Analysis on the Purchase of Affordable Housing in Hangzhou in 2007

1, the previous policy is just below, that is, 100%.

2. Disposable income 19027 in 2006 and1889 in the first half of this year.

3 years, 5 years (excluding student accounts)

Lou 1 is the old policy and the new policy is as follows.

Notice of the Hangzhou Municipal People's Government on printing and distributing the measures for the administration of affordable housing in Hangzhou urban area

notification

Zheng Hang No.9 [2007]

District and county (city) people's governments, municipal government departments and directly affiliated units:

"Hangzhou affordable housing management measures" have been approved by the municipal government and are hereby issued to you, please follow them.

Press release issued on 7 September 2007

Measures for the administration of affordable housing in Hangzhou urban area

In order to ensure the basic housing needs of low-income families in Hangzhou, standardize the construction and management of affordable housing, and speed up the construction of housing security system, according to the State Council's Opinions on Solving the Housing Difficulties of Urban Low-income Families (Guo Fa [2007] No.24), the Ministry of Construction, the National Development and Reform Commission, the Ministry of Land and Resources, and the People's Bank of China's Notice on Printing and Distributing the Administrative Measures for Economically Applicable Housing (F.J. [2004]77

First, the term "affordable housing" as mentioned in these Measures refers to the policy housing that the government provides preferential policies, limits the construction standards, supply targets and sales prices, has the nature of security, and the buyers have limited property rights.

Article 2 These Measures shall apply to the construction, trading and management of affordable housing in Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Economic Development Zone and Hangzhou Zhijiang Resort.

Xiaoshan District, Yuhang District and counties (cities) can refer to these measures, and can also formulate implementation measures in light of local conditions.

Three, the municipal construction administrative department is responsible for the construction and management of affordable housing. City real estate administrative departments responsible for the management and implementation of affordable housing sales transactions. Municipal development and reform, planning, land and resources, price, finance, public security and other administrative departments and the District People's Government shall be responsible for the work related to affordable housing in accordance with their respective responsibilities.

Four, the construction and management of affordable housing should follow the principles of openness, fairness and justice. All relevant administrative departments shall set up complaint telephones and accept public supervision. Any unit or individual has the right to complain and report violations of laws and regulations in the construction, trading and management of affordable housing.

Five, strict economic applicable housing access conditions audit, increase the implementation of low-cost housing security system, and gradually expand the coverage, to achieve the convergence of affordable housing supply objects and low-cost housing security objects.

Six, prohibit any unit to build affordable housing in the name of physical housing distribution or disguised ordinary commercial housing development.

Seven, the municipal government regularly compiled affordable housing development planning. The municipal construction administrative department shall, jointly with the administrative departments of development and reform, planning, land resources, etc., prepare the annual investment plan and land use plan for affordable housing according to the overall urban planning, the overall land use planning and the development plan for affordable housing, in which the construction land plan shall be incorporated into the annual land supply plan of this Municipality.

Eight, affordable housing construction land supply by administrative allocation. It is forbidden to obtain administrative allocated land in the name of affordable housing and develop ordinary commercial housing in disguise.

Nine, the municipal administrative department of construction according to the development plan of affordable housing, determine the main body of the early development of affordable housing. The construction of affordable housing projects should be based on centralized land supply, centralized construction and centralized supporting construction mode.

Ten, the development and construction of affordable housing should be in accordance with the principle of government organization and coordination, market-oriented operation of enterprises, by the municipal construction administrative department in accordance with the law through bidding to determine the main body of the project construction. The development enterprises participating in the bidding must have the corresponding qualifications and capital of real estate development enterprises, and have good development performance and social reputation.

The specific measures for bidding shall be implemented in accordance with the relevant provisions of the municipal government.

Eleven, the municipal construction administrative department according to the annual city's affordable housing construction and sales plan, regularly will also meet the following conditions of affordable housing allocated to the municipal real estate administrative departments to organize housing sales:

(a) A building permit has been obtained;

(two) has officially started;

(three) the approved price of affordable housing.

