You can buy half of the property in Dali's new house. Do you buy it?

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Different from the concept of traditional common property rights

Dali's Cangshan Erhai Lake, Fenghua Xueyue, has always been a utopian in many people's hearts. Hao Yun's sentence in "Go to Dali" "Isn't he not satisfied with life, it is better to go to Dali all the way to Dali", attracting countless young people's hearts and distance, and settle in Dali.

In recent years, Dali's tourism industry has been hit hard, and the real estate industry, which is closely related to the tourism industry, has faced the cold winter. Dali's house prices have repeatedly fell sharply, which has become a reality that the local area has to face.

A few days ago, in order to promote the steady and healthy development of the real estate market in the state, the Dali Prefecture Government issued the "Notice on Printing and Distributing Implementation Opinions on Promoting the Stable and Healthy Development of the Real Estate" (hereinafter referred to as the "Notice").

Even in the recent time in order to stabilize the property market, the policies of various localities have been "tricks", but the "Enterprise Edition Co -owned Property House" model that is different from the concept of traditional common property rights in the "Notice" and Buying half rent "and other sayings have aroused widespread society.

"Half buy and half rent"?

The "Notice" proposes to sell real estate development enterprises to sell commercial housing through "common property rights". Buyers can purchase property rights at a time of not less than 50%. The remaining property rights will continue to be held by real estate development enterprises. The contract agrees to purchase the remaining property rights.

Urban buildings by Dali Erhai Lake. Figure/Figure insect creativity

Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, told China News Weekly that the concept of common property rights launched by Dali is essentially different from the traditional common property rights. Traditional common property rights are the common property rights of home buyers and local governments. It is a form of security housing. It is more a way of promoting to the low -income people to better have property rights houses. This time, it belongs to the buyer and Developers have property rights.

In an interview with China News Weekly, the director of the Beijing Gold Prosecutor's Firm said that although the starting point of the policy is to stimulate the consumption of the property market, and in the short term, the cost of buyers' buyers have been reduced. However, he believes that from the long run, the house model has not declined. The buyers obtained are nothing more than some of the ownership of the house. If you want to get all the property rights, you still need to pay all the housing funds.

Wang Yuchen believes that traditional common property houses are policy guarantee housing and have corresponding qualification review, which will be more secure for buyers.

It is reported that before the "Opinions" was promulgated, Dali launched a round of real estate development symposium as early as March this year to conduct relevant discussions and work tasks on controlling land supply rhythm and increasing support for provident fund loans.

Dali's provident fund support for the new policy will also be launched in June this year. The loan quota is adjusted from 500,000 yuan from the original single employee to 650,000 yuan. %. Among them, the amount of single employee loans is higher than the newly implemented 500,000 yuan policy in Kunming, and its strength is not small.

In addition, in order to better play the role of government regulation, Dali specifically proposed in the Opinions that it will be led by propaganda, housing, urban and rural construction, cultural tourism and other departments to set up "marketing Dali" special classes with real estate, tourism and other industry associations, The online series of promotion activities continue to strengthen urban marketing.

Many interviewees believe that the introduction of Dali common property rights policy is related to the difficulties facing Dali at the moment.

However, in view of the "Notice" just released, no specific management rules are introduced, and no real estate enterprises have carried out marketing activities. Zhao Yun, a senior real estate person who engaged in real estate transactions in Dali Dali, told China News Weekly that at present their stores have no customers before customers. Come to consult related matters, many buyers have a wait -and -see attitude.

The real estate industry in "cold winter"

Dali's real estate industry also once had its own "golden age".

Before the epidemic, according to the "Hurun Global House Price Index 2019", from 2018 to 2019, Dali house prices increased by 20.2 % a year, which is the city with the highest increase in house prices and the second largest increase in housing prices in China.

"Few other tourist cities, like Dali, can attract a person to travel here, and then choose to settle here." A Dali real estate agent was so emotional.

It is worth noting that although Dali is a city known for tourism, the real estate industry has always played an important role in supporting Dali economy.

According to official information, in 2021, the real estate transaction area of ​​Dali City was 850,000 square meters, and the transaction amount was 9.244 billion yuan; the taxation of the real estate industry was 1.211 billion yuan, accounting for 24.73%of the city's taxes; the investment in the fixed assets of the real estate industry was 11.951 billion yuan, accounting for The city's total investment in fixed assets is 49.95%.

However, in recent years, due to the impact of the epidemic, Dali's real estate industry is not optimistic. The "Work Report of the Dali Prefecture Government in 2022" mentioned that due to the epidemic, Dali's 2021 inter -provincial tours were disconnected 4 times and 98 days. freezing point. If the epidemic continues, the development of tourism will still face uncertainty, and the impact will spread to other industries.

The "Report" also mentioned that difficulties and pressures came from the cold winter in the real estate industry. "Real estate companies are facing problems such as weak investment and lack of confidence."

It is reported that the purchase area of ​​Dali real estate development in 2021 decreased by 42.1%year -on -year, and the inventory of commercial housing increased. The proportion of Dali exports fell from a maximum of 53%to 23%last year. It affected many industries such as building materials and decoration, and the impact continued.

