Dali buying a house supports "semi -buy and half rent", and a total of more than 20 cities in the country's ownership of property rights have been landed.

The 21st Century Business Herald reporter Li Sha Beijing reported that a few days ago, Dali issued a new property market and supported real estate development enterprises to sell commercial housing through the "common property right" method. Buyers can buy property rights in less than 50%in advance. The remaining property rights will continue to be held by real estate enterprises. , The buyer is leased, and then the remaining property rights are purchased in accordance with the contract between the two parties.

Previously, the common property houses were mainly owned by individuals and the government. According to incomplete statistics, Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Chengdu, Xi'an, Nanjing, Ningbo, Lanzhou, Dongguan, Huai'an, Huangshi, Zhuhai, Maoming and other 20 cities have issued a co -owned house related policies Relevant policies are publicly solicited.

Yan Yuejin, research director of the Think Tank Center of the E -House Research Institute, said to the 21st Century Business Herald reporter that the common property houses mainly refer to policy housing with guarantee attributes. The essence is to reduce the cost of buyers' buyers.

Property right: Who shared with?

Tourism is one of the key industries of Dali. According to data from the Dali Statistics Bureau, in 2021, Dali received a total of 44.518 million tourists at home and abroad, an increase of 13.5%over the previous year. 163.30 billion yuan.

Buying a house at Erhai Lake is a distance of many people, but in 2021, Dali real estate data has declined significantly. The sales area of ​​commercial housing in the state is 1.53 million square meters, a decrease of 37.9%; the sales of commercial houses were 12.41 billion yuan, a decrease of 39.1%.

Recently, Dali house prices have also fallen. According to data from the National Bureau of Statistics, since September last year, the prices of Dali new houses have continued to fall, and second -hand housing has fallen for 9 consecutive months. In June, the price of new houses in Dali decreased by 1%month -on -month. It was one of the five cities with the largest decline in 70 cities. It has fallen 6.3%compared with the same period last year.

On August 1, Dali issued 26 measures to bail the property market, including supporting developers and buyers to jointly hold housing property rights. Yan Yuejin believes that this policy is a innovative practice of Dali to promote the de -product of commercial housing. It can be regarded as the "semi -purchase and half rent" model, which objectively reduces the cost of buyers' preliminary purchase costs and helps to activate the demand for house purchase and the local market.

Yan Yuejin said that Dali's policy is different from the traditional property housing policy in the traditional sense, which is a form of recent fancy marketing. "Traditional common property houses are the common property rights of home buyers and local governments, and this time it belongs to buyers and developers co -ownership of property rights." Yan Yuejin said.

According to Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Rules Institute, it is necessary to further refine similar policies, including transaction prices, transaction taxes, and second -hand housing. In the form of installment payment, 50%of the property rights are purchased first, and the remaining property rights are more operable to pay for several years.

Yan Yuejin also pointed out that the policy should do a good job of housing loan management, the calculation of the house purchase, and the calculation of the total property rights of the remaining property rights in subsequent execution. The regulatory authorities should pay attention to the financial risks and risk of default in such property transactions.

Earlier, at the Greater Bay Area Enterprise Human Resources Development Summit Forum held last month, the Shenzhen Enterprise Human Resources Development Promotion Association and Shenzhen Anjiajian Industrial Development Co., Ltd. have released the "Youth Talent Co -owned Housing" plan for enterprises and individuals. That is, housing enterprises and young talents buyers jointly hold targeted real estate rights, and both parties may repurchase property rights.

After 5 days, the launch of the Rangjun 107 digital garden project with common housing listings issued a statement on its WeChat public account, saying that the plan is inconsistent with the policy of Shenzhen's talent housing, the company plans to put on hold on the plan to hold holder Essence

In addition to the common property rights policy launched by Dali and the property rights issued by Shenzhen housing enterprises, the common property rights housing policies of the rest of the cities are mainly buyers and the government shared property rights.

Meng Xinzeng, an analyst of the Index Division of the Medical Research Institute, told a reporter from the 21st Century Business Herald that the common property house was originally a policy of solving the demand for houses in cities' just needs. For developers, the biggest benefit may be to promote deformation.

Circulation: closed or open?

At the press conference of the National New Office held on July 7, 2021, it is clear that the common property houses are one of the three major subjects of the housing security system in my country. They are mainly targeted at buyers who have some accumulation and ability, but they cannot afford to buy a house buyer. Make it able to spend a lower price to purchase part of the property rights of common property houses.

In 2007, Huai'an, Jiangsu, conducted a joint property house attempt. In 2014, the Ministry of Housing and Urban -Rural Development used Beijing, Shanghai, Shenzhen, Chengdu, Huai'an and Huangshi as pilot cities in the country's share of property rights.

In 2017, the Ministry of Housing and Construction issued a document to support the pilots of common property housing in Beijing and Shanghai, and made it clear in the documents that the common property houses are mainly small and medium -sized, mainly for housing difficulties that meet the prescribed conditions, preferential supply of house -free families, and because of it, it is caused by it. State -owned institutions hold government property shares on behalf of the government. It also requires the formulation of specific management measures for common property housing, and establish rules such as providing pricing, property rights division, use management, and property rights transfer.

After incomplete statistics, as of now, including the aforementioned 6 pilot cities, more than 20 cities have introduced the management measures for common property houses, or issued solicitation drafts. There are significant differences in the common property houses in various places in specific management.

For example, in terms of property rights share, Ningbo stipulates that the property rights share of house purchase families shall not be less than 60%and not higher than 80%in principle; Nanjing will divide the first purchased property share from the income of home buyers. The property rights shares of other guarantees shall not be less than 50%, 70%, and 80%, respectively. In terms of use, some cities can be rented, and some cities only support the use of house purchase families. For example, in Beijing's common property housing supports rental, Guangdong is clearly not allowed to rent or lend the house or lend to others other than the buyer's own or spouse.

The differences in circulation in various places are also obvious. The transfer of property rights in the common property houses in Beijing, Shanghai, Guangzhou and other places is closed. It only supports the purchase of the holding institutions or people who also have the qualifications for buying a house with common property housing. Property rights; Hangzhou, Ningbo, Nanjing and other places support open transactions, that is, after meeting the requirements of the holding agreed year -on -year, support buyers to purchase the remaining property rights and listing transactions. Hangzhou and Ningbo stipulate that the nature of the house can be converted into commercial housing.

There are differences in market conditions in various places, so the provisions of common property houses are different. Yan Yuejin pointed out that there are more and more cities and forms that have launched co -ownership housing policies, which also shows that this model has been recognized by the government and the market. In the future, there may be more cities to launch relevant policies. It is also expected that the supporting policies of the common property houses will be more complete.

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