What is the difference between housing reform and affordable housing and commercial housing?

The difference between affordable housing and housing reform and commercial housing

1. What is the property right of affordable housing? What is the difference between the property rights of housing reform houses and commercial houses? The property right of affordable housing purchased by individual residents belongs to individuals, which is divided into four parts: the right to use, the right to possess, the right to dispose of and the right to income. Compared with housing reform and commercial housing, the difference between the property rights of affordable housing and them is only the right to income. 94% of the proceeds from the listing of housing reform houses are owned by the seller. After the listing and sale, all the less than 4,000 yuan per square meter shall be owned by individuals; 80% of the 4000-5000 yuan per square meter belongs to individuals, and 20% belongs to the original property unit; More than 5000 yuan per square meter, and the original property unit is divided into half; The buyer pays 3% of the land transfer fee. After the commercial housing is listed for sale, all the proceeds will be owned by individuals. After the listing of affordable housing, the proceeds are all owned by individuals. The only difference is that at the time of sale, the new purchaser must pay the land transfer fee or the price equivalent to the land transfer fee according to 10% of the marked land price in the location of the affordable housing. Before the land price is clearly defined, the land transfer fee or the price equivalent to the land transfer fee shall be paid temporarily at 3% of the house price. In this way, buyers can register their property rights in accordance with commercial housing.

Second, can affordable housing be listed? According to Decree No.40 of Beijing Municipal People's Government [1999] and documentNo. 1077 of J.F.D. Zi [1999], the property right of affordable housing purchased by individual employees belongs to individual employees, and those who have obtained legal property right certificates, that is, house ownership certificates and land use certificates, can enter the secondary market for listing and trading according to law. After listing, all the proceeds will go to individuals.

3. How much does it cost to buy affordable housing? The cost of purchasing an affordable housing consists of the following three parts:

(1) house price: price per square meter (construction area) × construction area.

(2) Tax: 1. At the time of transaction: ① deed tax: 4% of the house price paid by the buyer; If the construction area is less than 120 square meter, the payment will be halved, that is, 2%. (2) Handling fee: 120 m2 or less (including 120 m2), for each set of 250 yuan; 120m2, each set of 500 yuan. ③ Stamp duty: 0.5% of the house price, which shall be paid by the buyer and the seller respectively. ④ Public maintenance fund: 2% of the purchase price. 2. In the process of handling the title certificate: ① Registration fee: building 0.3 yuan per square meter. ② Housing ownership fee: 4 yuan per certificate. ③ Stamp duty: 5 yuan per piece.

(3) Property management fee: charged according to the Interim Measures of Beijing Municipality on Property Management Service Fee for Economically Affordable Housing Communities (Trial) (J.J.F.Zi. < 2000 > 163). 4. What are the procedures for purchasing affordable housing? According to document No.4 of Beijing Municipal Government Office [1999], the development and construction unit shall apply for the sales license of affordable housing in Beijing at the Municipal Bureau of Land Resources and Housing Management, and the developer shall sell affordable housing, and the government shall actually limit the price. Development and construction units can only adjust the prices of different floors and different houses within the maximum price limit. The specific procedures are as follows: ① When residents purchase affordable housing, they should go through the purchase procedures at the development and construction unit with the proof that the annual family income is below 60,000 yuan issued by the unit or relevant departments, the permanent residence card of urban residents in this city and the resident ID card. (2) If a loan is needed, the purchaser shall go through the mortgage registration formalities at the housing and land administration department where the construction project is located with the registered pre-sale (sales) contract of affordable housing, and the housing and land administration department shall complete the mortgage registration within 15 working days after registration. (3) Within 30 working days after the house is delivered for use, the buyer and the seller shall go through the formalities of property right transfer with the land management department of the house where the construction project is located, and handle the house ownership certificate. Among them, the purchase of affordable housing built by the unit using its own land shall be handled by the unit to the housing and land management department. 5. What is the payment method for purchasing affordable housing? According to document No.54 of the General Office of Beijing Municipal People's Government [1998], the payment method of pre-sale auction house is agreed by the buyer and the seller, but the total amount of house purchase money collected by the development and construction unit shall not exceed 95% of the total house price before the buyer obtains the property right certificate, and the house price shall be settled in one lump sum after the buyer obtains the property right certificate. At present, there are the following payment methods: one-time payment, provident fund loan, commercial loan and portfolio loan. Buyers can choose the payment method according to their actual situation. Property buyers can apply to Beijing Housing Fund Management Center and commercial banks to purchase affordable housing loans.