Information > General articles > Buying Loan Guide > Property News >  text

The five cities share the property opening gate supply: affordable can stabilize prices

Time: 2018-01-11         Source: China News         Author: China News Network

In 2018, the total supply of land in Beijing’s common- use housing has increased significantly. Up to now, Beijing, Shanghai, Nanjing, Fuzhou, and Yantai have provided common-use housing. The industry expects that the housing prices of common-property houses are significantly lower than the prices of commercial housing in the same area. With the increase in the supply of common-property housing, the housing prices in cities are expected to further stabilize.

Wucheng has successively provided joint-use housing

The common-property house refers to the policy-supported housing where the government and individuals jointly hold property rights. Since the government holds part of the property rights, it reduces the purchase price paid by home buyers.

According to statistics from the Centaline Property Center, between January 4 and February 2, within less than a month, Beijing will close 26 plots of land, of which 23 will be residential land, and the proportion of property ownership will increase significantly. According to the data from the Beijing Housing and Construction Commission, as of mid-December 2017, Beijing had a total of 40 property rights projects, providing about 41,000 housing units.

In fact, the "Provisional Interim Measures for the Administration of Shared Property Rights in Beijing Municipality" issued in September last year is not the first time that a property owner's house has been tested.

In March 2012, Shanghai introduced a joint-property housing policy. By the beginning of 2017, Shanghai had a total supply of 89,000 units of property houses; after Nanjing introduced relevant policies in 2015, 1499 sets of common-use properties will be launched at the end of 2017. In December 2017, Yantai announced the first batch of 1,254 sets of existing homes as common-property houses, and Fuzhou’s first joint-property housing plot was successfully auctioned.

At this point, Beijing, Shanghai, Nanjing, Fuzhou, Yantai and other five cities have landed a joint-property housing project.

Who can buy? Each purchase threshold has its own emphasis

The common-property house mainly targets the “sandwich layer” of housing demand groups as an important means of mid-end support and aims to make the housing system more fair and reasonable.

All over the country has spent a lot of thought in setting up a common property room purchase threshold.

Beijing stipulates that the applicant family should meet Beijing housing restriction conditions and that family members have no housing in Beijing. If a single family applies for purchase, the applicant should be 30 years old.

Shanghai has more detailed standards for property ownership housing, including households with a per capita housing floor area of ​​less than 15 square meters (15 square meters); 2 people or less with a per capita annual disposable income of less than 72,000 yuan, and a per capita property of less than 18 Ten thousand yuan, etc.; and family members have not had any home sales and donations within five years before filing an application.

The people in Nanjing who can apply for shared-property housing are eligible urban low-income housing difficulties families, first-time homeless families and new employees. Among them, the newly-employed workers must meet the conditions for full-time undergraduate education or above, graduate under five years, and other conditions; the monthly average income per capita for low-income and middle-income housing families should be: the income under the middle-income group should be lower than 3074 yuan, and the low income should be lower than 1921 yuan.

The reporter noted that Nanjing’s supply of common-property housing also has the intention of tilting high-end talent. A few days ago, Nanjing issued a document clearly that three types of high-level talents could choose one of the four ways of sharing property rights to settle in, and class A personnel could even purchase a shared property room of not less than 200 square meters.

What other cities have common property rights? The Ministry of Housing and Construction

The "sandwich layer" is widely available in cities with an increasing population in the first-tier cities. They have found that they are qualified to buy houses in the cities they work in. However, they have to resort to extreme measures such as not having enough down payment, having to abandon the idea of ​​buying houses or taking the risk to try private lending.

The national conference on housing and urban-rural development clearly requires that, in 2018, share-owned housing be developed in line with local conditions and multi-channel solutions to the housing problems of the people.

Qin Hong, director of the Policy Research Center of the Ministry of Housing and Urban-Rural Development, wrote in a recent article that hot-spot cities with large upward pressures on housing prices are all cities with rapid population growth, and they should increase the scale of joint-property housing supply. It can not only meet the housing needs of homes that are indefinite for home buyers for the first time, but also prevent policy rent-seeking, stabilize housing prices, and stabilize housing development.

Taking Beijing as an example, the average sales price of the joint-property housing project will be lower than the price of the same-quality ordinary commodity housing. Zhang Dawei, chief analyst of Centaline Real Estate, told reporters that due to the scarcity of commercial housing in Beijing, a large number of joint-property housing listings have eased the demand for home buyers who cannot afford commercial housing, and house prices will continue to be stable or even down.

Zhang Dawei said that the property ownership house has a great impact on the regulation of the future property market, especially in terms of reducing the investment properties of affordable housing, and addressing the needs of low- and middle-income groups in purchasing homes.

