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To form an OC, owners shall convene an owners’ general meeting to appoint Management Committee (MC) members in accordance with the Building Management Ordinance (BMO). For appointment of MC members, only the members appointed in accordance with BMO can be registered in Land Registry and be entitled to have rights and power.

Yes, if the applicant is eligible to apply for BMGS, the grant should be firstly used to repay existing loan already approved and released by the BD.

Elderly applicants should first apply for the Home Renovation Interest-free Loan before applying for Home Renovation Hardship Grant for his/her domestic unit.
In addition, the applicant should be a holder of a valid Hong Kong Identity Card; and the registered owner of the subject premises (domestic unit) who fulfills one of the following items:

  • recipient of Comprehensive Social Security Assistance(CSSA); or
  • recipient of Normal Old Age Allowance (NOAA); or
  • aged 60 or above or disable, and holder of Medical Fee Waiver; or
  • aged 60 or above or disable, and meeting the income and asset limits as below:

Monthly Income Limit: HK$9,855 (Singleton), HK$16,845 (Couple)

Asset Limit: HK$343,000 (Singleton), HK$520,000 (Couple)

(Version dated: Feb 2019)

* Please refer to the Social Welfare Department website http://www.swd.gov.hk/ for details

Elderly applicants should first apply for the Home Renovation Interest-free Loan before applying for Home Renovation Hardship Grant for his/her domestic unit.
In addition, the applicant should be a holder of a valid Hong Kong Identity Card; and the registered owner of the subject premises (domestic unit) who fulfills one of the following items:

 

  • recipient of Comprehensive Social Security Assistance(CSSA); or
  • recipient of Normal Old Age Allowance (NOAA); or
  • aged 60 or above or disable, and holder of Medical Fee Waiver; or
  • aged 60 or above or disable, and meeting the income and asset limits as below:

Monthly Income Limit: HK$9,855 (Singleton), HK$16,845 (Couple)
Asset Limit: HK$343,000 (Singleton), HK$520,000 (Couple)
(Version dated: Feb 2019)

* Please refer to the Social Welfare Department website http://www.swd.gov.hk/ for details

The owners concerned may apply for the following grants, subsidies or loans subject to their own eligibilities:
a. Eligible owners with financial difficulties can apply for “Hardship grant for the Common Area Repair Works Subsidy (CAS)” to pay the full cost of the works approved, grant amount capped at HK$10,000.
b. Elderly owners can apply for "Building Maintenance Grant Scheme for Elderly Owners (BMGS)”, grant amount capped at HK$40,000.
c. Non-elderly owners can apply for “Building Safety Loan Scheme” (BSLS) from the Buildings Department, loan amount capped at $1 million.

Eligible and approved application will enjoy the following subsidies:

General repair works subsidy

The total amount of subsidy for each application (whichever is the lower):

  • 20 units or below  30% of the approved cost of general repair works and related consultancy fee, capped at HK$150,000
  • 21-49 units  20% of the approved cost of general repair works and related consultancy fee,capped at HK$150,000
  • 50 units or more  20% of the approved cost of general repair works and related consultancy fee; or not more than HK$3,000 per unit, capped at HK$1,200,000

 
If the maintenance works include green/ environmental friendly works,the building will enjoy the following subsidy:

Green Item Subsidy

The total amount of green item subsidy for each application (whichever is the lower):

  • 20 units or below 30% of the approved cost of green item and related consultancy fee, capped at HK$75,000
  • 21-49 units 20% of the approved cost of green item and related consultancy fee, capped at HK$75,000
  • 50 units or more 20% of the approved cost of green item and related consultancy fee; or not more than HK$1,500 per unit, capped at HK$600,000

Before an application is made for a hardship grant for a domestic unit, the OC of the related building should have obtained Approval-in-Principle (AIP) notification for either “Common Area Repair Works Subsidy” .
In addition, the applicant should be a holder of a valid Hong Kong Identity Card; and the registered owner of the subject premises (domestic unit) who fulfills one of the following items:

  • recipient of Comprehensive Social Security Assistance(CSSA);or
  • normal Old Age Allowance (NOAA); or
  • aged 60 or above or disabled, and holder of Medical Fee Waiver; or
  • aged 60 or above or disabled, and meeting the income and asset limit as listed below:

Monthly Income Limit: HK$9,855 (Singleton), HK$16,845 (Couple)
Asset Limit: HK$343,000 Singleton, $520,000(Couple)
(Version dated: Feb 2019)
* Please refer to the Social Welfare Department website http://www.swd.gov.hk/ for details