Twelve, affordable housing is strictly controlled in small and medium-sized Xing Tao, and the construction area is generally controlled at about 60 square meters.

In order to ensure the security area of families with more than 4 people (including), the construction area of some affordable housing is controlled at about 80 square meters.

Thirteen, the construction of affordable housing must strictly implement the relevant national technical specifications and standards, adhere to the principle of moderate standards, complete functions, economic application, convenience and energy saving, and optimize the planning and design scheme.

Fourteen, the construction of affordable housing is free of administrative fees and government funds such as urban infrastructure supporting fees. The cost of infrastructure construction outside the planning red line of affordable housing projects shall be borne by the government.

Fifteen, with the consent of the municipal administrative department of construction, affordable housing construction units can apply for housing development loans to commercial banks as collateral for projects under construction, and the loan funds are earmarked for the construction of affordable housing.

Sixteen, affordable housing prices to implement government pricing, the price is determined according to the principle of guaranteed profit.

Seventeen, the sale of affordable housing should be clearly marked, in addition to the property maintenance fund and other provisions of the withholding fees, shall not charge any unpublished fees other than the price.

Eighteen, affordable housing registration card system. When charging fees, the relevant departments must fill in the payment registration card issued by the municipal price department. No unit may use the name of deposit, deposit, etc. , in a disguised form to the affordable housing construction units to charge fees.

Nineteen, the purchase area within the approved security area, according to the economic applicable housing prices. The purchase area exceeding the approved guarantee area does not enjoy government preferential treatment, and its price is approved by the municipal price department.

The over-area price difference shall be collected by the municipal finance department in a timely manner according to the regulations.

Twenty, affordable housing security area standard for the construction area of 60 square meters. If there are more than 4 family members (inclusive), the standard of guaranteed area is 80 square meters.

Twenty-one, the purchase of affordable housing must meet the following conditions:

(a) at least one family member has a permanent residence in cities and towns for more than 5 years (excluding student residence) (including soldiers who meet the conditions for resettlement in Hangzhou);

(two) married [including divorced (or widowed) with minor children] or single houseless households over the age of 35;

(3) The construction area of the applied family property is less than 48 square meters (inclusive);

(4) The per capita annual income of the family is lower than 60% of the per capita disposable income of urban residents in the previous year announced to the public by the Municipal Bureau of Statistics every year (if the per capita disposable income of urban residents in the previous year was not announced by the Municipal Bureau of Statistics at the time of audit, it shall be determined according to the data of the previous year).

Twenty-two, affordable housing to a couple as a family, the immediate family members in the same family can be used as family members. Except minor children, those who have applied as family members may not apply for affordable housing in the future.

Divorced (or widowed) single houseless households, with minor children and guardianship, or over the age of 35, are regarded as applying for a family.

An applicant family can only buy one set of affordable housing.

Twenty-three, the family real estate area refers to the applicant family has enjoyed the physical distribution of housing and housing land subsidies, existing or through the purchase, gift, inheritance and other means of all the real estate area.

Twenty-four, to apply for the purchase of affordable housing families need to fill out the "Application Form for Affordable Housing in Hangzhou", and submit the original and photocopy of the following materials:

(1) Identification certificate, household registration certificate and marital status certificate of family members.

(2) proof of income of family members. The unit employees with labor and personnel departments shall issue income certificates by the unit labor and personnel departments, other employed persons and retirees shall issue income certificates by the streets, and unemployed persons shall issue unemployment certificates by the municipal labor and social security department.

(3) Proof of real estate of family members. Provide proof of property right or proof of public housing lease where the household registration is located; Units with collective accounts have no proof of housing distribution; If the spouse's household registration belongs to the household registration of foreign cities and towns, the local real estate management department shall issue a certificate of real estate situation.

Twenty-five, the public sale of affordable housing to implement the waiting system, and the establishment of streets (or units with the labor and personnel departments) publicity, district construction (Housing Authority) trial, the city real estate management department to review the publicity of the multi-level audit system.

