What if low-income households can't afford affordable housing? Is there a subsidy? Can we afford a house? thank you

Real estate developers and experts and scholars hold their own words.

At the recent two sessions, some CPPCC members suggested "stopping the development and construction of affordable housing". As soon as this proposal came out, it immediately triggered a big discussion. The CPPCC member's point of view is that "affordable housing is a kind of public welfare provided by the government for urban low-income families, but now there are various uncontrollable violations, which violate the original intention of this policy and cause economic losses to the country". In fact, these problems surrounding affordable housing have a long history, but the solution to the problem is "interception" or "drainage" but it has been debated endlessly.

A few days ago, the reporter learned from official website, the Construction Department of Jiangsu Province, that at the 2005 Jiangsu Provincial Construction Work Conference, the Nanjing Housing System Reform Office admitted in an experience exchange material that there were eight major problems in the affordable housing system, such as upside down costs and excessive land acquisition, which attracted people's attention.

Question 1: Cost and price are upside down.

The inversion of cost and selling price is the primary problem of the current affordable housing system. It is understood that other affordable housing in the same city has basically implemented different supply prices in different places, and the price of affordable housing is roughly 50% to 70% of the price of commercial housing in the same region. According to this pricing method, in 2003, the average price of residential buildings in the eight districts south of Nanjing was 4 148 yuan/square meter, so the corresponding affordable housing should be priced at 2,074 yuan to 2,904 yuan/square meter, but its sales price was basically between 1450 yuan/square meter and 1800 yuan/square meter, while the actual average construction cost reached 65,438 yuan. If it is priced according to the actual cost, it is unbearable for the people in need. At present, if it is sold at the government price, it will lose a lot.

Problem 2: excessive land acquisition.

Excessive land, increased compensation for demolition and rising construction costs are also one of the problems of affordable housing. According to reports, the concession of roads, rivers and green belts of affordable housing in Nanjing accounts for a large proportion of land acquisition. For example, the land utilization rate of Jingming Jiayuan project is less than 64%, and the land utilization rates of Yinlong Garden and friedensreich hundertwasser Qiancheng project are only 665, 438+0% and 55%.

Question 3: The burden of municipal facilities is too heavy.

According to reports, because the construction site of affordable housing communities is usually far away from the main city, the municipal infrastructure is generally weak. It already needs a lot of capital investment to improve the infrastructure of water, electricity, gas, roads and drainage in the community, and it also undertakes the tasks of municipal projects such as primary and secondary schools, surrounding roads and bridges.

Question 4: The construction standard is high.

From the development point of view, it is necessary to make a reasonable and appropriate plan for the affordable housing community in advance to meet the needs of the supply target. Therefore, large-scale affordable housing communities are equipped with motor vehicle parking spaces, central squares, landscape green spaces and so on. However, the current construction standards are on the high side, which also greatly increases the cost. This question was raised by the representatives of the Municipal People's Congress when they visited Jingming Jiayuan.

Question 5: It is difficult to implement property management.

First, the fees are low. At present, the property management fee is charged according to the minimum standard. For example, Xingxian Jiayuan and Jingming Jiayuan charge 0. 15 yuan per square meter. Due to the lack of fees, it is difficult to maintain normal property management. Second, among the residents, it is difficult to agree with them in concept because of the change of roles.

Question 6: Difficulties in after-sales management

The main residents of affordable housing are low-income and difficult households. These people generally have a low level of education and economy. If they live together, it will inevitably increase the difficulty of management, such as employment, public security, medical care, and subsistence allowances. And because it is far away from the city, it is inconvenient for residents to live and travel, and problems such as bus lines and station settings, medical and health care, and educational facilities need to be solved urgently.

Question 7: Supervision needs to be strengthened.

After the separation of construction and management and market-oriented operation, how to effectively supervise the construction and positioning of affordable housing projects needs further study and improvement.

Question 8: There is a policy loss.

Due to various reasons, some resettlement objects are subletted and resold in a short period of time, and there is a phenomenon of policy loss.

Real estate developer: Construction should be stopped.

"The cancellation of affordable housing is inevitable, but it needs a process, and the length of this process also depends on the market." A real estate developer believes that the contradiction between supply and demand is very prominent from the actual situation of affordable housing.

Developers believe that affordable housing is a special product of a special period. In the development of affordable housing, it is difficult for the government and developers to reach an understanding in many aspects. From a certain point of view, affordable housing is against the principle of market economy. With the gradual maturity of the real estate market, affordable housing will also be cancelled.

Another developer also expressed the view of canceling affordable housing. He believes that to solve the housing needs of low-and middle-income people, on the one hand, the government develops affordable commercial housing for working-class people through macro-control; On the other hand, this requires the government to give subsidies to low-income groups at the relevant social welfare and relief levels.

Experts and scholars: affordable housing cannot be cancelled.

There are many problems in affordable housing that cannot be avoided. The purpose of stopping construction is to avoid problems rather than solve them. If there is no more reasonable plan to follow up, blindly canceling affordable housing will have a huge negative impact on the lives of low-income people.

Affordable housing cannot be cancelled, but should be improved. Yesterday, Duan Shouren, a member of NPC Finance and Economics Committee, clearly expressed his opposition to the idea of "canceling affordable housing".

