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From China Securities

On August 15, the "Chongqing Release" official account released an interpretation of the recently promulgated public rental housing management measures, covering application conditions, allocation methods, rental pricing and other aspects.

According to reports, Luo Dongmei, deputy director of the Chongqing Public Rental Housing Administration, said at a press conference on policy interpretation that they are working hard to study the reform policy of transferring some public rental housing to allocated and sold affordable housing. The principle is to keep the attributes of security unchanged. People who meet the conditions can buy and inherit after purchase, but they cannot be listed for trading. Next, Chongqing will carry out reform pilot projects to help these people realize their wish to buy houses as soon as possible.

On the same day, Chengdu introduced a number of measures to encourage the "old for new" housing trade-in, including providing financial subsidies, issuing consumption coupons, lowering the first home recognition standards, and increasing housing provident fund loan amounts.

Chongqing plans to pilot the conversion of some public rental housing into allocated affordable housing

On August 15, the "Chongqing Release" official account released an interpretation of the "Chongqing Public Rental Housing Management Measures" (hereinafter referred to as the "Measures") which was recently promulgated and implemented.

According to the Measures, the application for public rental housing is based on the family as the unit. Each family shall identify one eligible family member as the applicant, and the spouse or family members with legal maintenance, support or maintenance relationship can be co-applicants. Unmarried, divorced or widowed persons, and migrant workers can apply as single persons and be the applicant themselves.

Regarding the application conditions, the Measures require that applicants must be at least 18 years old and have full civil capacity; have a stable job and source of income in Chongqing (sign a labor contract with an employer in Chongqing or hold a business license in Chongqing or receive pension benefits in Chongqing), and migrant workers must pay social insurance in Chongqing in accordance with the law. Among them, the per capita income of a family of three or more people shall not be higher than the per capita disposable income of urban residents in Chongqing in the previous year, and the per capita disposable income of a family of two shall not be higher than 1.1 times; and the per capita disposable income of a single person shall not be higher than 1.2 times.

At the same time, the applicant has no urban housing in Chongqing or the per capita housing area of ​​the family is less than 15 square meters, there has been no housing transfer within three years before the application date, and the applicant's parents, children or the applicant's spouse's parents do not have housing subsidies in the place where the public rental housing is applied for.

The Measures stipulate that public rental housing shall be allocated by public lottery or on a waiting list basis, and vacated housing shall be allocated on a waiting list basis.

The Measures clearly state that the rent of public rental housing in Chongqing shall not exceed 60% of the market rent of houses of the same location and quality in principle, and shall be determined based on the housing construction and operation costs and the income levels of different beneficiaries; the rent of public rental housing shall be adjusted once every three years based on the average changes in the per capita disposable income of urban residents in Chongqing, the Consumer Price Index and the Housing Price Index, and shall be announced to the public.

According to the Measures, there are four situations in which one can no longer live there: first, the lease contract expires, but the renewal application is not made as required or the renewal review does not meet the requirements; second, during the lease contract period, the lessee or co-resident purchases, receives as gifts, inherits, or obtains other housing, and no longer meets the leasing conditions; third, during the lease contract period, the lessee rents or purchases other affordable housing; fourth, the rent is in arrears for more than six months in total.

According to Hualong.com, Luo Dongmei, deputy director of the Chongqing Public Rental Housing Administration Bureau, answered questions from reporters at a press conference on the interpretation of the Chongqing Public Rental Housing Management Measures, saying that many people who have lived in public rental housing for many years have their own circle of friends and life circles here, and they really want to own a house of their own. In order to solve the practical difficulties faced by this group of people in buying houses, on the basis of fully guaranteeing the housing needs of low- and middle-income people with housing difficulties, we are speeding up the study of the reform policy of transferring some public rental housing to allotment-type affordable housing. The principle is to keep the attributes of the guarantee unchanged, and those who meet the conditions can buy it, and can inherit it after purchase, but it cannot be listed for trading. In the next step, Chongqing will carry out reform pilot projects to help these people realize their wish to buy houses as soon as possible.

Chengdu takes multiple measures to encourage "trade-in of old items"

On August 15, the Chengdu Housing and Urban-Rural Development Bureau and the Chengdu Housing Provident Fund Management Center jointly issued the "Notice on Carrying out the "Old for New" Housing Program in Chengdu."

It was proposed to encourage real estate developers to actively participate in the linkage of new and existing housing transactions, and to provide various forms of incentives or subsidies to buyers who "trade in old housing for new" in accordance with market principles.

At the same time, the Chengdu Real Estate Industry Association has built a housing "trade-in" platform, established an online and offline linkage mechanism, released information on participating companies, institutions and projects, and facilitated information communication and cooperation channels for real estate developers, real estate brokerage agencies, home buyers and other entities. It guides real estate developers to provide home buyers with "rest assured buying" services such as extending the subscription period by 3 months, and advocates that real estate developers and real estate brokerage agencies jointly share the transaction costs of housing "trade-in".

In addition, we support district (city) and county governments (management committees) to adopt diversified methods for demolition and resettlement, and encourage the promotion of "old for new" housing through the form of "housing tickets".

In addition, we support the district (city) and county governments (management committees) to encourage housing "old for new" by providing financial subsidies (including fixed subsidies, full or partial deed tax subsidies, value-added tax subsidies), issuing consumption coupons, etc. to buyers who sell their own homes and purchase new commercial housing within 6 months, or sell their original owned homes within 12 months after purchasing new commercial housing before December 31, 2024. The specific standards and implementation time will be determined by the district (city) and county.

The new policy also states that those who sell their own homes and buy newly built commercial housing within 6 months can be identified as first-time homebuyers. Support commercial banks to handle personal housing loan business according to the number of housing units recognized by customers. Before December 31, 2024, for buyers who sell their own homes and buy newly built commercial housing within 6 months, the maximum loan amount for dual-depositor families applying for housing provident fund loans will be adjusted to 900,000 yuan, and the maximum loan amount for single-depositor families will be adjusted to 500,000 yuan. Promote cross-bank and closed-end supervision of existing housing transaction funds, and further facilitate the "transfer of ownership with mortgage" in second-hand housing transactions.

Editor: Peng Bo

Proofreading: Yang Shuxin

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