Original title: The construction of affordable housing focuses on sustainability.
The China Development Bank (CDB) recently launched the country's first placement affordable housing loan in Fuzhou, marking the official launch of a new round of affordable housing planning and construction.
According to the survey, the original housing security system is dominated by public rental housing and affordable rental housingNowadays, on the basis of the original housing security system based on rent allocation, a new way of placing affordable housing is expanded, and the construction of affordable housing is divided into two types: rental allocation type and allocation type, of which the allocation type includes public rental housing and affordable rental housing, and the placement type affordable housing is allocated according to the principle of capital preservation and small profits. The planning and construction is intended to ensure the basic needs, meet the multi-level housing needs of the market, and establish a housing mechanism that combines rental and purchase.
The construction of affordable housing focuses on the attribute of "security", the key lies in the clarity of the "boundary" of the market and security, and the difficulty lies in the sustainability of supply. The planning and construction of a new round of affordable housing reflects the characteristics of three aspects in promoting the further improvement of the housing mechanism and the first system, which is expected to make the affordable housing better play its security function.
The first is precise locking, which is more clear on "who to protect". According to the requirements, the new round of affordable housing in terms of the scope of protection, focusing on the wage and salary income groups with housing difficulties and low income, as well as the introduction of talents needed by the city. The purchase criteria for allotment affordable housing are placed in order according to the applicant's family income, housing, property and other factors, starting from the most difficult groups and gradually expanding the scope.
The second is to revitalize the stock and be more sustainable in terms of "how to build". The "Guiding Opinions on Planning and Construction of Affordable Housing" issued in 2023 will not only support new construction by allocating land to support new construction, but also put forward two ideas for revitalizing the stock, the first is to make full use of the approved unbuilt land recovered in accordance with the law, the bankruptcy disposal of commercial housing and land by real estate enterprises, idle housing and other construction to raise affordable housing;Second, support the use of idle and inefficient industrial, commercial, office and other non-residential land to build affordable housing. This is conducive to increasing the supply and sustainability of security**, so as to better solve the outstanding problem of insufficient supply.
The third is closed management, which is more standardized in "how to manage". According to the new thinking, affordable housing is not allowed to be listed and traded, strict closed management is implemented, and it is forbidden to change newly built placement affordable housing into commercial housing and enter the market in violation of regulations. At the same time, it is stipulated that the affordable housing purchased by the wage and salary income group shall not be idle for a long time, otherwise it will be repurchased by **. It can be seen that the new round of reform has a clear problem-orientation, strengthens the standardization of placement and management, and adds another insurance to the "security" attribute of affordable housing.
Promoting the construction of affordable housing, solving residents' housing difficulties, and promoting the establishment of a new model for the transformation and development of the real estate industry are the inherent requirements for high-quality development in the process of Chinese-style modernization. All localities must make up for the shortcomings in the construction of affordable housing as soon as possible, increase the construction and supply of affordable housing, and strive to enable the people to eliminate their anxiety and stabilize their expectations in terms of basic housing needs, and let go of their hands and feet to make unremitting efforts for a better life. (Mao Tonghui).
*:Economy**.