First, what is affordable housing? What are the classifications of affordable housing?
(1) Affordable housing refers to the housing provided by the government for low-and middle-income families with housing difficulties with limited standards, limited prices or rents.
(2) Classification of affordable housing: Affordable housing is mainly composed of low-rent housing, affordable housing and policy rental housing. Self-occupied commercial housing was launched by Beijing Municipal Commission of Housing and Urban-Rural Development on 2065438+2003122 October, and the price was 30% lower than the surrounding area. Faced with the high housing prices in Beijing, sandwich buyers can only pay attention to policy housing and self-occupied commercial housing such as affordable housing and public rental housing.
Second, what is self-housing?
Self-occupied commercial housing refers to the commercial housing in which real estate development enterprises obtain land use rights by "limiting house prices and competitive land prices" and give priority to meeting the needs of residents for self-occupation and improved housing in accordance with the principle of limiting sales targets and prices. Its construction area in Xing Tao is mainly below 90 square meters, and the average selling price is determined in principle at a level about 30% lower than that of commercial housing with the same quality in the same lot. For families who meet the purchase restriction conditions in this city; The purchase of such housing shall not be listed within five years, and 30% of the listing proceeds shall be turned over to the finance after five years.
3. Who are eligible to apply for self-housing?
1. Beijing registered households who have no house or only one house can apply for self-occupied commercial housing;
2. Non-Beijing families who meet the conditions for buying houses and have no houses under their names (they need to hold valid temporary residence permits and pay social security or individual taxes in this city for more than 5 years (inclusive), and can buy a set of self-occupied commercial houses);
3. Singles must be at least 25 years old to buy self-occupied commercial housing in Beijing;
4. Families with no household registration in this city and families waiting for affordable housing and price-limited housing can give priority to purchase.
4. Priority purchase conditions for self-occupied commercial housing?
1. Houseless families with household registration in Beishi (including couples and minor children), of which singles must be at least 25 years old.
2, affordable housing, price-limited commercial housing waiting for families.
Note: Eligible families can only buy one self-occupied commercial house. . For families who meet the purchase restriction conditions in this city; The purchase of such housing shall not be listed within five years, and 30% of the listing proceeds shall be turned over to the finance after five years.
5. What is the process of choosing a house from the house?
1. Waiting for admission: families who buy houses (limited to 2 people) arrive at the site according to the notice period, and enter the waiting area (pre-selection period) for pre-selection with the original ID card of the purchaser and other materials carried by the staff after the preliminary examination.
2. Queue and call for numbers: The staff members call for numbers in the order of drawing lots, organize queues and check the information they carry. Families who buy houses wait in line in order, and after being audited by the staff, they are selected into the housing area for formal housing selection.
3. Formal house selection: After the buyers enter the house selection area, they will select houses according to the remaining houses and sign for confirmation. The time to choose a house is only about 3 minutes, so before choosing a house, they should choose a good room type and housing, and make records. There are two ways to record. If you choose a house first, then record the room type in your heart, building number+room number. If you choose a house in a relatively backward order, then write down the apartment you are least willing to choose, because the latter apartment is basically the remaining apartment that others have already chosen, so you can write down the least favorite apartment when choosing a house and exclude the least favorite apartment.
4. Pay down payment: After the house selection is completed, the buyer will pay down payment in the payment area with the signed house selection form, and the developer's financial staff will issue a receipt.
5. Subscription book signing: The purchasing family signs the subscription book in the signing area with the payment receipt.
6. Loan consultation: Buyers who need loans consult mortgage loans or provident fund loans.
7. Leave the court
6. Are there any precautions for choosing your own house?
1, prepare your homework before choosing a house.
Before choosing a house, buyers need to determine the type of apartment they want to buy according to their own financial resources and family population. You must remember what kind of apartment you want to buy at this time. It is suggested to divide it into three rooms, two halls and one room, determine how many apartments you want, and then consider the advantages and disadvantages of specific apartments. In general, the time for choosing a house is 5- 10 minutes. Time is tight at this time, and the tense atmosphere at the scene will make people feel a little overwhelmed. Therefore, it is very necessary to make full preparations in advance. Don't think about going to the scene to choose slowly. Time and environment are basically not allowed.
2. Prepare documents before choosing a house.
Please follow the developer's notice, bring all the materials and certificates needed to choose a house, and bring the original and copy. (All submitted materials must be provided with originals and copies)
3. The choice of apartment type and housing.
Generally, it is enough to come to the site 1 hour in advance. When waiting for the candidate's house in front, you can pay attention to the on-site sales control table, and the sold house will be labeled. Generally speaking, there is a 5-minute time difference between the off-site sales control table and the housing selection area sales control table, but there is little difference. Before entering the housing selection area, the sales control table is the reference standard. You can choose 3-5 rooms and room numbers you want in front of the sales control table and write them on a piece of paper. After entering the housing selection area, report to the staff according to the candidate housing listed by yourself.
4. Self-occupied house selection signing subscription book.
When you choose a house and pay a deposit, you have to sign a subscription book. The name on the subscription book must be filled in with the name of the verification family, and the name of the purchaser must be included in the verification family members. For example, if parents buy for their children's families, if the parents' names are written on the family members, then the name of the purchaser cannot fill in the children's names.
5. Start saving when choosing a house.
After the house selection is completed, the purchaser should pay the deposit and sign the subscription book at the same time. Only 1 bank savings card marked "UnionPay" (only 1 card) can be swiped at the house selection site (credit card is not allowed). It should be noted here that the name of the savings card is the same as that of the buyer. If it is inconsistent, if you give up the purchase deposit later, you cannot return it. This requires special attention.
6. When is the down payment for choosing a house?
Pay the down payment except the down payment within ten working days after choosing the house. For example, the down payment is 587,000, in addition to the down payment of 6,543,800+10,000, it needs 487,000. In the ten days from the end of the house selection to the down payment, you need to prepare the information for the bank to review. However, it should be noted here that the loan amount must be filled in when choosing a house. However, if the loan amount filled in when choosing a house cannot be used for personal reasons later, that person can't supplement the subsequent down payment and can only pay in full.
7. What are the self-occupied housing projects in Beijing at present?
(There are 63 projects in history, but there is no purchase at present)
Qualification examination: Beijing urban construction people are happy to live in the house and the capital is happy to meet.
The lottery is completed: Jinyu Huijing Garden,
Review finished: Fuxing Pengcheng and Jinyu Dacheng? Jin cheng ya yuan
House selection and contract signing: Xishan Lake (Phase II), COFCO Rice Field Yazhu, Zhu Zongwan Ke? TBD Vanke Tiandi, Banyan Tree, Sunshine City? Sunshine Jiayuan
8. Can you briefly introduce public rental housing?
Public rental housing has many advantages. For example, the lease term is stable, generally 3 years, and the longest is no more than 5 years. After the expiration, if you still meet the conditions, you can renew the lease without worrying about being arbitrarily raised by the landlord or rushing to move.
The rent of public rental housing is low, generally slightly lower than the market rent, and eligible low-and middle-income families can also receive rent subsidies.
(The above answers were published on 20 17-04- 13. Please refer to the current actual purchase policy. )
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