In addition, the "Statistics of the National Economic and Social Development Statistics of Dali Bai Ethnic Autonomous Prefecture in 2021" also showed that in 2021, the state's real estate development investment completed 17.80 billion yuan, a decrease of 15.5%over the previous year. Among them, residential investment was 13.84 billion yuan, a decrease of 16.3%; the sales area of ​​commercial housing was 1.53 million square meters, a decrease of 37.9%; the sales of commercial housing were 12.41 billion yuan, a decrease of 39.1%.

According to data from the National Bureau of Statistics, the sales price index of Dali New Housing in June this year fell 1%month -on -month. %, Among the 70 cities across the country, the decline is second only to Guangxi Beihai; and in terms of second -hand housing, Dali terminated the 11 consecutive decline in June and rose by 0.4%month -on -month, but still declined by 6%and 4.2%year -on -year.

Zhuge Finding House (Kunming Company) City manager Fu Yuxuan told China News Weekly that Dali is a well -known online celebrity tourist city in the country, the tourism industry is the pillar industry of Dali, and it is also the engine of Dali economic development. He said, "It can be said that Dali's tourism is closely related to the sales of real estate with travel to settle in the sales of real estate."

Fu Yuxuan said that Dali's real estate has seriously relied on foreign customers, but in the past two years, it has been affected by the epidemic. It is often forced to interrupt across provinces. Foreign tourists cannot enter, which will cause real estate sales to be blocked and the overall inventory pressure is great.

"In addition, real estate financing is affected by the three red lines (that is, the asset -liability ratio of the asset -liability after excluding the pre -collection, the net liability ratio is greater than 100%, and the cash short debt ratio is less than 1 times). Essence

Fu Yuxuan believes that in the past, the marketing strategy of housing enterprises was mainly based on customers outside the province, ignoring the demand for the purchase of local residents. This time, the new policy of Dali has reduced the threshold for buying housing and can activate the housing market and demand to a certain extent.

"The introduction of Dali common property rights policy is mainly to solve inventory pressure and reduce the helpless move of local residents' purchase threshold," he said.

Zhao Yun said that due to the epidemic, the turnover of their stores was only half of last year. However, he believes that if there is no epidemic affected in the second half of the year, the turnover should be picked up.

Expert: alert to property risk

In fact, before Dali, Shenzhen also issued similar policies. At the 2nd Greater Bay Area Enterprise Human Resources Development Summit Forum held on July 16, the Shenzhen Enterprise Human Resources Development Promotion Association and Shenzhen Anjiajian Industrial Development Co., Ltd. released the "Young Talent Co -Housing Plan" to launch young talents Organize property rights with enterprises.

The plan pointed out that after three years, if house prices have risen, young people can choose to buy the remaining half of the property rights from the original price and set up the "ride" of assets to rise; if house prices fall in three years, the company will toward young talents to young talents. Based on the original price to repurchase half of property rights, ensure that young people have no worries, and live and work in peace.

But in fact, the only project that is currently landing in the plan is an industrial apartment located in Baoan District, Shenzhen. The land for this project is industrial land. The 50 suits of houses launched are industrial apartments -such apartments, single dormitories and other non -commercial residential products, which have problems such as poor dewlocating in the market.

Moreover, the above measures are only the independent behavior of the enterprise. The "Youth Talent Co -owned Housing" plan does not belong to the contents of the Shenzhen Municipal Government's housing security or talent housing system.

Therefore, Dali can be said to be the first to support housing property rights in housing and buyers nationwide, but it should be noted that although Dali took the lead in testing the "corporate version of the property rights house", the current transaction price, taxes and subsequent subsequent transaction prices, taxes and fees, and subsequent subsequent involved Details such as rental and transaction have not been introduced.

Wang Yuchen believes that there is still a certain risk of Dali's common property rights. He mentioned that although the buyers did not need to worry about all the housing funds in the early stage, the corresponding property rights were not all property rights.

"Since the remaining property rights continue to be held by a real estate development enterprise, the buyer is leased, and the remaining property rights are purchased according to the contract of both parties, which means that the corresponding property rights are still owned by developers before buyers did not purchase the remaining property rights." Wang Yuchen said that if the developer has a funding problem or mortgage the remaining property rights during this period, it will have an impact on the rights and interests of the buyer. It affects future buyers' actual problems of houses, let alone whether to buy the remaining property rights. "

Wang Yuchen also mentioned that before the buyer obtained the remaining property rights, the buyer and the developer were actually co -owners. Although they were not strictly purchased together, they were similar to "co -purchase". "It is easy to have problems when buying a house. For example, in terms of sale, possession, use, mortgage, etc. At this time, you often need to 'see people'." He said.

Wang Yuchen said that if you really want to buy a "corporate version of the share of property houses", we must do a basic investigation and understanding of key information such as the developers and the developers' shareholders to avoid the troubles that may occur in the future.Secondly, a preliminary investigation of the project itself should be done, in addition to paying attention to the basic five certificates (state -owned land use certificates, construction land planning permits, construction engineering planning permits, construction engineering construction permits, pre -sale permits for commercial housing), it is also necessaryPay attention to the basic establishment procedures of the project and verify whether the conditions and policy requirements of such houses are met at the initial project.Third, after signing the relevant contracts, we must pay attention to the project progress of the developer in real time.Yan Yuejin believes that in addition to buyers to increase their vigilance, regulators should also pay appropriate attention to the financial risks and risks of such property transactions in order to better promote the promotion of transactions and models of such properties.

Author: Chen Shulian ([email protected])

Edit: Sun Xiaobo

Operation editor: Wang Lin

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