“Common Area Repair Works Subsidy” under the Integrated Building Rehabilitation Assistance Scheme (IBRAS) implemented by URA can provide financial assistance on repair works in common parts. Eligible individual owners can also apply “Common Area Repair Works Hardship Grant” (maximum amount $10,000). Apart from this, Building Maintenance Grant Scheme for Elderly Owners (BMGS) (maximum amount $40,000) funded by the government and administered by HKHS and Building Safety Loan Scheme (BSLS) (maximum amount $1million) implemented by Buildings Department can subsidize or provide loans to individual owners to share the expense related to repair works in common parts.

Schemes

 

The interest rate is set at Government of the Hong Kong Special Administrative Region’s no-gain-no-loss rate which is reviewed on a monthly basis.

The URA will provide technical support and commission independent building surveyor consultants (BSC). BSC will assess the survey report, tender documents and works contract provided by the IO's consultant to provide 3rd party professional opinions. Moreover, BSC will provide building rehabilitation costs assessment so that owners have more understanding on the costs.

After the completion of the approved works, loans will be deposited into the bank account under the name of the applicant.

Upon receipt of the supporting documents certified by Qualified Professional (QP) or Authorized Person (AP) on the completion of approved works in the common area from Owners’ Corporation (OC) or owners’ representatives, and the verification by the Urban Renewal Authority, the approved hardship grant will be released to the bank account of the OC or the owners’ representatives or the applicant.

All registered owners of private buildings are eligible to apply for the loan irrespective of the values of their properties. If the applicant is required to provide security by execution of a legal charge registered against the title of his property, the maximum loan amount to be granted will not exceed the market value of the property concerned. If the applicant has an undischarged bankruptcy order, the loan application will not be approved.

No, it cannot. OC should submit the application form prior to the commencement of repair works and the appointment of Authorized Person or Qualified professional.

The works must be carried out by registered contractor. Owners have to provide the Business Registration Certificate of the contractor and the quotation listing all repair works item and respective costs breakdown. Repair works must be complied with the related regulations. For example, certificate of completion of works submitted to the Buildings Department (BD) from appointed Minor Works Contractor and subsequent confirmation letter from BD. For details, please refer to the Application Note.

If the applicant passes away, Buildings Department (BD) will cease to release the outstanding approved loan. Regarding the loan already released, BD will require the Administrator for the applicant to repay the amount with interest accrued in one go. If the Administrator refuses to repay the loan, BD will recover the loan from the indemnifier, i.e. the guarantor.

Buildings should fulfill all of the following criteria:

 

  • Private residential or composite (commercial & residential) buildings aged 30 or above (according to the Occupation Permit), excluding residential buildings not exceeding 3 storeys; and
  • Buildings of an average rateable value per residential unit not exceeding $162,000 p.a. in the urban areas including Shatin, Kwai Tsing and Tsuen Wan or $124,000 p.a. in the New Territories; and
  • Buildings not in single ownership; and
  • OCs/co-owners having received MBIS Pre-Notification Letters or Statutory Notices issued by BD; and
  • Applicant is required to appoint a person whose name is for the time being on the Inspectors’ Register kept by the BA for the prescribed inspection.
  • Application should be submitted before the appointment of RI.

Individual owner can apply the Building Safety Loan Scheme from BD for the loan of his/her contribution amount of works contract.

Upon receipt of claim form, the Urban Renewal Authority will grant the subsidy subject to the verification of completed works. Then the subsidy will be released to OC’s bank account. OC should resolve the disposal arrangement of the subsidy at an owners’ general meeting.

The loan will be released by no more than 3 stages according to the actual progress of works. Interest will start accruing on the drawdown date of each loan based on the prevailing interest rate.

Only one registered owner is required to handle the loan application, including executing a loan agreement in the Buildings Department after the loan has been approved. Other registered owners should give consent to the loan application by signing the application form.

The total amount of subsidy for CAS is based on the number of units including residential and commercial units.

Applicant should provide the spouse’s death certificate and declare the assets of the deceased, the asset limit is the same as that for singleton.

Applicant should submit the application form prior to commencement of the works. After completion of work, applicant should notify the Applications Section of Hong Kong Housing Society (HKHS) and submit photocopies of related license of registered contractor and completion certificate as requested by the relevant legislation for arrangement of site inspection conducted by the HKHS staff or its representatives. After the verification of completion of works by HKHS, the amount of the approved grant will be released to the applicants.

