What is Affordable Housing? I am a recent college graduate, how can I buy a house more economically?

Affordable housing is a special type of housing purchased from a developer. Its land for construction is acquired in the form of allocation. Real estate developers did not pay land transfer fees to the state when they obtained land use rights, and the state also reduced or exempted some taxes and fees payable by developers.

As a result, the state restricts high profit margins for developers, and the entry of real estate into the market** is low. Only those who meet certain conditions (have a Beijing hukou, or hold a Beijing green card, have a written certificate issued by the work unit or street of the husband and wife that the annual family income does not exceed 60,000 yuan, and the written certificate that both husband and wife do not enjoy the benefits of housing reform, housing division, etc., and have the qualification to purchase affordable housing with the approval of the relevant municipal departments). A comprehensive land premium must be paid at the time of transfer.

And the person who buys such a second-hand home must also be eligible to buy affordable housing.

Affordable housing is a limited property right, not all rights about real estate you have, and the management of affordable housing in the county is very chaotic, and the impact of the policy is too great, so it is not recommended for landlords to buy affordable housing.

With an annual salary of 50,000 yuan, you can consider taking out a loan to buy a house with a moderate area and a total price as a transition. In the future, if you have more savings, or if you get married and have children, you can change to a bigger house, and then rent out the first house to pay off the monthly payment, or sell it (the house price will definitely go up).

As for whether to buy a new home or a second-hand home for the first home, it depends on your specific requirements. The down payment loan for new houses is low, the house type is fashionable, and the community is beautiful, but when the real estate certificate can be issued, whether the area will shrink after completion, and whether the planned community green space can be realized are all risks. Second-hand housing is mature in community management, with complete surrounding supporting facilities and convenient public transportation, but the age of the house is long, the sanitation of the corridor is difficult to guarantee, the house type is old, and the appreciation space is not as large as that of new houses (especially off-plan houses).

How to choose, the landlord goes around, knows more, and then refers to the owner's evaluation of the community in the online community forum before making a decision.

With an annual salary of 50,000 yuan, I still want affordable housing...

Legal analysis: Affordable housing is a commercial housing with the nature of social security built in accordance with national and residential construction standards for low- and middle-income families and households with housing difficulties. The construction cost of affordable housing is determined according to the construction cost, which includes land acquisition and demolition fees, survey and design and preliminary engineering costs, construction and safety fees, infrastructure supporting construction fees in the community, loan interest, taxes, and property management fees.

Compared with commercial housing, affordable housing has three significant characteristics: economy, security and practicability. It is a commercial house with the nature of social security.

Legal basis: Article 2 of the Measures for the Administration of Affordable Housing The term "affordable housing" in these measures refers to the policy housing that provides preferential policies, limits the area of the set and sales, is built in accordance with reasonable standards, and is oriented to urban low-income families with housing difficulties. The term "urban low-income housing difficult families" in these measures refers to the families whose family income and housing status meet the conditions stipulated by the city and county people within the scope of the town where the city and county people are located.

Article 3 The affordable housing system is an integral part of the policy system for solving the housing difficulties of low-income families in urban areas. The targets of affordable housing** should be linked to the targets of low-rent housing. The construction, use, supervision and management of affordable housing shall comply with these measures.

Legal analysis: Affordable housing refers to the housing that has been included in the national plan, built by the city's ** real estate development enterprises or fund-raising housing units, and provided to urban low- and middle-income families at a small profit. It is a commercial housing with the nature of social security.

It has the characteristics of economy and applicability. Affordability refers to the affordability of housing that is moderate to the market in the same period and suitable for middle and low-income families. Applicability refers to the fact that the construction standards of the house cannot be reduced and reduced, and a certain use effect must be achieved.

As in many other countries, affordable housing is a policy arrangement made by the state to solve the housing problem for low-income people, and another type of rent-based housing policy is called low-rent housing.

Legal basis: Measures for the Administration of Affordable Housing

Article 29 After purchasing affordable housing, individual residents shall go through the ownership registration in accordance with the provisions. When handling the registration of ownership, the housing and land registration departments shall indicate the affordable housing and the allocated land respectively.

Article 30 Buyers of affordable housing have limited property rights. If the buyer really needs to transfer the affordable housing for special reasons, it shall be repurchased according to the original and considering factors such as depreciation and price level.

There are many types of houses on the market in China, in addition to commercial housing, public rental housing, apartments, there are also affordable housing, and different houses have different ways to buy houses. So how do you buy affordable housing? What should I look for when buying affordable housing?

