On August 3, the reporter learned from the Sichuan Provincial Department of Housing and Urban-rural Development that in order to further improve the housing security system, speed up the establishment of a housing system featuring multi-subject supply, multi-channel security, and simultaneous rent and purchase to meet the multi-level housing needs of new citizens, Sichuan Provincial Housing The Construction Department and six departments drafted the "Guiding Opinions on the Development of Shared Property Housing (Draft for Comments)" (hereinafter referred to as "Guiding Opinions (Draft for Comments)"), and officially solicited public opinions and suggestions. The deadline for feedback is: August 21, 2022.
The reporter learned that the overall requirements of the "Guiding Opinions (Draft for Comment)", adhere to the positioning of "housing and not speculating", highlight the people's livelihood attributes of housing, deepen the structural reform of the housing supply side as the main line, and focus on cities with net population inflows, Cities with prominent contradictions between housing supply and demand, many people with housing difficulties, large demand for multi-level housing, and other cities in need shall explore the development of housing with shared property rights, effectively solve the housing difficulties of the "sandwich" people, and promote the realization of housing for all people.
The "Guiding Opinions (Draft for Comment)" proposes that the government will provide preferential policy support for co-ownership housing, and will focus on supplying urban housingless groups who have certain economic affordability but cannot afford commercial housing. , area standards, supply objects, property rights ratio, pricing principles, purchase allocation, property rights registration, listing transactions, etc., clarify the institutional framework at the provincial level, and provide certain policy basis and guidelines for cities (states) to develop shared property housing according to local conditions .
Who can apply?
Priority supply to urban households without housing
The "Guiding Opinions (Draft for Comments)" clarifies the nature of housing listings for co-ownership housing.
Shared property housing is invested by the government or provided with preferential policy support. It is raised and constructed in accordance with relevant standards. It is supplied to groups with certain economic affordability but cannot afford commercial housing. It is given priority to households without housing in urban households. The purchaser shares the property rights according to the share and restricts the right to use and dispose of the market housing with guaranteed nature.
In terms of supply objects, the "Guiding Opinions (Draft for Comment)" clarifies that it adheres to adapting measures to local conditions, and the scope of supply of co-owned housing is mainly for the urban household registration population, and gradually expands to the urban permanent population.
All kinds of talents who meet the relevant regulations with stable employment and no housing in cities and towns can be given priority.
Each applicant can only apply for one set of co-ownership housing.
In terms of housing resources raising channels, the "Guiding Opinions (Draft for Comment)" proposes that all localities should fully study and judge the housing market and the construction of affordable housing, and establish the transformation of existing commercial housing, resettlement housing, and price-limited housing, and the construction of commercial housing. Centralized land supply and new construction and other diversified housing resource raising methods.
The competent housing security department shall, in conjunction with relevant departments, determine the requirements for raising and constructing houses with shared property rights, the proportion of allotment and construction, and the ownership of property rights, etc.
What is the size of the house?
Mainly small and medium-sized units below 90 square meters
In addition, the "Guiding Opinions (Draft for Comment)" also clarifies that the housing with shared property rights is mainly small and medium-sized units with a construction area of less than 90 square meters.
If the holding agency entrusted by the government converts the existing commercial housing, it is not subject to the aforementioned area restrictions.
All localities should reasonably determine the building area standard and building type based on the actual situation, so as to effectively meet the living needs.
In terms of ensuring the quality of housing, the co-ownership housing should implement the delivery of finished housing, and strengthen the management of the whole process of planning, design, construction, supervision, acceptance, etc., to ensure the quality and quality of housing, and related supporting municipal infrastructure and public service facilities should be planned synchronously , Simultaneous construction, synchronous use.
How to allocate management?
Personal property rights not less than 50%
The "Guiding Opinions (Draft for Comments)" pointed out that in principle, the proportion of individual property rights of the purchaser shall not be less than 50%, and the rest of the property rights shall be held by the government-entrusted agency.
The specific proportion shall be determined by each locality after comprehensively considering the applicant's ability to pay and the housing market price level.
In terms of standardizing the purchase management, the purchaser of a co-owned property housing shall truthfully declare the housing, property, income, etc.
The departments of public security, civil affairs, human resources and social security, natural resources and planning, and banks shall, according to their functions and responsibilities, do a good job in qualification examination and other work.
Promote the establishment of a one-stop online application for the purchase and review of housing with shared property rights, and improve the processing efficiency.
All local housing provident fund management agencies shall actively handle the procedures for housing provident fund loans, withdrawals and other procedures for purchasers in accordance with regulations, and appropriately increase the maximum loan amount of housing provident funds.
how to use?
Do not rent out, lend, or idle for a long time without authorization
In terms of post-supply management of co-owned housing, the "Guiding Opinions (Draft for Comment)" proposes that housing use will be regulated.
The purchaser enjoys the same basic public service rights as the residents who purchase commercial housing.
If the housing with shared property rights and commercial housing are in the same community, they shall be included in the unified management of the community where they are located, and they shall enjoy the same services and assume the same obligations.
The purchaser shall, in accordance with the relevant regulations and the contract, pay the special residential maintenance fund and property management service fees calculated based on the entire property construction area of the entire set of co-ownership housing, and enjoy the corresponding rights.
The purchaser shall use the common property housing in accordance with the relevant regulations and the contract, and shall not rent or lease it, leave it idle for a long time, change the use, or change the structure of the house, which will affect the function and quality and safety of the house.
If the purchaser really needs to lease, it must reach an agreement with the holding agency through negotiation.
The "Guiding Opinions (Draft for Comment)" proposes that all localities should explore and open up channels for existing commercial housing, affordable rental housing and shared property housing to meet diverse housing needs.
Can it be turned into a commercial house in the future?
After holding the certificate for 5 years, you can buy the property rights held by the agency holding agency
In addition, in principle, if the purchaser has obtained the real estate registration certificate for co-ownership housing for 5 years, he can purchase the property rights held by the holding agency at the initial purchase price by one-off payment or installment payment until he finally has the full property rights. After the increase in purchase, the nature of housing will be converted into commercial housing.
Support qualified localities to subsidize the purchaser's payment of co-ownership housing deed tax according to the actual situation.
For additional purchases after more than 5 years after obtaining the real estate registration certificate of jointly owned housing, the additional purchase price shall be determined in the form of the initial purchase price plus a fixed interest rate or the appraisal price at that time.
In terms of inheritance of property rights, if the purchaser dies and his heirs meet the requirements for the purchase of housing with shared property rights, they can inherit the individual share of the housing with shared property rights.
If the heir does not meet the conditions for the purchase of a house with shared property rights, the property rights shall be transferred or withdrawn in accordance with relevant regulations.
In the next step, the Sichuan Provincial Department of Housing and Urban-rural Development will jointly issue the "Guiding Opinions" with six departments as soon as possible, strengthen the coordination of departments, and guide cities in need to actively raise and build housing with shared property rights, benefit people's livelihood, stabilize growth, and effectively solve the "sandwich layer" people. The problem of housing difficulties is to promote the realization of housing for all people.
Chengdu Business Daily-Red Star News reporter Wang Yao