請問：我媽媽想買居屋，但公屋名單上現在只得好一人。
1. 她是否合乎資格抽? 因她自己沒有收入，能否按貸？因是子女負責供樓。

2. 她百年歸老後，子女不是居屋名單，如何承受？是否一定要賣？



謝！

1) 可以聯名, 做mortgage時加埋你個名上去就可以
2) 由於係聯名, 同長命契, 所以會又另一個人自動承接

因我不是公屋名單上的人，是不能聯名。
我的情況連白表也不合，他們會否需要我承受時補回地價才能承受?

1)   Your mother can apply,  even with first piority,   also Bank mortgage no problem when you can show your income proof and bank record.    Because Government provided guarantee to the Bank.   I have the same case ,   so mortgage at Bank Of China.
2)    You can apply 長命契 at the lawyer firm,   so your mother's property will switch to you after xx.

Continued
1)  Even the mortgage name can only be 'your mother'.

cHow an i add my name to the new flat? since my name is not in the resident list of original public house.

You cannot add your name,   this house is under your mother's name.    That's why you need to sign up 長命契 at the lawyer firm,   so your mother's property (including this house) will switch to you after she xxx.

其實你可以向HA直接問清楚, 佢地會答你所有問題架

Thank u for ur sharing

Is it the same case as u? you suggestions have already being tried by you?
if the answer is yes....I can release my worry now la

yes,  I have the same situation.

長命契不等如平安紙，
長命契---如果物業是聯名的，長命的業主得到整個業權；
平安紙---業權是你母親一人的，她可以隨時再立另一張。

你的意思是我不能立長命契，因我不能加名，但平安紙就可以？
平安紙卻有別一些不能控制的變數？

Right, I think you get the point.  Also consider consent from Housing.

what document you actually done?
長命契(但我不能加名)，or 平安紙？

平安紙