* * * Property right house, the main method is that the local government transfers part of the land transfer income, and then distributes it to eligible families at a lower price; At the time of placing, the security object signs a contract with the local government, stipulating the share of property rights of both parties, the conditions for listing and trading of affordable housing in the future and the share of income. ?
* * * The way to own property rights is to fix property rights first, because there is no room for profit, which avoids the problem of "driving a BMW to live in an affordable house" and "drawing six consecutive numbers from an affordable house". Different difficulties can have different proportions of property rights. It has opened up the channels for helping banks and provident fund loans, making it more convenient for subscription groups to buy houses.
The proportion of property rights between the government and property buyers is the focus of property rights housing, and it is also the space for future adjustment. The adjustment mechanism of ownership ratio in the pilot areas has been continuously optimized, and the proportion of individual investment can be between 50% and 95%, and buyers can choose freely according to their family's ability to pay.
Action characteristics
* * * Housing with property rights has two direct effects. One is to let some people pay part of their own money to solve the housing problem through the way of * * * owning property rights; The other is to standardize the system of affordable housing and price-limited commercial housing, to curb the profit-making space in purchasing affordable housing, so that buying a house is to solve the housing problem, not to make profits by speculation. It can also stabilize high housing prices to a certain extent. * * * Property houses are listed and traded, and it is particularly important to avoid the arbitrage phenomenon of affordable houses and price-limited houses.
Different from the previous affordable housing and price-limited housing, * * * property housing is a kind of small property housing. The government and buyers will share the value-added benefits of land and houses, and will also bear the risks brought about by the depreciation of land and houses. From the perspective of system design, compared with the housing with full property rights, the limited property rights itself greatly reduces the space for investment profit. The purchase price is basically synchronized with the market price, which greatly reduces the space for illegal profit.
If * * * buyers buy back government property rights, as long as the market evaluation price is reduced by a few percentage points, huge economic benefits can be obtained. Similarly, if the government purchases personal property rights, if the evaluation price is too high, there is also the problem of interest transfer.
* * * Property houses must establish an open and transparent operation mechanism, and set up firewalls from all aspects such as application, distribution, after-sales supervision and withdrawal. From the practice of pilot cities, how to determine the share of property rights between the government and individuals, how to agree on the distribution share of listed transactions, and how to reduce the space for speculative profits are the difficulties and focuses of exploration.