Twenty-six, affordable housing purchase license shall be accepted in accordance with the following procedures:

(a) to determine the acceptance period and limit the age of the applicant who can be accepted. The specific acceptance period and fixed number of years shall be clearly announced by the municipal real estate management department in Hangzhou Daily and Hangzhou real estate information online.

(2) After the applicant's family has been publicized without objection and stamped by the community (or the unit with labor and personnel department) where the household registration is located, it shall submit the Application Form for Safe Housing in Hangzhou Urban Area and related materials to the Construction (Housing Authority) where the household registration is located, and receive the acceptance form.

(three) the district construction (housing management) bureau will submit the family information after the preliminary examination to the municipal real estate management department for review.

(four) the city real estate management department after the audit, will not meet the conditions for the purchase of family information returned to the District Construction (Housing Management) Bureau, with a return form; Applicants who meet the purchase conditions enter the waiting list in the order of acceptance.

Twenty-seven, affordable housing sales, public housing selection in accordance with the following procedures:

(1) According to the number of houses and the number of people accepted, determine the list of people participating in housing selection according to the ratio of 1: 1, and publish the basic information of affordable housing for public sale in Hangzhou Daily, mainly including the number of houses, single building area, lot, price, development and construction unit, list of people selecting houses, time and place of housing selection, etc.

(II) Within the time limit stipulated in the announcement, after being audited and publicized by the municipal real estate management department, eligible families will redeem the Purchase Certificate of Affordable Housing in Hangzhou City (hereinafter referred to as the Purchase Certificate) at the designated place with the acceptance form. The serial number order of the Quasi-Purchase Certificate shall be determined according to the original acceptance order, and the houses shall be selected in this order.

(three) the purchase of the family by the city real estate management department issued the "Hangzhou city to buy affordable housing selection contact list" and "quasi purchase certificate", and the development and construction units to handle the purchase procedures.

(four) the results of the housing selection in the "Hangzhou Daily" and Hangzhou real estate information online announcement.

Twenty-eight, families included in the scope of the announcement of housing selection, such as not participating in the housing selection or giving up the purchase after the housing selection, their "quasi-purchase certificate" is invalid, and they may not apply for the purchase of affordable housing again within two years from the date of the housing selection.

Twenty-nine, the purchase of affordable housing individuals to apply for loans from commercial banks, in addition to the provisions of the "personal housing loan management measures", it should also provide the purchase of affordable housing "quasi purchase card". The interest rate of individual housing loan shall be subject to the loan interest rate announced by the People's Bank of China, and shall not rise. Housing provident fund individual housing loans can be given priority to individuals who purchase affordable housing.

Thirty, affordable housing construction units after the completion of the housing, should be required to handle the initial registration of housing property rights, pay the deed tax to receive housing ownership certificates, land use permits. Housing, land ownership registration department in the housing ownership certificate, land use certificate "postscript" column marked "affordable housing".

Apply for families to buy affordable housing, should be in accordance with the provisions of the registration of ownership, housing ownership registration department in the housing ownership certificate "postscript" column marked "affordable housing", security area and other related content, land ownership registration department in the land use certificate marked the allocation of land.

Thirty-one, affordable housing is not allowed to be traded below the trading period. After the expiration of the restricted trading period, the owner of the house may take the following disposal methods for the house:

(a) to allow the owners of affordable housing to be listed and traded after 5 years from the date of obtaining the house ownership certificate; At the time of listing and trading, 55% of the difference between the sales price at that time and the affordable housing purchased at that time (including affordable housing beyond the enjoyment area) shall be paid to the government for land income and other prices.

(two) the owner of affordable housing can transfer the house to a family that meets the purchase conditions of affordable housing after 3 years from the date of obtaining the house ownership certificate. If the buyer has no real estate, the relevant taxes can be reduced or exempted during the transaction.

The specific measures for the listing and trading of affordable housing shall be formulated separately by the municipal real estate administrative department in conjunction with the municipal price and finance departments.

