Replace affordable housing with a system similar to the "purchasing subsidy" System

After reading today's big talk, I also had the urge to talk about my own point of view.

 

Currently, the primary cause of one or more problems in affordable housing is not the issue of policies, but the inaction of policy executors, regulators themselves are vested interests in poor regulation!

 

What is the current age and the information technology age! Is it so difficult for relevant departments to monitor personal property, especially fixed assets? Is it so difficult to disclose information about affordable buildings? Of course it is quite simple! No one wants to cut off his financial path.

 

My point is:Similar"Housing Subsidy"System replaces Affordable Housing System. That is to say, to meet the housing problem of middle-income people, we can extend the affordable housing system, that is, as long as you buy the first house, the house is "similar" affordable housing.That is to say, every city resident of us has the right to live. For local buyers, that is, they have the right to buy a house at a preferential price (subsidy). This right is the per capita housing area.

 

For example, if a city has a per capita living area of 30 square meters and a couple of new graduates settle in the city and want to buy a house, their annual disposable income is 60 thousand yuan. So they chose a house of 65 square meters, and 60 square meters of the House can enjoy the price of affordable housing. The other 5 square meters need to be purchased at the price of commercial housing, if the price of affordable housing is 4000 square meters, and the price of commercial housing is 8000 square meters, they need to pay 0.28 million yuan (about 5-6 years of income ). They borrowed 80 thousand yuan from their parents, relatives, and friends, and lent 0.2 million yuan in 10 years, so they wanted to own their own housing. (They will have the right to sell the property in the future, but only 5 square meters of the property can be obtained, that is, 5/65 of the premium is owned by the individual, and the rest belongs to the country .)

Five years later, they had good economic conditions. The annual disposable income of the two was 0.1 million yuan. Maybe they had children. They needed better housing conditions and decided to buy a 100-square-meter house. If they didn't sell the old house, they had to pay the full price of the 100-square-meter house. If the price was calculated as 8000-square-meter, the price would be 0.8 million yuan. If they buy new houses and sell old ones at the same time, they can continue to enjoy preferential prices (subsidies) for purchasing new houses ). So it is also the price of 60 square meters to enjoy affordable housing, and the price of 40 square meters to deal with the price of commercial housing. If the price of affordable housing is 4000 square meters, and the price of commercial housing is 8000 square meters, they need to pay 0.56 million yuan (which is about the income of two people in 5-6 years ). They made a 0.16 million down payment and made a 0.3 million loan for 10 years. They also wanted to own their own housing. (They will have the right to sell the property in the future, but only 40 square meters of the property can be obtained, that is, 40/100 of the premium is owned by the individual, and the rest belongs to the country .)

 

The above property is only limited to apartment, that is, ordinary residential apartment (including multi-storey, small high-rise, high-rise). villas and townhouses should be excluded from the discount list.

I think this method may be feasible for the housing problem in a middle-income group like ours.

For low-income people (about 30 thousand of their annual income), they first live in low-rent housing. After a few years, they can buy a smaller house, such as a 50-square-meter house. The discount is only 0.2 million yuan, A 10-year loan of 0.15 million and a down payment of 50 thousand won't be too difficult for any family in the city.

For migrant workers who come to work in cities, they need to solve the housing problem (because there are houses in rural areas ). Therefore, low-rent housing is targeted at such a mobile crowd or people with lower annual income. They have real estate, but not in this city, but in other cities or rural areas.