PEOPLE with overseas property or substantial assets may be excluded from the sandwich class housing scheme. Legislators yesterday voted 31 to six in favour of the long-awaited $2-billion scheme, which will provide more than 4,000 families with a loan of up to $500,000 to buy flats. Under the proposal put to legislators yesterday, applicants are only barred from owning Hongkong property during the two years prior to their application. But independent legislator member Emily Lau Wai-hing asked why those with overseas property should be eligible and queried whether it was really impossible for the Government to check whether applicants had overseas property. Her colleague, Edward Ho Sing-tin, asked why the Government did not make substantial assets - for example, $1 million in bank deposits - another disqualification condition. The Secretary for Planning, Environment and Lands, Tony Eason, promised to consider the suggestions.