● Have a permanent residence in Shanghai for 7 consecutive years, and the current residence has been in the area where the application is made for 5 consecutive years.
● The per capita housing construction area is less than or equal to15m2.
● The per capita annual disposable income of the applicant family does not exceed 27,600 yuan, and the per capita property of the family does not exceed 70,000 yuan.
● There is no housing sale or donation within 5 years before the application is made (except for the donation of housing between family members).
65438+February 10, Shanghai Housing Security and Housing Administration issued "Policy Questions and Answers for Urban Residents to Purchase Affordable Housing in Pilot Areas" (hereinafter referred to as "Policy Questions and Answers"), and the pilot work of Shanghai's application review and waiting for supply of affordable housing was officially launched in Xuhui and Minhang districts this month.
In this regard, Xue, a senior analyst in the industry, said in an interview that the government's increased supply and investment in affordable housing will have a certain inhibitory effect on the current "buying gas" in the real estate industry. It is expected that due to high housing prices, more buyers will stay on the sidelines, thus cooling the overheated real estate market recently.
Housing "applicable"
On February 9, 65438, the comprehensive structure of Xuhui Huajing Base, one of the largest affordable housing bases in the Outer Ring Road, which was built by Shanghai Urban Construction Group, was capped. The base will basically complete the construction of the second structural wall before the Spring Festival of 20 10, and formally hand over the house before next year 10.
One day later, the Shanghai Housing Security and Housing Administration disclosed the specific houses of affordable housing in Xuhui District and Minhang District of Shanghai in the policy question and answer.
"Policy Q&A" shows that the housing in Minhang District is arranged in the "Xiangtaiyuan" community of Hexiang Road in Zhuanqiao Town; The housing in Xuhui District is arranged in two communities planned by Shanghai as a whole: the newly opened community of Xinjiayuan Road in Songjiang Sijing Base and Boyayuan Community of Zhaolou Road in Minhang Pujiang Base.
The reporter learned that the above-mentioned communities are all close to rail transit stations or bus line stations, among which "Xiangtaiyuan" is close to the North Bridge of Rail Transit Line 5; Xinkai Home is located near Sheshan Station of Rail Transit Line 9. Boya Garden is adjacent to metro line 8 Lianhang Road Station. At the same time, there are bus stops and lines near the community connected with rail transit or directly to the urban area.
At present, the above three communities have basically reached the delivery stage of existing homes, and the construction quality and community environment of residential buildings can be comparable to those of nearby commercial houses. The surrounding commercial, health, education and other living facilities have been planned and will be built one after another.
"The so-called affordable housing is the housing organized by the city government for real estate development enterprises or fund-raising housing units to be sold to urban low-income families at a low profit price." Yin Zhanhua, a professor at Shanghai University of Finance and Economics and vice president of Shanghai Real Estate Economics Association, pointed out in an interview with reporters last night that "it is a commercial house with social security nature, and it has the characteristics of economy and applicability."
The applicability of affordable housing is reflected in housing design, single-unit area setting, building standards and so on, emphasizing the practical effect of housing. The reporter learned that eligible families can buy rooms according to the number of bedrooms, which are divided into one bedroom, two bedrooms and three bedrooms; The construction area is about 45, 65 and 85 square meters respectively, among which the construction area of various high-rise residential buildings is slightly larger than that of multi-storey residential buildings.
House price "economy"
"Economy means that the house price is moderate relative to the market price and can adapt to the affordability of low-and middle-income families." Xue further pointed out that the sales price of affordable housing should be determined by the housing security agency, and after being audited by the price management department in conjunction with the housing management department, it should be reported to the municipal government or the district government for approval.
According to the "Policy Question and Answer", the sales benchmark price of the pilot supply housing is: Minhang "Xiangtaiyuan" affordable housing is multi-storey, and the sales benchmark price is 5200 yuan/square meter; Songjiang Sijing "Xinkai Jiayuan" affordable housing has multi-storey and high-rise buildings. The benchmark multi-storey price is 4800 yuan/square meter, and the high-rise price is 5 100 yuan/square meter. Pujiang base "Boyayuan" high-rise affordable housing, the sales price is 5000 yuan/square meter.
The data shows that after excluding villa projects, the average price of commercial housing in Sijing plate in June this year1-/kloc-0 was 8240 yuan/square meter, and that in pujiang town was 12568 yuan/square meter.
In other words, the price of affordable housing, Sijing plate is 58% of ordinary commercial housing, while in Pujiang base, this price is only 40% of ordinary commercial housing. And "Xiangtaiyuan" should belong to Ruiqiao plate. At present, the average market price is 12494 yuan, and the price of affordable housing is also 40% of this figure.
On the basis of the sales benchmark price, the fluctuation range of the sales price of a single house shall not exceed 10%. The sales benchmark price is valid for one year from the date of publication.
According to the Trial Measures of Shanghai Municipality on the Management of Economically Affordable Housing, families who purchase economically affordable housing have limited property rights.
Effect "to be determined"
"Personally, I don't agree with the municipal government's practice of promoting affordable housing." In an interview with reporters, Yin Qihua pointed out that the introduction of affordable housing can not fundamentally solve the housing problem of urban residents. "The poor still can't afford a house, and social security should solve the residents' right of residence rather than property rights. "
Xue also believes that the price of affordable housing confirmed at present is indeed lower than the price of commercial housing in the market, which can alleviate the pressure on low-and middle-income people to buy houses and let them realize their dream of home ownership. "However, for families with per capita income below 2,300 yuan, this price is still relatively high."
According to the policy question and answer, the reporter simply calculated an account. The per capita annual disposable income of the applicant family does not exceed 27,600 yuan, and the per capita property of the applicant family does not exceed 70,000 yuan. Take a family of three as an example. If you buy a two-bedroom apartment of about 65 square meters, you need at least 310.2 million yuan, but the total amount of family property you apply for does not exceed 210.2 million yuan.
Therefore, in India's view, the government should "change its thinking" in solving the problem of housing purchase for urban residents, and provide more economic rental housing, low-rent housing and "second-limited housing" (that is, limit housing prices and land prices). In addition, more supporting houses will be invested in the transformation of old areas, which will fundamentally solve the problem of "difficulty in buying a house".