I live in a suite with my parents, and I live in two rooms. I am 20 years old this year. Now I want to buy a house with property rights. Is it okay?

1. This policy is a good supplement between affordable housing and commercial housing. Beijing's affordable housing is only for buyers who have obtained household registration for three years, and this new policy stipulates that not less than 30% of the houses are non-household registration.

2, the cost of buying a house is directly reduced, and the transfer is restricted within five years. In addition, the government controls it to prevent the use of * * * property houses for speculation. It should be said that "the house is for living, not for speculation".

This policy is expected to be popularized nationwide. If we can adjust the proportion of property rights according to the situation, it may gradually replace affordable housing, but it is difficult to subvert the commercial housing market.

4. Although the policy is good, the core focus is whether the land with property rights is separated and whether the supply can be guaranteed.

This is a new measure of Beijing property market after encouraging renting houses and providing land for rental housing construction.

Then the question is coming. What is a * * * property house? Who can buy it? How to apply? How to set the price? Can I transfer it for rent? Bian Xiao combed this one by one.

Twenty questions about property right policy.

1. What is a * * * property house?

The so-called "housing with property rights" actually means that the buyer and the government have property rights.

Simply put, the government and the property owner each hold a certain proportion of property rights, but the right to use belongs to the buyer, and the buyer obtains the right to use and a certain proportion of property rights through relatively less funds.

2. What is the price of the * * * property right house?

"The average selling price is clearly stipulated in the land supply document." This is extremely important. The development and construction unit has already determined the price of the house when it takes the land.

For land transfer, we can adopt various methods such as "price limit, competitive land price" and "comprehensive bidding", follow the principles of competition, merit and fairness, and implement the construction standards and project quality commitment system.

Of course, the government will make reasonable arrangements for the construction land of * * * property housing, and list it separately in the annual land use plan and land supply plan, giving priority to supply.

The following principles shall be followed in determining the price.

"* * The average selling price of property housing projects should be lower than that of ordinary commodity housing with the same location and quality, based on the project development and construction costs and appropriate profits, and taking into account factors such as family affordability."

"The development and construction unit determines the sales price of each house based on the average sales price, combined with the floor, orientation and location of the house, and the price fluctuation range is 5%."

3. Who can subscribe?

With full capacity for civil conduct, singles must be at least 30 years old;

In line with Beijing's housing purchase restriction conditions, there is no room under the name of family members.

4. Who can't subscribe?

1. The applicant family has signed a house purchase contract and a compensation agreement for expropriation (demolition) of resettlement houses. In other words, a family that already has a house.

2. The applicant family has a housing transfer record.

3. Couples with housing families apply separately after divorce, and the divorce period is less than three years at the time of application.

4. The applicant family has illegal construction behavior, and the illegal buildings, structures or facilities have not been removed at the time of application.

5. Who can buy first?

The household registration in the project area and other areas of the city working in the project area have no households.

Non-local households without housing who meet the housing purchase restriction conditions in this city and work stably in the project area.

6. Can the house be sold?

Less than 5 years, not allowed to transfer.

Five years later, the purchaser can transfer the share of the property right of the purchased house at the market price. The transferee still needs to meet the purchase conditions. Under the same price conditions, the institution can give priority to purchase and continue to use as * * * property housing; If the institution waives the preemptive right, the transfer object of the purchaser is other families that meet the purchase conditions of the property right housing.

Five years later, the purchaser can also obtain the property right of commodity housing after purchasing the government share at the market price. (There is no restriction on resale)

7. Can the house be rented?

Permission, rent and agency allocation. Moreover, leasing can only publish housing rental information on the network service platform established by municipal organizations.

8. Who can buy a "second-hand" property house?

Representative offices, other families that meet the purchase conditions of * * * property housing.

May not be sold for 5 years. If it has been held for 5 years, it will be given priority to the next holding institution with the same price; Can also be sold to families with * * * property housing purchase conditions according to the original proportion; Can also be converted into commercial housing sales to share with the holding institutions; Five years later, you can also buy government shares and turn them into commercial houses.

9. What about self-housing?

Self-occupied housing will be replaced by new property housing.

The original old self-occupied housing still implements the old method; In the future, new projects on the market, including Jindu Jiayuan self-occupied housing project in Chaoyang District, which has not yet been shaken, will also implement the new * * * property housing regulations. In particular, Jindu Jiayuan in Chaoyang District will implement the old method to review the conditions, sign a new contract when selling in the future, and manage according to the new method.

10, will it be very remote?

