Macro-control should be a guarantee room decompression

Recently, it has been reported that local banks are phasing out the first purchase of 70 percent interest rate concessions.　　The move triggered a lot of concern from homeowners. It is effective against investment and speculation in order to curb soaring house prices and keep lending rates high. But at the same time, there is no obvious differential credit policy, will also greatly improve the living style, improved housing consumption burden.　　Including those who were not covered by their own efforts to solve their own housing problems, because of the constant rise in lending rates, has become a veritable sandwich layer.　　This group, although the past is not within the scope of protection, but because it can not through their own ability in the market to buy commercial housing, can only passively wait for the government to provide affordable housing, virtually expanded the protection of the population, increased the government's protection burden. The real estate market should be divided into two different markets, one is the commercial housing market, this group to account for more than half of the total population, or even about 70%, that is, relying on their own efforts to solve the housing problem.　　If the capacity is insufficient, it needs to be supplemented by government subsidies. The other is housing security, for those who cannot rely on the market to solve the housing problem, only by the Government to assume the responsibility of protection. However, because of China's large population, even the 20%~30% families need protection, the absolute amount is also very huge.　　This requires the government to develop a practical and effective security plan and to progressively improve the housing conditions of these families through a number of forms of waiting system.　　Our policy orientation should be to increase efforts to curb speculation and investment demand, on the other hand, to encourage families through their own efforts rather than relying entirely on government assistance to solve the housing problem, which requires the support of the middle zone policy, including tax and interest rate policy is most significant. For example, for the first home, the income tax relief that has been implemented in some cities in the past can still be used.　　At the same time, we should substantially reduce the interest rate of commercial loans and reduce the burden of this part of the household. After the housing system reform and the rapid development of housing commercialization, most urban families have their own housing.　　Therefore, the main purchase of the first housing is newly married young people, the total number of households is not very large, the preferential lending rate will not bring a lot of burden on the banks, but it can be from the policy of an enabling direction. and Housing Provident Fund loans, the first use of Provident Fund loans to the family to implement 70 percent or 50 percent of the preferential interest rate, so as to reflect the existence of housing Provident Fund significance and role.　　Because the Housing Provident Fund is not a means of macro-control, it is itself only for living and improving the type of loans.　　It is more beneficial to the improvement of the real estate market system and the pluralism of the housing security system to encourage the youth self-reliance and hard struggle than to put them into the housing guarantee, and to promote the harmony and stability of the society. The reality is that all kinds of interest rates and taxes are increasing in turns, only to add, but there is very little to the Government explicitly encouraged by the implementation of the live consumption of more substantial concessions. No subtraction, there is no encouragement, in the end, may be the government overwhelmed, carry a heavier burden, backI have to carry my back without moving.　　Why not do some subtraction, and you can put down a large part of the baggage. In addition, such as Beijing, Shanghai, the absolute value of higher prices in cities, even if prices fell 20%, house prices from 40,000 per square metre into 30,000, the working-class still hard to bear.　　Therefore, these cities, to solve the housing problem of the majority of residents, must be solved through public rental housing, so as to avoid the economic application of housing, limit housing and commercial housing prices gap too large lead to rent space. Building a large number of public rental housing, conducive to the formation of a virtuous cycle mechanism, that is, not solve the property rights problem, only solve the housing problem. In fact, the urban population in Tokyo and New York are mainly rent-oriented.　　China's mega-cities should also take this route. On the contrary, small and medium-sized cities, the overall level of housing prices is not high, and the economic application of housing differences is not particularly large;　　Such cities need government organizations to build some affordable housing, so that low-income families rely on their own efforts, government support to combine to solve housing problems.　　Of course, for the sandwich layer, it can be solved by rent subsidy or by less building public rental housing. China's real estate market is more complex, so the need for classification guidance, local conditions, so as to be more effective, as soon as possible to solve the housing problem.