He pointed out that the construction and sales of affordable housing are indeed unsatisfactory. There is a problem of high housing prices in the sales link, and some low-income people can't afford to buy a house. He believes that subsidies should not be given entirely to developers, but also to qualified property buyers. The way of subsidy is not necessarily cash, but also loan interest discount and loan guarantee.

He said that low-income housing can also be solved by building low-rent housing. The government can focus on building a number of houses or buying a number of second-hand houses and renting them at low prices. But he stressed that we can't rely on it completely. "After all, many people still have the concept of home ownership."

He believes that the current review of the allocation of affordable housing is not strict enough, which leads to the phenomenon that nouveau riche can buy affordable housing with several suites. He said that the income survey of buyers should be strengthened, and the investigation of individual taxes is also one of the means, and relevant laws and regulations can be formulated to restrict it. If it is found that the applicant for property purchase and the institution providing proof of income make false declarations, it must be severely punished.

Xing Yaping, an associate professor in the Department of Urban Economics of capital university of economics and business, also believes that affordable housing cannot be abolished. Xing Yaping said that the construction of affordable housing is an important part of China's overall housing system. Rich people can buy commercial housing, but some low-and middle-income people may not be able to afford commercial housing all their lives and need the government to provide preferential housing opportunities.

Judging from the current real estate market, land prices and house prices are rising slowly and continuously, and the income growth of some low-and middle-income people cannot keep up with the growth of house prices and land prices. These people need to use the government's preferential policies to solve the housing problem.

Therefore, if affordable housing is abolished, some people will never be able to afford housing. Of course, we should pay attention to the problems existing in the transaction of affordable housing, and the government should strengthen supervision, such as making strict regulations on the re-listing of affordable housing to prevent speculation in the use of affordable housing.

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Affordable housing is cold in Nanjing.

Recently, a reporter found a strange phenomenon when interviewing in Nanjing. Affordable housing, which was originally used to solve the housing difficulties of low-and middle-income groups, was ignored by low-and middle-income groups.

It is understood that a gentleman who would rather not buy a house than choose affordable housing has an annual income of less than 20 thousand yuan. Affordable housing was snubbed by low-and middle-income people, and the reporter got an experience in Nanjing Affordable Housing Development Center.

When the reporter arrived, it was Monday working day, and there was no one in the huge sales hall. A few minutes after the reporter entered, a staff member of Nanjing Affordable Housing Development Center appeared. She turned on the light and showed the reporter several models of affordable housing. She said that she could go directly to Xinglong Community in the western suburbs to buy an existing house, but when the reporter took a taxi to Xinglong Community, she found that the sales hall was also empty.

A sales girl here told reporters that Xinglong Community began to sell last year, and so far, only half of it has been sold, except for the second floor and the top floor, most of the other floors are left. Few people come to see the house during the Spring Festival, so why is the affordable housing so unattended? A kindergarten teacher whose family's annual income is less than 20,000 yuan has personally experienced the painful choice from affordable housing to commercial housing.

It is understood that the profit of commercial housing is generally around 10%, while the profit rate of affordable housing should not exceed 3% because the land is allocated by the government free of charge and enjoys many benefits such as planning fee reduction and exemption. So according to common sense, the price should be much lower than that of commercial housing. However, it is not just the price that is similar to Nanjing commercial housing. Let's go upstairs and have a look with the sales girl.

The area of this affordable housing is113m2, which meets the housing standard of department-level cadres. According to the regulations, affordable housing is generally 40 to 50 square meters, with a maximum of 70 square meters. However, the sales lady told reporters that the smallest apartment in this community is more than 70 square meters. Compared with low-income families, because the area is too large, the house is a lot even if it is cheap. For example, this 1 13 square meter house, even if it is 1000 yuan per square meter, the house price is not only 65,438+10,000 yuan, not to mention its price is more than 2,000 yuan. Therefore, many low-and middle-income families can only look at the house and sigh.

If you can't afford it, you can naturally afford it, and you can buy another set, but the purpose is not to solve the housing difficulties, but to invest.

According to the sales lady, there are business owners, flight attendants and, of course, some ordinary working-class people who buy affordable housing in this community. As long as they are Nanjing citizens, they can pay directly or buy affordable housing here through bank mortgage.

In another newly developed community, it is easier to buy affordable housing, and you don't even need a Nanjing hukou. You can buy it as long as you have money.

The reporter didn't believe his ears a little. Isn't this developed by Nanjing Economic Housing Development Center? Is it a commercial housing developer? However, the staff of Nanjing affordable housing development center dispelled the reporter's doubts.

A staff member of Nanjing Affordable Housing Development Center encouraged reporters to buy more sets in Xinglong Community or Jishan Community.

In Nanjing, because the difference between affordable housing and commercial housing is not too big, and the bank mortgage of commercial housing has been widely carried out in Nanjing, and considering the good service and many choices of commercial housing, Nanjing citizens often choose commercial housing instead of affordable housing when buying a house. Although Nanjing Real Estate Administration has repeatedly said that they have not cancelled affordable housing, in this sense, affordable housing and commercial housing are quietly merging in Nanjing.

According to the economic half-hour report

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