Works item fulfils the criteria of Green Item Subsidy include: External wall paint comply with the guideline of the scheme; or certified materials, products or fixings, etc being used for building repairs or new installation

After the confirmation of the completion of common area repair works, the Hong Kong Housing Society will release the subsidy to the applicants.

The maximum grant for each elderly owner of each solely-owned unit under BMGS is HK$40,000. Hence, the owner of this unit cannot apply for the grant again.

One of the eligibility criteria for HRIL is that the domestic property must be solely or jointly owned by individuals (not owned by companies). Any domestic unit owned by a company cannot fulfill such a criterion.

The applicant must be the owner of a private building, be it a domestic, composite, commercial or industrial building. The loan should be used for carrying out the following building maintenance works: improvement of the structure of the building; safety of external walls; fire safety; fire services installations and equipment; building and sanitary services; slopes and retaining walls; removing unauthorised building works (UBWs); and illegal rooftop structures. Applicant should have appointed qualified building professionals/competent contractors to supervise the works.

Applicant must submit income proof and asset declaration.  Applicant is required to make statutory declaration to confirm that all information and evidences supplied are genuine and correct. 
 
Computation of income excludes monthly contribution to Mandatory Provident Fund, Disability Allowance, Old Age Allowance and mortgage repayment of the self-occupied property.  Computation of asset excludes the value of the property in which the applicant resides.Applicant must submit income proof and asset declaration.  Applicant is required to make statutory declaration to confirm that all information and evidences supplied are genuine and correct. 
 
Computation of income excludes monthly contribution to Mandatory Provident Fund, Disability Allowance, Old Age Allowance and mortgage repayment of the self-occupied property.  Computation of asset excludes the value of the property in which the applicant resides.

The subsidy amount is based on the undivided shares of the elderly’s ownership. For example, if the elderly owns 30% share of ownership of the flat, he / she can get up to HK$40,000 x 30%.

Subject to the provision of all required information and supporting documents, the processing time for a loan application is normally 14 days for the removal of unauthorised building works, and 21 days for repair works in the common areas of buildings.

In case the registered owner cannot lodge the loan application by himself/herself, he/she may authorise another person to act for him by executing a power of attorney in a law firm. The authorisation should specify that the person concerned has been authorised to act for the owner in dealing with the loan application and loan repayment relating to the property. The authorisation is not confined to any specific form, and may be modified by the solicitor according to the need of the owner.

For early repayment, the borrower is required to apply to the Building Safety Loan Scheme Unit of Buildings Department in writing. If approved, the borrower will not need to pay penalty/penalty interest or administration fee. Interest will accrue up to one calendar day before the repayment date.

Applicant should submit photocopies of related license of registered contractor and completion certificate as requested by the Hong Kong Housing Society. If the applicant fails to submit the required documents, subsidy may not be granted.

BMGS and HRLS are two separate schemes with different eligibility criteria. For an eligible applicant who has been granted $40,000 under BMGS, he is also eligible to apply for HRLS to carry out window repairs in individual flat in case he received either MWIS Pre-Notification Letter or Statutory Notice. For applicant who has applied and is eligible for HRLS, he may also apply for HRHG if he meets the eligibility criteria. However, each repair item can only be granted subsidy or loan once and no duplication of financial assistance will be given.

The amount of the loan is subject to a ceiling of HK$1 million per unit of accommodation. For a loan of HK$50,000 or above, the applicant should provide security. A company/corporate applicant must provide security irrespective of its loan amount. Security may be provided by providing a Deed of Indemnity, executing a legal charge on a property in Hong Kong or providing a Letter of Guarantee issued by a licensed bank in Hong Kong, subject to the loan amount.

The applicant for BMGS should be a holder of a valid Hong Kong Identity Card; aged 60 or above; the owner-occupier of a residential flat in a private domestic building or composite building; applicant and his/her spouse (if married) should be residing in the property; and should comply with the prescribed income and asset limits as follows:
- Monthly Income Limit: HK$7,970 (Singleton), HK$13,050 (Couple)
- Asset Limit: HK$686,000 (Singleton), HK$1,040,000 (Couple) 

 

(Version dated: Feb 2019)

Under normal circumstances, applicant will receive notification letter of the result after submission of relevant documents and flat inspection conducting by the Hong Kong Housing Society (HKHS). Applicant who fails to provide the required supporting documents or fails to arrange flat inspection by the HKHS staff or its representatives will delay the processing of the application.