The total construction area of new projects in the six districts of the city should not be greater than 90 square meters; The total construction area of new projects in other districts is less than 90 square meters, accounting for more than 70% of the total construction area, with the maximum not exceeding 120 square meters. Fully considering the requirements of two children and being suitable for the elderly, Xing Tao is mainly multi-bedroom and strictly controls the proportion of Xing Tao with a total construction area of less than 60 square meters.

* * * The height of the six districts of the property housing city should not be less than 2.8 meters, and other districts should not be less than 2.9 meters.

* * * Property housing projects should give priority to areas with perfect public service facilities and municipal infrastructure, and be closely connected with public transportation systems or rail transit networks.

1 1. What is the distribution ratio of property rights?

The proportion of the average price of the reference project to the price of commercial housing with the same quality in the same lot.

After the property right is divided into two parts, the problem that buyers are most concerned about is how much share they can get first. It is different to choose independently or according to the house price.

In view of the share of property rights of buyers, the opinion draft of the Measures requires reference to the ratio of the average sales price of the project to the price of ordinary commodity housing in the same location and quality; In principle, the share of government property rights is held by the district-level institutions where the project is located, and can also be held by municipal institutions.

How to understand this sentence? Suppose the surrounding house price is 60,000 yuan/flat, and the low price is 50,000 yuan/flat. For a house of 90 square meters, the buyer needs the full amount of 4.5 million. The share of property rights obtained by buyers is 50,000/60,000 ≈ 83.33%, and the share held by institutions is about 16.67%.

If * * * the price of the property right house is determined to be 30,000 yuan/flat, then the buyer can get 50% of the property right only by paying 2.7 million yuan.

12, where is the lucky draw? Where to apply?

First of all, eligible families can apply online, and families who pass the examination can obtain the application code and enter the link of lottery placement, sequential house selection and house purchase confirmation.

13. Who will bear the property fee and heating fee?

Property and business expenses, plus heating costs, etc. * * * will be borne by both parties with property rights, that is, the buyers.

14. Punishment measures for abandoning purchase or practicing fraud?

If you give up buying for more than two times, you can't apply again within 3 years. It is forbidden for fraudsters to apply for affordable housing and policy housing on 10.

The * * * property housing has also been included in the credit management. If the applicant, the purchaser, the roommate and the relevant units and individuals violate the provisions of these measures, the administrative organ shall, in accordance with the provisions of the state and this Municipality, incorporate the relevant administrative decisions into the credit information management system of this Municipality.

15, what are the highlights?

First, job-residence balance;

Priority will be given to households with household registration in the project area and families without housing in other areas of the city who work in the project area, as well as non-local households without housing who meet the housing purchase restriction conditions of the city and work stably in the project area.

* * * Property owners are mainly small and medium-sized units, and the functional layout of the unit design is reasonable, effectively meeting the living needs.

Second, the distribution of "New Beijingers" is not less than 30%;

Third, realize online application;

Fourth, standardize the exit mechanism.

16. What is the future supply scale?

The existing self-occupied housing is about 7 million square meters, which can supply more than 80,000 sets of * * * property houses and will be built in the future.

* * * The land for housing with property rights will be listed separately and given priority in the annual land use plan and land supply plan.

17. How to apply for public rental housing and public rental housing?

You should make a written commitment to vacate the rented house before signing the house purchase contract online.

18, different from self-occupation?

After August 3, 20 17, the self-occupied housing will be replaced by the new * * * property housing.

19. How to divide the rent?

Rent: the rental income is distributed according to the proportion of the property rights share between the buyer and the holding institution.

For example, if the share of property rights of buyers is 75% and the monthly rent of houses is 4,000 yuan, then the monthly rent of buyers should be 3,000 yuan.

note:

1. The purchaser shall publish the lease information on the network service platform established by the municipal agency, giving priority to families who have filed affordable housing or families who meet the conditions of property right purchase.

2. Intermediaries cannot rent and sell real estate on behalf of * * *.

20. Which houses may be affected?

1, just need the house price will be cheaper.

In the long run, the price of just-needed houses below 100 square meters or under the 90/70 policy will be affected by * * * property houses. Its price will be suppressed to provide a cheaper house for those who just need it.

2. The trend of high-end pure commercial housing continues.

"Large-sized, high-total-price" houses are more for people's ultimate improvement than for improving the demand for first-time home buyers. In addition, the loan threshold for improved home buyers has increased a lot (generally, the second home loan is 80% down payment), which will lead to the suppression of this part of improved demand.