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Cailianshe reported on August 26 that the WeChat official account of "Architecture Magazine" published an editorial on August 26, saying that in recent days, the housing pension system that was repeatedly mentioned by the authorities as early as 2022 to be studied and established has been seriously misinterpreted!

At a press conference held by the State Council Information Office on August 23, Dong Jianguo, Vice Minister of the Ministry of Housing and Urban-Rural Development, said: "Study and establish housing physical examination, housing pension, and housing insurance systems to build a long-term mechanism for housing safety management throughout the life cycle. Currently, 22 cities including Shanghai are piloting. Speaking of housing pensions in particular, personal accounts have been paid through special housing maintenance funds, and the focus of the pilot is for the government to establish a public account."

In the original statement above, Vice Minister Dong Jianguo mentioned at the end that "the focus of the pilot is for the government to establish a public account." The public account here does not require the people to pay! Many self-media and video bloggers did not read or carefully read the complete statement, and concluded that the government will collect housing pensions. The complete statement above has made it clear that "personal accounts have been paid for by paying special housing maintenance funds."

As many experts have said, the main sources of funds for pension public accounts are: city governments can collect some funds through local financial subsidies, land transfer fees, funds from the sale of original public housing, and other channels.

Why do we need to study the housing pension system? This is actually very urgent and necessary, and it is also considered from the perspective of trying every means to protect the lives and property of the general public. Entering the era of stock housing, more and more houses are aging, and the existing safety hazards cannot be ignored. The "4.29" Changsha resident self-built building collapse accident in 2022, as well as the large and small house collapse accidents in the past caused by aging houses and lack of physical examinations, are extremely profound and very distressing.

In view of this, as we enter the era of existing housing, it would be extremely irresponsible to the safety of life and property if we do not pay attention to the issue of housing for retirement, do not plan ahead, and do not take precautions before problems occur.

Some people ask, isn't there a housing maintenance fund system? Indeed, every home buyer pays a housing maintenance fund of 5-8% of the construction cost when buying a house, which plays an important role in ensuring the daily safe operation of the community. However, due to the very limited amount, it is difficult to meet the needs of maintaining urban housing safety and renewing old communities.

For this reason, in order to explore the establishment of a stable funding pool that can be used for safety inspections, safety management, and maintenance and renewal subsidies for existing housing, to reduce the pressure of the growing scale and expenditure of existing housing in the future, and to alleviate residents' worries so that everyone can live safely and with peace of mind, in recent years, government departments have repeatedly proposed to study the establishment of housing inspections, housing pensions, and housing insurance systems.

The housing pension system, which everyone is paying attention to, is actually a bottom-line system designed to take into account the safety of people's houses, lives and property. It was proposed in a notice document issued by the General Office of the State Council a long time ago.

Housing pension and real estate tax are two completely different things. The rumor that housing pension is another kind of real estate tax is purely confusing and far-fetched. It is a deliberate attempt to mislead the public.

To sum up, if relevant supporting systems such as housing physical examinations, housing pensions, and housing insurance are truly established, it will be very beneficial for both the house throughout its life cycle and the residents living in it in terms of ensuring living quality, quality, environment, and safety, as well as preserving assets. This is the original intention of the design of this system.

Xiaocai Note: "Architecture Magazine" is the only journal publishing unit directly under the Ministry of Housing and Urban-Rural Development and an important public opinion platform in the housing and urban-rural development system.