Thirty-two, families have purchased affordable housing, such as the purchase of other housing, the original affordable housing by the government in accordance with the provisions of the repurchase. If the purchase of affordable housing is less than 5 years and needs to be transferred for various reasons, you can apply to the government for repurchase of affordable housing after approval. The repurchase price is determined by the municipal price department in accordance with the original affordable housing price and combined with factors such as depreciation and price level. The affordable housing repurchased by the government will continue to be sold to families who meet the conditions for purchasing affordable housing.

The specific measures for the government to buy back affordable housing shall be formulated separately by the municipal real estate administrative department in conjunction with the municipal price and financial administrative department.

Thirty-three, in the restricted trading period, property transfer due to inheritance and divorce, after approval by the municipal real estate administrative department, can handle the transaction transfer procedures. After handling the transaction transfer procedures, the property is still affordable, and the time limit for listing transactions is calculated from the date of obtaining the original property ownership certificate. The housing ownership registration department shall indicate "inheritance of affordable housing" or "divorce analysis of affordable housing", occupied area, approval date of listing and other related contents in the "postscript" column of the housing ownership certificate.

Due to court rulings, judgments, mediation, etc. , it is necessary to transfer housing ownership. After submitting relevant legal documents to the municipal real estate administrative department, you can go through the transfer formalities in advance, but the nature of affordable housing remains unchanged, and it shall be implemented in accordance with Articles 31, 32 and 33 of these Measures.

Thirty-four, affordable housing shall not be rented, and the nature of its use shall not be changed. Citizens, legal persons or other organizations will be affordable housing as a business or office space, the administrative department for Industry and Commerce shall not issue a business license.

In addition to the purchase mortgage, affordable housing shall not be mortgaged.

Thirty-five, municipal construction, real estate, land and resources, price and other relevant administrative departments shall strengthen the investigation and punishment of illegal acts in the construction and trading of affordable housing, and punish or deal with the following acts according to their respective duties:

(a) without approval to change the land use of affordable housing, the municipal administrative department of land and resources shall be punished according to law.

(two) to raise the sales price of affordable housing without authorization, shall be punished by the municipal administrative department of price according to law.

(three) failing to obtain the pre-sale certificate of commercial housing according to law, the municipal administrative department of construction and price shall be punished according to law.

(four) unauthorized sale of affordable housing to unqualified families, the municipal real estate administrative department shall order the construction unit to recover the housing within a time limit.

(five) unauthorized change of affordable housing into ordinary commercial housing construction and sales, shall be punished by the municipal construction administrative department in accordance with the relevant provisions.

(six) unauthorized rental of affordable housing, shall be punished according to the relevant provisions. If the circumstances are serious, the municipal real estate administrative department may recover its housing.

36, to resort to deceit, conceal family income, housing and other related information, defrauding the purchase of affordable housing, in addition to the city real estate and other administrative departments in accordance with the "Zhejiang Province affordable housing management approach" for punishment, you can take the following measures to recover the purchased housing:

(a) the municipal real estate administrative department shall order the purchaser to return the purchased house within the prescribed time limit. If the purchaser refuses to return, the municipal real estate administrative department may apply to the people's court for compulsory execution.

(two) by the construction unit according to the opinions of the municipal administrative department of real estate, and according to the relevant contents of the purchase contract to terminate the contract, the purchaser returned the purchased housing.

Thirty-seven, not according to the prescribed time limit and unpaid income unauthorized transfer, according to the "Zhejiang Province affordable housing management measures" for punishment.

Thirty-eight, the illegal acts of the administrative supervision object in the construction of affordable housing and the management of sales transactions shall be investigated by the administrative supervision department according to law.

Thirty-nine, these Measures shall come into force as of the date of promulgation. Where the original documents are inconsistent with these measures, these measures shall prevail.

Forty, before the implementation of these measures, affordable housing projects have been tendered, and construction is still carried out in accordance with the provisions of the tender documents and land development compensation agreements and construction project contracts.

Venue: 3rd floor, Building A, Yaojiang Guangsha, Yan 'an Road 126, Hangzhou.