New housing reform, what does the policy document say?

Mondo Home Updated on 2024-01-28

Document No. 14 issued on September 1 was implemented to pilot 35 cities with a population of more than 3 million, including "Zhengzhou". According to my experience, understand the principle of the document: the fewer words, the bigger the matter, this document requires the Ministry of Housing and Urban-Rural Development to cooperate and coordinate with the Ministry of Finance, the Ministry of Natural Resources, the People's Bank of China, the State Administration of Financial Supervision and other departments, which has a far-reaching impact, that is, "new housing reform".

The content of the document, the core of which has two points:

First, about commercial housing. Commercial housing returns to commodity attributes to meet the demand for improved housing (let commercial housing return to commodity attributes, meet the demand for improved housing, and promote stable land prices, housing prices, and expectations).

Commodities have dual attributes: exchange value and use value, the natural attribute of the house is residence, but since it is called "commercial housing", it is essentially a commodity of monetary exchange, which is fundamentally a market economy and needs to be naturally regulated by the market.

What does the "return" in the document mean, the subtext is that the commercial housing has been detached from the commodity attributes in the past, such as the price limit order, the house price is high, and the "limit fall order" is not good, and the price reduction is not good, otherwise it will be fined. There are many "incomprehensible" and "unconventional" operations in the property market policy. At the same time, the document pointed out: stabilize land prices, stabilize housing prices, stabilize expectations, and focus on the word "stable", it is impossible to have big ups and downs, so the value preservation function of commercial housing is still the most reliable.

The quality of commercial housing should be high, and 80% of the ** that can be seen in the current market is garbage, so the document points out that "cities with large inventory of commercial housing can be appropriately rebuilt or acquired as affordable housing according to the principle of marketization and rule of law", which means that those small developers who make up a number have no development experience, the quality of the houses is extremely poor, and they can't sell or hand over the house, and they can never sell the "real estate" that can never be sold when they buy it

Commercial housing is to meet the needs of "improved" housing, and the quality should be worthy of **, but if you can afford it, you can buy it, and what if you can't afford it?

Second, on the issue of home ownership, "let the wage and salary groups gradually realize home ownership, eliminate the anxiety of not being able to afford commercial housing, and let go of their hands and feet to strive for a better life".

This is to solve the problem of what to do if you can't afford it, increase affordable housing, you can rent or have part of the property rights, similar to the late 80s, early 90s, the principle of affordable housing "guaranteed capital and small profits". For low-income families, it doesn't matter if housing prices rise or fall, as long as there is a place to live, affordable housing may not be as good as the conditions of commercial housing, but it meets the basic housing needs.

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