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青年发展型省份丨青年想购房?“共有产权”了解一下!
Sou Hu Cai Jing· 2025-10-11 07:01
青享安居・筑梦南平 "共有产权"购房政策青年专场 自2024年10月,南平市"共有产权"购房政策推动实施以来,得到了社会大众特别是城市就业青年的极大关注。许多购房青年通过"共有产权"政策受益政策 红利,顺利实现购房、安居。为了帮助更多有购房需求的青年群体详细了解和知悉"共有产权"购房政策的相关内容和具体信息,共青团南平市委、共青团 建阳区委积极联合南平市住建局、南平武发房产集团有限公司开展"共有产权"(武夷新区、建阳区)购房政策宣传推介活动。 南平市住房公积金管理中心建阳管理部有关负责同志为大家解读购买共有产权房涉及的住房公积金政策,及相关利率解析。 结合现代青年群体关注家居住宅美学空间设计的需求理念,活动特别邀请南平武发房产集团"武发绿城·桂语听澜"生活设计师柳世炜老师围绕生活美学空 间搭配设计的主题进行生动具体的讲解。 活动最后,现场参与活动的青年结合自己的购房实际需求和具体问题,与住建局、公积金管理中心、武发房产的同志进行了面对面的交流和咨询。 下一阶段,市县两级团委将继续围绕城市青年"安居、乐居"的住房需求,联动住建系统、金融机构、住房公积金管理中心开展相关的政策宣传活动,努力 构建"打造城市对青年发 ...
漳州多地新政,降低购房压力→
Sou Hu Cai Jing· 2025-10-10 08:42
近日,漳州市住建局等3部门联合印发《漳州市"共有产权"购房政策指导意见》,云霄县、南靖县、平和县、龙海区、台商投资区等县 区积极响应,密集出台"共有产权"购房政策,支持城乡居民刚性和改善性住房需求,实现"居者有其屋"目标,构建"保障+市场"房地产发 展新模式,促进漳州市房地产市场平稳健康发展。 "共有产权房" 是指由国企和个人按比例出资购买,共同拥有房屋产权,个人须在规定期限内回购国企产权份额(按购买商品房时的价格免计利息)的 商品房。 云霄县:首付最高可支持30万元 依据《云霄县促进房地产市场平稳健康发展若干措施》和《云霄县"共有产权"房销售细则》,明确两类人群可申请:本地户籍无房或需 改善居住条件者,以及在当地连续工作满1年、无住房的非云霄户籍人员。 房源销售采取"分阶段、分批次"模式,分批次组织摇号,购房人无需"抢房";销售房源"一房一价",确保售价透明。首付支持按贷款类 型分档,商业贷款按最低15%首付比例,公积金贷款按最低20%首付比例,无贷款的按购房款总价的15%比例执行,首付支持每套最高 不超过30万元。购房人按照100%房屋产权享受业主权利,但需全额承担购房所产生的税费,10年内结清首付款(不 ...
国家终于对高房价出手!楼市传来好消息,老百姓的钱袋子守住了
Sou Hu Cai Jing· 2025-09-11 23:06
Group 1: Market Challenges - The national real estate development investment decreased by 11.2% year-on-year in the first half of 2025, with residential investment down by 10.4% [3] - New construction area saw a significant decline, with total new housing starts down by 20.0% and residential starts down by 19.6% [3] - The real estate development climate index was only 93.60 in June, indicating substantial downward pressure on the market [3] Group 2: Policy Responses - The government is implementing a series of targeted policies to stabilize the real estate market, emphasizing the importance of a new development model for sustainable growth [5] - The central bank reduced the reserve requirement ratio by 0.5 percentage points, releasing 1 trillion yuan in long-term liquidity, and lowered the 5-year LPR to 3.5% [6] - Plans for constructing 1.72 million units of various types of affordable housing in 2025 aim to address housing difficulties for new citizens and young people [6] Group 3: Financial Measures - The average interest rate for existing home loans is expected to decrease by approximately 0.5 percentage points, benefiting around 50 million households and saving them about 150 billion yuan in interest [7] - The government is promoting the "保交楼" initiative, which has successfully delivered 2.46 million homes, to stabilize market confidence [12][16] Group 4: Future Outlook - The real estate market is transitioning from a focus on growth to a balanced approach of maintaining both inventory and new supply, with significant potential demand remaining [14] - The emphasis on quality, stability, and sustainable development marks a shift in the real estate sector, necessitating close attention to policy changes and market dynamics [16]
大变局!2025年下半年,房子、车子、存款正在发生新变化
Sou Hu Cai Jing· 2025-08-20 10:42
Group 1: Real Estate Market - The real estate market is shifting from "asset appreciation" to "housing for living," with policies emphasizing the need for affordable housing [3][4] - The inventory cycle for commercial housing has extended to 28 months, with some cities experiencing new home prices lower than second-hand homes [3] - New regulations have improved actual housing rates by an average of 15%, ending the era of "paying for air" [3] - Shared ownership housing is being promoted in urban core areas, providing affordable options for young people [4] - The "housing ticket" policy is replacing cash compensation in demolition projects, reducing price volatility by 40% in affected areas [4] Group 2: Automotive Market - Potential car buyers are advised to purchase sooner rather than later due to impending tax changes [5] - The exemption on new energy vehicle purchase tax will end in 2025, with significant savings available for early buyers [7] - A new battery recycling policy is expected to increase the resale value of electric vehicles by 20% [7] - New regulations prohibit the trading of vehicles that have been registered for less than six months, enhancing market transparency [9] Group 3: Financial Management - The central bank is signaling further interest rate cuts, with one-year deposit rates dropping to 0.95% [10] - The personal pension contribution limit may be increased from 12,000 to 24,000 yuan, allowing for greater savings [10] - Younger generations are increasingly favoring diversified investment strategies, with 78% of users aged 25-35 opting for gold ETFs as a core asset [10]
