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Securities Times reporter He Jueyuan

The not-so-new "housing pension" became popular because of a false rumor. Although the system itself is still in the early stages of exploration, what is certain is that the public housing pension account being piloted in 22 cities is established by the government. Local governments can raise funds through fiscal subsidies and land transfer fees. The purpose is to establish a stable funding channel for housing security management, which does not require residents to pay additional fees and will not increase personal burdens.

It is necessary to establish a long-term mechanism for housing safety management throughout the life cycle, including housing physical examinations, housing pensions, housing insurance and other systems, when entering the period of urban renewal. Housing pensions are one of the important means to strengthen the safety management of existing houses. my country has a large stock of houses. In recent years, the emergence of some housing safety incidents has exposed that some of my country's stock of houses have begun to have safety hazards due to their long construction time. In this context, it is necessary and reasonable to provide long-term financial guarantees for housing safety maintenance in a similar way to "pensions".

In fact, the special maintenance fund paid by individuals predates the emergence of the housing pension system, and as personal account funds, it has played a role of "housing pension". Years of practice have shown that although this fund is specifically used for the maintenance, renewal and renovation of common parts of residential buildings and common facilities and equipment after the warranty period expires, there are many constraints in its actual use, and it plays more of a "post-event remedy" role after hidden dangers are exposed, playing the role of the "second pillar" of housing pensions.

The public housing pension account will serve as the "first pillar" and will be mainly used for housing physical examinations and insurance expenses. From the perspective of functional positioning, the public housing pension account will play a more "pre-emptive prevention" and "bottom-line" role, and can promote housing safety inspections and maintenance work in a regular and legal manner without the need for owners to vote.

Because the "first pillar" of housing pensions has certain public attributes, its funding source will come more from fiscal funds with public attributes, rather than increasing personal burdens. Although the current fiscal revenue and expenditure are under pressure, my country's fiscal revenue and expenditure are still huge, and it is always capable of ensuring basic livelihood-related expenditures.

At present, the construction of the housing pension public account system is still in the "crossing the river by feeling the stones" stage. Looking forward, a series of issues such as how to coordinate the use of personal accounts and public accounts, how to sustainably raise central and local fiscal funds, and how to use funds efficiently will test the wisdom of policymakers. Before this system is rolled out on a larger scale, it is better to be patient and see how the housing pension system gradually "takes its first steps" through the exploration and experience accumulation of various pilot areas, and provide effective institutional guarantees for the establishment of a new model of real estate development.