首次破壞經濟生態

自 次 置 業 貸 款 計 劃 剛 推 出 時 ， 我 已 指 出 ， 月 入 六 七 萬 的 家 庭 ， 應 有 能 力 靠 自 己 的 能 力 去 置 業 ， 無 需 納 稅 人 加 以 資 助 。 現 時 的 樓 價 比 構 思 這 項 計 劃 時 已 低 了 四 成 ， 原 有 的 資 助 對 象 變 得 更 不 適 合 。 近 期 已 有 多 個 案 例 顯 示 ， 有 人 拿 了 首 次 置 業 貸 款 ， 去 買 一 般 人 心 目 中 近 乎 豪 宅 的 樓 宇 ， 譬 如 何 文 田 新 推 出 的 御 龍 居 就 有 首 置 貸 款 受 惠 者 的 呭 跡 。 事 實 上 ， 月 入 七 萬 ， 拿 一 半 收 入 供 樓 ， 月 供 可 達 三 萬 五 千 元 ， 有 資 格 向 銀 行 貸 款 三 百 多 萬 ， 以 貸 款 額 最 高 達 樓 價 的 七 成 推 算 ， 即 有 條 件 買 四 百 多 五 百 萬 的 樓 ， 這 個 銀 碼 的 樓 已 遠 離 一 般 人 心 目 中 的 上 車 盤 的 範 圍 。 
過 往 香 港 人 改 善 生 活 的 階 梯 ， 是 先 買 舊 樓 、 細 樓 ， 再 換 新 樓 大 樓 ； 一 級 一 級 換 上 去 ， 工 作 的 目 標 ， 亦 成 了 社 會 經 濟 增 長 的 動 力 。 香 港 人 努 力 生 產 ， 熱 誠 服 務 ， 賺 取 外 簕 ， 儲 蓄 買 樓 ， 不 斷 加 大 港 元 資 產 的 持 有 量 ， 既 可 穩 定 經 濟 又 可 成 為 經 濟 發 展 的 動 力 。 這 是 一 種 經 過 幾 十 年 自 然 演 變 的 經 濟 生 態 環 境 ， 一 旦 受 到 破 壞 ， 必 定 會 造 成 災 害 ， 首 置 貸 款 計 劃 正 起 著 破 壞 經 濟 生 態 的 平 衡 作 用 。 
有 讀 者 可 能 不 明 白 什 麼 生 態 環 境 ， 可 以 最 簡 單 的 食 物 鏈 為 例 。 泥 土 裏 有 細 菌 製 造 植 物 所 需 的 養 料 ， 養 料 提 供 植 物 生 長 ， 讓 食 草 類 動 物 可 以 繁 殖 ， 以 供 養 食 肉 類 動 物 的 生 存 ， 動 物 的 排 泄 、 屍 體 ， 又 可 以 成 為 細 菌 的 養 料 ， 這 種 平 衡 的 循 環 就 是 一 種 生 態 環 境 。 如 果 其 中 一 個 環 節 出 了 問 題 ， 其 他 環 節 一 樣 會 受 影 響 。 
航 海 家 曾 不 經 意 地 把 老 鼠 帶 進 一 海 島 ， 結 果 大 量 繁 殖 ， 把 原 有 的 生 態 平 衡 破 壞 ， 結 果 把 某 些 土 生 的 動 植 物 弄 到 絕 種 。 
首 置 貸 款 現 正 起 著 這 種 破 壞 經 濟 生 態 的 作 用 ， 換 樓 的 階 梯 也 可 以 看 成 是 類 似 食 物 鏈 一 樣 的 東 西 ， 一 級 扣 著 一 級 ， 不 能 斷 也 不 能 加 插 。 首 置 貸 款 如 果 被 用 來 買 原 先 的 換 樓 盤 而 非 上 車 盤 ， 等 如 在 原 先 的 階 梯 的 中 間 加 插 了 一 級 ， 讓 人 可 以 跳 級 。 這 樣 原 先 的 上 車 盤 靠 誰 來 買 ， 多 少 人 一 生 努 力 積 蓄 可 能 化 為 烏 有 。 現 在 有 些 舊 區 ， 如 西 環 、 灣 仔 、 大 角 咀 、 深 水 兪 等 ， 還 有 不 少 單 幢 式 的 舊 樓 ， 將 來 誰 還 會 買 ， 可 能 最 後 淪 為 紐 約 哈 林 區 一 樣 的 貧 民 窟 ， 無 人 願 買 ， 任 由 流 浪 者 霸 佔 。 
這 樣 受 影 響 的 將 來 不 只 是 一 部 分 人 ， 而 是 整 個 投 資 地 產 的 意 欲 亦 會 受 破 壞 。 令 中 產 階 級 失 去 努 力 工 作 的 目 標 ， 令 社 會 失 去 凝 聚 力 ， 甚 至 產 生 信 貸 危 機 。 因 此 ， 破 壞 長 期 演 化 出 來 的 以 投 資 地 產 為 中 心 的 經 濟 生 態 平 衡 是 非 常 危 險 的 。