Shared property retirement room also comes to the market, not a policy room

In addition to helping the “sandwich layer” home ownership, the shared property ownership house has also become a new model for endowment exploration.

Recently, Beijing has debuted a joint property ownership pension pilot project - Gonghe Home in Chaoyang District. The public area of ​​the old-age care center is 40%, and each house purchaser holds 95% of the property rights. The company holds 5% of the property rights, which reduces the “heavy capital” pressure of entering the pension service market.

“The above model does not belong to the common property rights of policy commodity housing, and more consideration is given to the withdrawal of funds by enterprises.” Lou Jianbo, director of the Real Estate Law Research Center of Peking University, told the reporter.

Zhang Bo, chief analyst of the Housing and Housing Research Institute, said that the uncertainty in the appreciation of the common-property housing pension is the biggest obstacle to its promotion. "Unlike traditional residential buildings affected by lots, the quality of these projects has a great impact on the value of the property."

In addition to pensions, what models can be extended to the concept of shared property? Yan Yuejin, research director of the ThinkCentre Research Center at the Yiju Research Institute, said that it is also possible to pilot on some rental properties. For example, in the first five years of housing, the ownership is vested in the developer; after five years, the purchaser may purchase a certain percentage of the property, and if the purchase holds more than 50% of the property, the mortgage may be realized. (Finish)

Buying a house loan is not clear how to do it! Pay attention to the “Fund 360” (fangdai123) public number. Not only are there the most comprehensive and practical calculators for mortgage loans, but also conscience reminders that you haven’t noticed the loss of money.

    You may need these loans

    House loan

    Mortgage records for loans

    500000

    Maximum amount

    0.89%

    Minimum monthly interest rate

    1 day

    Fastest loan time

    apply immediately

    Redemption loan

    Mortgage, help selling room

    6.5 million

    Maximum amount

    2.20%

    Minimum monthly interest rate

    30 days

    Fastest loan time

    apply immediately

    House loan

    Home mortgage, good capital turnover

    10 million

    Maximum amount

    1.20%

    Minimum monthly interest rate

    7 days

    Fastest loan time

    apply immediately

    Decoration loan

    Buy house renovation loan

    500000

    Maximum amount

    0.37%

    Minimum monthly interest rate

    1 day

    Fastest loan time

    apply immediately
    Save this post to my email
    Subscribe to the mortgage, real estate news

    Scan it to make buying a house easier!

    Welcome to pay attention to financial 360 mortgage
    Official Wechat (Fangdai123)

    【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the legal rights and interests of 360 will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email: academy@rong360.com

    Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
    you may also like
    • Insider: Real estate prices will decline after property ownership housing is implemented  Recently, the Beijing Municipal Housing and Construction Commission announced to the public that the "Interim Measures for the Administration of Common Property Housing in Beijing" was publicly solicited for opinions. According to this approach, Beijing plans to newly promote joint-property housing, and the ratio of new Beijing residents to joint-property housing is not less than 30%. Some industry experts believe that...
    • The access standard of the property rights protection house in Shen City will be relaxed from tomorrow  According to a report by the Shanghai Municipal Information Office, Shanghai's property ownership access standards for housing have been liberalized, and the average monthly household income of three families has been adjusted to 6,000 yuan. It is reported that the city’s shared property rights protection housing policy implemented from tomorrow will further relax the common property rights protection...
    • Shenzhen small property house is packaged into a common property room price is only half of commercial housing  After the implementation of the right-to-ownership hiring policy in Guangzhou and other cities, Beijing plans to try common-property housing, which has caused great concern in the market. According to the interim measures issued by Beijing Municipality, joint ownership of housing refers to the provision of policy support by the government, which is developed and constructed by the construction unit, and the selling price is lower than that of the same...
    • Total property ownership room really is coming, what impact will it have on house prices?  Recently, Beijing announced the "Interim Measures for the Administration of Common Property Housing in Beijing (Consultation Draft)" (hereinafter referred to as "Measures"). This consultation draft details the pricing of common-property houses, eligibility for purchase, and rules for sale. The so-called common property room,...
    • Ma Guangyuan: Do "sharehold property rooms" make prices fall sharply?  In recent days, Beijing has issued a solicitation of opinions on the management of common-property housing. According to the Opinions, the common-property housing in Beijing means that the government provides policy support and is developed and constructed by the construction unit. The sales price is lower than the water price of the same land and the quality of the commodity housing...

    Buying a home loan

    House loan

    Mortgage records for loans

    Redemption loan

    Mortgage, help selling room

    House loan

    Home mortgage, good capital turnover

    Decoration loan

    Buy house renovation loan