Zhongxin Finance, February 19 (Zuo Yukun) Want to buy a house, but don't have enough money?
The government takes some of the financial pressure for you and shares the property rights with you.
In the past few months, the detailed rules for co-ownership housing in many places across the country have appeared one after another. What are the characteristics of pulling the government as a "partner" to buy a house together?
how to buy?
A co-ownership housing project in Guangzhou.
Photo courtesy of the interviewee
"Everything is just right" house
"I think this house is just right for me." Guangzhou citizen Bubu (pseudonym) graduated in 2015 and got married in 2019. In early 2021, he applied for the first public property housing in Guangzhou at the same level. The project just meets the purchase requirements such as five-year social security, married or over 30 years old.
Bubu said that there are 6 types of houses in this batch of shared property housing, mainly two-bedroom and three-bedroom with an area between 66㎡ and 88㎡.
In January 2021, Bubu and more than 6,800 other people submitted information, went through two lottery draws within half a year, and finally became one of the 1,366 lucky winners.
"I remember that when I went to see the model house on New Year's Day in 2021, there were many people every day. There are indeed some people who think that the layout is not good, the area is too small, and the location is not good. But we decided after reading it, as long as we can get it, no matter which one It's fine." Boob said.
People who look forward to it like Boob still account for the vast majority.
"I check to see if there is any new news from time to time, and I feel like I'm already in a hurry. But there are many people who are more active than me. Every day people go to see the house. The group discussed the decoration and the corresponding school." Bubu said that some people gave up halfway, but many people gave up because they took a fancy to the next shared property housing project and felt that "the next one is more fragrant".
The proportion of individual property rights in the co-ownership housing that Bubu lives in is 55%, and this part of the purchase price is paid at an average price of 12,000 yuan/square meter.
"I now pay more than 3,000 yuan a month, and the provident fund can cover it. I have a sense of belonging and there is no pressure. Besides, I don't plan to sell the housing that I just need. The supporting environment is very good, and I am very satisfied." Bubu said.
A co-ownership housing project in Guangzhou.
Photo courtesy of the interviewee
Construction continues to accelerate
With the continuous advancement of urbanization and a large influx of people into the city, more and more groups like Bubu are facing embarrassing housing dilemmas - exceeding the application requirements for public rental housing, but cannot afford commercial housing.
Now, co-ownership housing has become their antidote.
Moreover, as the Year of the Tiger has just started, Ningbo, Dongguan, Hangzhou and many other places have shared property housing policies to "one more city".
For example, the "Administrative Measures for Housing with Shared Ownership in Ningbo (for Trial Implementation)" was officially issued recently, which stipulates that the proportion of the actual investment of households in the housing market with shared ownership should not be less than 60% and not higher than 80% in principle. That is, the minimum payment is only 60% of the house price.
The biggest feature of Ningbo's shared property housing management policy is that for the first time, the income limit ratio of applicants has been clarified, that is, the per capita annual disposable income of households is required to be lower than 150% of the per capita disposable income of local urban residents in the previous year.
At the same time, in order to curb investment and speculative housing purchases, co-ownership housing will be sold at market prices, and co-ownership housing that has obtained a real estate certificate for 10 years can be listed for transfer.
Liang Nan, an analyst at the Zhuge Housing Data Research Center, believes that these requirements make the price of co-ownership housing not far from the surrounding commercial housing, and there is no price advantage. To a certain extent, it can restrain investment and speculative housing purchases and ensure the housing demand of the just-needed group. .
"Improve the housing security system with public rental housing, affordable rental housing and shared property housing as the main body." The "Opinions of the General Office of the State Council on Accelerating the Development of Affordable Rental Housing" issued in June 2021 confirmed for the first time at the national level Housing with property rights is an important part of the current and future housing security system.
Since 2007, Huai’an City, Jiangsu Province took the lead in implementing housing with shared property rights. According to incomplete statistics, more than 20 cities including Beijing, Shanghai, Shenzhen, Chengdu, Huangshi, etc. have issued policies related to housing with shared property rights. Others include Harbin, Jinan, Hefei, Wuhan Other cities said they would study and explore the development of shared property housing.
Data map: Real estate properties under construction.
Photo by China News Agency reporter Zhang Bin
What are the characteristics? how to buy?
"There are two types of housing with shared property rights. One is that it can never be converted into commercial housing and has no investment attributes; the other is to become ordinary commercial housing after a certain period of sales restrictions." Zhang Dawei, chief analyst of Centaline Property, said that the former is represented by Beijing. , Ningbo belongs to the latter category with relatively strict policies.
The proportion of property rights owned by homebuyers is naturally the most eye-catching.
On the whole, the “lower limit” of home buyers’ share of property rights in each city is generally no less than 50%, and a few cities require no less than 60%.
Zhuhai currently has the highest "upper limit", and the purchaser holds 50%-90% of the property rights.
In addition, most cities stipulate that the shares can be transferred after 5 years of obtaining the real estate certificate. Ningbo, which has just issued detailed rules, sets the period at 10 years; buyers in Shanghai, Shenzhen and other places can further purchase and obtain all the property rights in the future. The time limit is mostly 5 years after the acquisition of the real estate title certificate or 10 years after the buyer signs the sales contract.
In order to promote the development of shared property houses, "red envelopes" have also been repeatedly superimposed in various places.
For example, Hangzhou has the same public service rights as buying commercial housing (including school districts) when buying a housing with shared property rights; many places also allow people who are not registered in the city to apply for purchase, only need to meet the relevant social security or individual tax payment, residence permit and other requirements .
As an important part of "housing to live without speculation", the industry generally believes that the current co-ownership housing reform will continue to advance, and at the same time, it will further increase the supply of co-ownership housing.
"It's been a month since I moved in, and I often sigh with my husband about our luck. Since then, we have a family, a lover, and a cat." A few days ago, Bubu, who moved into the new house, posted such a circle of friends.
Shared property housing, are you willing to try it?
(over)