To be qualified to apply for the loan, the successor (the new owner) is required to obtain a Letter of Administration or Probate, and to register himself as the Administrator/Executrix or registered owner of the property at the Land Registry.

No. Only the building owners having received MBIS Pre-notification Letters or Statutory Notice can apply MBISS.

Applicant must commence the home renovation works after receipt of the written approval from the Urban Renewal Authority.

The applicant must notify Buildings Department (BD) immediately. The outstanding balance on the approved loan, together with interest accrued (if applicable), has to be settled in a lump sum. Upon receipt of notification, BD will arrange to send or fax a demand note to the applicant so that he/she can repay the amount accordingly.

Single ownership buildings are not eligible for the Mandatory Building Inspection Subsidy Scheme.

For application of Building Safety Loan Scheme, all applicants should submit: an application form; and a copy of the applicant’s Hong Kong Identity Card;
 
For application of loans relating to comprehensive building repair works, applicants should submit: works contract/tender document; minutes and notice of the owners’ general meetings with the calculation method for the apportionment of repair costs to each accommodation unit specified; and copy of the repair order/investigation order (if any). 
 
If the maintenance works relating to the loan application is coordinated by the Owners’ Corporation (OC) of the building or the resident organization concerned, which is willing to help provide the necessary documents, the Buildings Department (BD) will directly contact the OC or the resident organization for access to the documents.
 
If the application of loan is related to the demolition of unauthorized building works, the applicant is required to submit a quotation (with the items of works and their prices listed in detail), a copy of the removal order (if any); and a copy of the Business Registration Certificate of the contractor.

Before an application is made for a hardship grant for a domestic unit, the OC of the related building should have obtained Approval-in-Principle (AIP) notification for either “Common Area Repair Works Subsidy” .
In addition, the applicant should be a holder of a valid Hong Kong Identity Card; and the registered owner of the subject premises (domestic unit) who fulfills one of the following items:

 

  • recipient of Comprehensive Social Security Assistance(CSSA);or
  • normal Old Age Allowance (NOAA); or
  • aged 60 or above or disabled, and holder of Medical Fee Waiver; or
  • aged 60 or above or disabled, and meeting the income and asset limit as listed below:

Monthly Income Limit: HK$9,855 (Singleton), HK$16,845 (Couple)
Asset Limit: HK$343,000 Singleton, $520,000(Couple)
(Version dated: Feb 2019)
* Please refer to the Social Welfare Department website http://www.swd.gov.hk/ for details

At the time of submission of an application form, an applicant must be aged 60 years and is residing with his/her spouse (if married) in the property. They must comply with the prescribed income and asset limits.

There are interest-bearing loans and interest-free loans. For interest-bearing loans - the applicant is not required to undergo any means tests. For interest-free loans, the applicant must be:
(a) a recipient of the Comprehensive Social Security Assistance (CSSA); or
(b) a recipient of the Normal Old Age Allowance; or
(c) earning income and possessing assets (including those of other household member(s)) within the prescribed limits.

The scope of works covers building safety related maintenance works in a residential flat and /or in building common areas, e.g. improvement of structural aspects of building, improvement of safety of external elevations of building, repair or replacement of defective window, improvement of fire safety of building, provision, improvement and maintenance of fire service installations and equipment of buildings, removal of unauthorized building works and illegal rooftop structures, improvement of building and sanitary services, repair of waterproofing membranes at rooftops and flat roof and works to alleviate water seepage problem, maintenance or improvement works for slopes and retaining walls, improvement of fire and building safety of cubicles.

The subsidy is applicable to works relating to demolition of unauthorized building works of individual units or works related to safety, hygiene and environment.

An indemnifier must be a Hong Kong resident and holder of Hong Kong Permanent Identity Card over 18 years of age, gainfully employed, able to supply a business address and provide a tax assessment or relevant income proof to demonstrate the adequacy of his financial resources. In this regard, a company cannot act as an indemnifier. If one of the directors of the company applicant satisfies the aforesaid conditions of an indemnifier, he can act as an indemnifier in his own capacity for the loan granted to the company applicant.

If there are defaulted works, Buildings Department will release the loan according to the works progress report on the actual progress of the completed works submitted by the Owners' Corporation (OC). The remaining amount of the approved loan will not be released, and the applicant is required to start repaying the released loan after one month. If the OC will conduct a re-tendering exercise to complete the defaulted building repair works in future, the owner can apply for the loan accounting for the cost of the repair works to be carried out.