楼市8月四大动作落地,普通购房者如何应对?
Sou Hu Cai Jing· 2025-08-03 01:48
Core Viewpoint - The Chinese real estate market is undergoing a significant transformation in 2025, shifting from strict regulation to active stimulation, driven by long-term strategic planning from the central government [1] Group 1: Supply-Side Structural Reforms - The government is issuing special bonds to acquire existing properties and convert them into affordable housing, with an expected scale exceeding 500 billion yuan, effectively mitigating market risks and improving housing supply structure [1] - New residential projects are mandated to meet higher quality standards, including a minimum energy efficiency rate of 65% and an 80% coverage of smart home systems, enhancing residents' living experience [1] Group 2: Financial Leverage Relaxation - The down payment ratio for first-time homebuyers has been significantly reduced to 15% nationwide, with cities like Xi'an and Nanjing leading the implementation, thus lowering the barriers to homeownership [2] - Mortgage rates are projected to drop to around 2.5% by the end of 2025, potentially reducing monthly payments by approximately 500 yuan and saving over 180,000 yuan in total interest for a 1 million yuan, 30-year loan [2] Group 3: Tax and Fee Reductions - In cities like Liuyang, homebuyers can enjoy a 60% tax rebate on deed tax from August to November, allowing savings of up to 24,000 yuan on a 1 million yuan property [4] - The personal income tax refund policy continues to support taxpayers who sell their homes and repurchase within a year [5] - Transaction costs have been streamlined, with deed tax for second homes in major cities like Beijing, Shanghai, Guangzhou, and Shenzhen reduced to 1% [6] Group 4: Targeted Support for Specific Groups - Families with multiple children are receiving enhanced support, such as a 60,000 yuan subsidy for two-child families and a 120,000 yuan subsidy for three-child families in cities like Wuhan [7] - Young talents under 35 with a bachelor's degree or higher can access up to 1.2 million yuan in housing fund loans without account balance restrictions in certain cities [7] Group 5: Strategies for Different Buyer Groups - First-time buyers are encouraged to take advantage of low down payments and interest rates, focusing on high-value products like shared ownership homes and small units in core areas [8] - Improving families can utilize tax refund policies for "selling old for new" strategies, prioritizing developers' "old-for-new" plans and quality communities equipped for aging [10] - Investors are advised to avoid speculative investments in third and fourth-tier cities and instead focus on quality assets in core urban areas, commercial real estate, and REITs with positive cash flow [10] Conclusion - The scale and intensity of the policy measures in 2025 are unprecedented in the last decade, marking a departure from the "universal price increase era" and a return to the residential nature of real estate [11]
每周精读 | 7月中国房地产企业销售榜、新增货值榜发布;2025中国房地产投资前景排行榜发布(7.28-8.1)
克而瑞地产研究· 2025-08-02 02:45
Core Viewpoints - The article focuses on the current state and future trends of the Chinese real estate market, highlighting sales performance, land supply, and investment prospects for major cities [2]. Group 1: Sales Performance - The cumulative sales scale of the top 100 real estate companies in China for the first seven months of 2025 is roughly the same as the same period last year [5]. - In July 2025, the top 100 real estate companies achieved a sales turnover of 211.6 billion yuan [5]. Group 2: New Land Value - The second half of 2025 is expected to see more "supply of quality segments" in residential land, with various regions likely to continue experiencing high-quality land transactions [6]. Group 3: Investment Outlook - Shanghai and Beijing remain the top two cities in terms of real estate investment prospects, with the top 50 cities' new home sales and GDP accounting for over half of the national totals [7]. Group 4: Urban Renewal Focus - The political bureau meeting on July 30 emphasized urban renewal, aiming for high-quality housing supply to stimulate demand for new homes [9]. - Demand is supported by population concentration and improvement needs, with the top 20 cities projected to have an annual incremental demand of 300 million square meters [9]. - The 2025 residential land supply plan is expected to decrease by 20% year-on-year, tightening supply expectations to promote market balance [9]. Group 5: Land Transaction Trends - The monthly land transaction scale has shown seasonal declines, with many cities reaching new high prices and significant increases in premium rates [11]. - In the week of July 21-27, the land supply scale decreased by 42% while transaction volume increased by 35%, with Shanghai setting a new national land price record at 200,000 yuan per square meter [12]. Group 6: Project Management Developments - New City Construction Management successfully signed seven projects in July, and Green Town Management delivered Ningbo's first shared ownership housing [13].
