较大收益，因为过程中的交易费用相对来说所占比例较小。“不过，对住在较老和较小组屋的年长者而言，（转售组屋衍生的）直接或间接交易费用可能并不值得。
D | ”因此，对房型较小的屋主来说，屋契回购计划就有其优势。
E | 屋契回购计划的初衷是为了让年长者能获得更多养老金。（联合早报）组屋作为遗产的观念依然普遍无论如何，撇开屋契回购计划的各种利弊，影响该计划热度的最大因素恐怕还是人们的观念。根据建屋局最新数据，截至今年6月30日，本地参与屋契回购计划的住户共达1万2656个。过去五年，每年参与的家庭保持在约1680户，反应可谓不温不火。追根究底，这或许还是与许多新加坡人，尤其是老一辈想把房子作为遗产留给下一代的观念有关。从房型来看，有53%参与屋契回购计划的住户住在三房式或更小的组屋单位，33%住在四房式组屋，住在五房式或更大单位的住户则仅有14%。
F | 较大组屋单位的屋主可能和子孙住在一起，而这些屋主也可能会更倾向把组屋交由后代传承，因此较大房型住户较少参与屋契回购计划的趋势，或许也侧面印证了这种观念依然普及。
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