If there is any variation works, applicants should notify the Administration immediately. Variation works should be commenced after obtaining approval in writing from the Administration.

The subsidy amount is based on the undivided shares of the elderly’s ownership. For example, if the elderly owns 30% share of ownership of the flat, he / she can get up to HK$40,000 x 30%.

If the maximum grant (the amount of grant calculated proportionally according to his/her share of ownership in the unit) has not been used up, the applicant can apply the residual amount of Building Maintenance Grant Scheme for Elderly Owners for carrying out other repair works.

The first repayment by instalments will be due one month after the final drawdown of the loan. The maximum repayment period is 36 months for an interest-bearing loan and 72 months for an interest-free loan.

The interest rate is set at Government of the Hong Kong Special Administrative Region’s no-gain-no-loss rate which is reviewed on a monthly basis.

Applicant (individual flat owner) should submit the Integrated Building Rehabilitation Assistance Scheme (IBRAS) application form (for individual flat owner) with the following supporting documents to the Urban Renewal Authority either by post or in person:

 

  1. Copy of valid Hong Kong Identity Card (all registered owners of the property)
  2. Copy of applicant’s bank account information
  3. Copy of the latest Rates Demand Note of the property
  4. Copy of income proof

In general, all repairs works must be commenced upon receipt of approval from the Urban Renewal Authority (URA). Applicant may make a request to the URA if an emergency situation encounters and provide relevant documents for consideration.

No, eligible applicant of the BMGS must be an owner-occupier of a residential flat in a private domestic building or composite building.
 

For repair work projects carried out to the common areas of buildings, the approved loan will be released to the applicant or the Owners’ Corporation (OC) authorised by the applicant by no more than 3 stages according to the actual progress of the works. The applicant/OC should submit a works progress report certified by the Authorised Person (AP) and the contractor (where applicable).

The first repayment by instalments will be due one month after the final drawdown of the loan. The maximum repayment period is 36 months for an interest-bearing loan and 72 months for an interest-free loan.

Borrower may opt for early repayment of the loan by giving 1 month’s written notice to the Urban Renewal Authority.Borrower may opt for early repayment of the loan by giving 1 month’s written notice to the Urban Renewal Authority.

Applicant must submit income proof and asset declaration.  Applicant is required to make statutory declaration to confirm that all information and evidences supplied are genuine and correct. 
 
Computation of income excludes monthly contribution to Mandatory Provident Fund, Disability Allowance, Old Age Allowance and mortgage repayment of the self-occupied property.  Computation of asset excludes the value of the property in which the applicant resides.

If the maximum grant (the amount of grant calculated proportionally according to his/her share of ownership in the unit) has not been used up, the applicant can apply the residual subsidy amount of BMGS for carrying out other repair works.

There is no such limit for BMGS. Each eligible applicant and the spouse (if married) are eligible for a maximum grant of HK$40,000. Each residential flat unit is eligible to receive a maximum grant of HK$40,000.

A maximum grant of $40,000 is available for each eligible elderly owner-occupier. The scope of grant covers repair works in a residential flat and/ or in building common areas. For application of grant for repair works in a residential flat, application form should be submitted prior to commencement of the works. For application of grant for repair works in building common areas, application form should be submitted prior to the date of Practical Completion Certificate for completion of repair works. Flat inspection and screening of the quotation will be conducted by the HKHS staff before release of grant.

Upon completion of the release of the loan, Buildings Department (BD) will send a “notice of release of loan” and the repayment schedule to the applicant. The repayment schedule will set out the monthly due date and the repayment amount of each instalment. Applicant can settle the repayment by the following methods:
(a) bank autopay;
(b) bank automated teller machines;
(c) Payment by Phone Service (PPS);
(d) bill payment services through the Internet provided by banks and PPS;
(e) payment sent to the Treasury PO Box; or
(f) payment made in person at any post offices.
If the applicant settles the repayment by a method other than autopay, he will receive a demand note a few days prior to the payment due date each month. For repayment by autopay, the autopay arrangement will become effective only upon receipt of a confirmation letter from BD on the autopay arrangement.

No income and asset test under HRIL is required, but the related property must be the only property owned by each applicant in Hong Kong, in any form or manner. Applicant might be required to produce income proof to prove his/her repayment ability.