30多个项目5万多套房源 北京保障房清单来了
3 6 Ke· 2025-07-10 02:27
Summary of Key Points Core Viewpoint Beijing has announced its first batch of affordable housing construction plans for the year, which includes 34 projects expected to start construction, providing over 51,000 housing units. Additionally, 41 projects are set to be completed, offering over 56,000 units. This initiative aims to enhance transparency and accelerate the construction of affordable housing in the city. Group 1: Construction Plans - Beijing plans to start construction on 34 affordable housing projects this year, totaling 51,097 units [1] - A total of 38 projects have been included in the first batch of construction plans, providing 53,220 units [1] - Among these, there are 2 public rental housing projects with 983 units, 14 rental housing projects with 17,655 units, and 22 resettlement housing projects with 34,582 units [1] Group 2: Completion Plans - This year, 41 affordable housing projects are scheduled for completion, offering 56,083 units [7] - The completed projects include 12 rental housing projects with 11,154 units, 4 public rental housing projects with 6,045 units, 22 resettlement housing projects with 35,979 units, and 3 shared ownership housing projects with 2,905 units [7] Group 3: Reserve Projects - Four reserve projects are located in Haidian District, with the most notable being the Shucun rental housing project, which is strategically positioned outside the Fifth Ring Road [6] - The Shucun project is expected to provide 676 rental units [6] - The reserve projects are in the process of obtaining necessary approvals, with plans to commence construction next year [6]
未来3年,楼市或将面临“新变局”?2种趋势下,房产走势逐渐明朗
Sou Hu Cai Jing· 2025-07-05 04:06
Core Viewpoint - Since the initiation of the housing market reform in 1998, significant improvements have been observed in the living conditions of Chinese residents, with per capita living space increasing from 6-7 square meters to 39 square meters, marking a direct and notable achievement of the reform [1] Group 1: Economic Impact of Real Estate - The booming real estate market has become a powerful engine for China's economic growth, driving the prosperity of numerous related industries such as steel, cement, furniture, decoration, and home appliances, while also absorbing a large workforce [1] - The rapid increase in housing prices is a direct negative consequence of the market reform, with average prices soaring from 2000 yuan per square meter at the beginning of the reform to a peak of 11,000 yuan per square meter last year, particularly in first-tier cities where prices surged from 3000 yuan to 65,000 yuan per square meter [3] Group 2: Housing Affordability Issues - Despite the overall growth in living conditions, the housing price surge has not benefited all demographics, particularly middle and low-income groups and migrant workers, leading to a persistent housing demand that remains unmet [3] - Even after a decline in the real estate market in the latter half of last year, high housing prices continue to exceed the purchasing power of most residents, with homes in first-tier cities costing 6-7 million yuan and even in third and fourth-tier cities requiring over 100,000 yuan [3] Group 3: Government Initiatives - The government is increasing investment in affordable housing, planning to invest approximately 3 trillion yuan to construct 8.7 million units of affordable rental housing over the next five years, which will effectively divert demand from the commodity housing market [4] - The future real estate market is expected to evolve into a tripartite structure consisting of the commodity housing market, rental housing market, and shared ownership housing market, leading to a gradual exit of speculative investment demand [4] Group 4: Future Market Trends - Over the next three years, significant changes are anticipated in the Chinese real estate market, with a clear trend towards reducing reliance on the real estate sector for economic growth, as emphasized by the Minister of Housing and Urban-Rural Development [5] - The ongoing "housing is for living, not for speculation" policy and increased government efforts in affordable housing construction are expected to effectively limit the potential for significant price increases in the housing market, opening the door for long-term adjustments [6]
买菜大妈一句话“说透”楼市本质?众人坦言:比许多专家看得透彻
Sou Hu Cai Jing· 2025-06-23 05:15
Core Viewpoint - The article discusses the looming risks of a real estate bubble in China, suggesting that the current market dynamics resemble a "musical chairs" game, indicating an impending end to speculative activities in the housing market [1][10]. Economic Downturn and Increased Savings - In 2022, the economic downturn and repeated pandemic impacts led to heightened public concerns about job security and income, resulting in a significant increase in the desire to save, with 61.8% of respondents in a survey indicating a preference for saving, up by 3.7 percentage points from the previous quarter [3]. - The increase in savings does not benefit all demographics equally, as the 15 trillion yuan in new deposits primarily flows to wealthier individuals who do not require housing, leaving low-income groups unable to afford homes [3]. High Housing Prices and Affordability Gap - The average price of new residential properties in December 2022 reached 16,177 yuan per square meter, while second-hand homes averaged 15,876 yuan per square meter, making it difficult for most families to afford homes, with typical residential purchases requiring down payments of 500,000 to 600,000 yuan [4]. - The suggestion to stimulate the economy through housing purchases may inadvertently encourage ordinary citizens to become "greater fools" in a high-price market, overlooking the realities of supply and demand [4]. Supply-Demand Imbalance in Real Estate Market - The real estate market is characterized by a significant oversupply, with 96% of households owning at least one property and 1.2 billion vacant homes available, indicating a supply far exceeding demand [6]. - The market is transitioning back to its fundamental purpose of providing housing rather than serving as an investment vehicle, as evidenced by the increasing number of cities entering an adjustment phase where speculative buying is losing its appeal [8]. Future Market Dynamics - The increase in affordable housing options is expected to divert demand away from the commercial housing market, leading to a segmentation of the real estate market into three categories: commercial housing, rental housing, and shared ownership housing [8]. - This segmentation is anticipated to curb speculative buying behaviors and promote healthier market development [8]. Conclusion - The risks associated with a potential real estate bubble are significant, and reliance on real estate to stimulate economic growth is becoming increasingly untenable, signaling the end of a prolonged speculative phase in the market [10].
通州台湖、马驹桥的速看!均价25500元/㎡,256套共有产权房今起申购!
Sou Hu Cai Jing· 2025-06-10 18:48
Project Overview - The project is located in the Majia Bridge Town of Tongzhou District, Beijing, with a total planned construction area of approximately 205,600 square meters, of which the above-ground area is about 124,600 square meters. The project includes 1,312 residential units, including 173 relocation housing units and 1,139 shared ownership housing units [2]. Application Conditions - Eligible applicants for purchasing shared ownership housing must meet specific criteria, including being a household without housing, having full civil capacity, and being at least 30 years old for single applicants. Households can only purchase one shared ownership housing unit [4][6]. - Certain conditions disqualify applicants, such as having signed a housing purchase contract or having a housing transfer record in the city [6][7]. Target Sales Groups - The first group consists of households without housing employed in integrated circuit industry enterprises within the Economic Development Zone [9]. - The second group includes households without housing employed within the 225 square kilometer area of Yizhuang New City and the six urban districts of Beijing, as well as those with household registration in specified towns and districts [10][11]. Shared Ownership Ratio - The shared ownership ratio for the project is determined according to the "Interim Measures for the Management of Shared Ownership Housing in Beijing." The buyer will hold a 70% ownership share, while the government will retain a 30% share [13]. Registration Information - The online registration period for applications is from June 10, 2025, at 10:00 to June 24, 2025, at 17:00. Interested applicants are encouraged to register within this timeframe [14].