1. The requisitioner shall first receive the "Affordable Housing Application Form", and then fill it in as required, and then the requisitioner's unit will conduct a preliminary examination to prove its income and housing status. If the purchaser does not have a unit, the neighborhood office shall conduct a preliminary examination.

2. The requisitioner shall submit the "Requisition Form", the requisitioner's ID card, household registration book and other relevant supporting materials to each sub-bureau within the specified time.

3. Each sub-bureau shall review the requisitioner within 40 working days, and if the reexamination meets the requirements, it will be accepted, and the requisition acceptance form shall be issued.

What to look for when buying affordable housing:

1. Although the ** of affordable housing is relatively cheap, many people cannot accept its location, because affordable housing is generally in urban and rural areas, and there are fewer bus lines and stations, which is not convenient to travel, so you must understand it clearly when buying.

2. When buying affordable housing, it is necessary to clearly distinguish the concept of apportioned area and usable area, and also consider issues such as house type and area, and do not blindly choose a large area of housing to avoid an increase in housing prices and property fees. Instead, it is necessary to pay attention to the functionality of the living room, including living, dining, kitchen and bathroom, sleeping, storage, work, study and balcony.

3. When buying a house, the contract and supplementary contract should be signed in accordance with the Contract Law, and the project construction, housing property rights, property management, delivery time, area error, and key supporting facilities should be agreed upon in the contract, and the punishment for each breach of contract should be indicated.

Article summary: Well, about how to buy affordable housing and what should be paid attention to when buying affordable housing, the relevant knowledge is introduced here, if you need more information, please continue to pay attention to Qeeka Home, and we will have better and more exciting content for you in the future.

If you don't have enough money, you have to afford housing, so the following comparisons are all made when you can afford it.

First of all, the advantage of affordable housing is that it is cheap, the disadvantage is that the application process is more annoying, and the quality of the community is not high, and it is not an independent property right, if it is the first in the future, there is no income, and there is a big problem that this community is affordable housing, and everyone knows that those who live in it are poor, which is equivalent to marking this group of people.

The advantage of commercial housing is that it is convenient to buy and sell, and the quality of the real estate is higher. The disadvantage is that it is more expensive.

The disadvantage of commercial housing is that it is expensive, but it will always be necessary to change the house in the future, and it can be sold when the time comes (not to mention the rise, at least not a loss).

Affordable housing** is lower than commercial housing, but qualifications are required for purchase. There are also many restrictions in the future**. Affordable housing in the same community is generally slightly worse than commercial housing, but the common share is relatively small.

The overall age and cultural quality of affordable housing residents are different from those of commercial housing. The neighborhood relationship is more harmonious than that of commercial housing. You will have a noticeable feeling after moving in.

If you live by yourself, you can buy affordable housing, of course, you can buy affordable housing, which is much cheaper.

If you are making an investment, then you should buy a commercial house.

Tasting room in general. Relatively affordable housing is poor, and the community facilities and property management are better. If you sell that one, it depends on your personal situation, and generally speaking, it is more comfortable to live in a commercial house.

Different from general housing transactions, there are two special situations for affordable housing: first, affordable housing that has been lived in for 5 years.

The purchase of this type of affordable housing does not require the special conditions of purchasing affordable housing and can be purchased by any purchaser. In addition to the normal payment of deed tax and stamp duty, the purchase of such second-hand affordable housing generally does not require the payment of land transfer fees. The second is affordable housing that has not been lived in for 5 years.

Households who purchase this type of affordable housing must first meet the purchase conditions of ordinary affordable housing; Secondly, buyers also need to go through the qualification review procedures for the purchase of affordable housing. If the purchased affordable housing exceeds the approved maximum purchase price standard, the comprehensive land premium must be paid, and the purchased housing is still managed according to the affordable property right.

Article 24 of the Measures for the Administration of Affordable Housing shall establish a strict mechanism for entry and exit in the management of affordable housing. Affordable housing shall be uniformly organized by the people of the city and county according to the limited amount, and shall be provided to low-income families who meet the conditions for purchasing houses. Affordable housing** has an application, review, publicity and waiting list.

The people of the city and county shall formulate specific measures for the application, review, publicity and waiting for affordable housing, and announce them to the public. Article 25 of the Measures for the Administration of Affordable Housing Urban low-income families applying for the purchase of affordable housing shall meet the following conditions at the same time: (1) have a local urban household registration; (2) The family income meets the income standards for low-income families delineated by the people of the city and county; (3) There is no house or the area of the current housing is lower than the housing difficulty standard stipulated by the people of the city and county.

The household income standards and housing hardship standards for the recipients of affordable housing shall be determined by the people of the city and county on the basis of factors such as local commercial housing, household disposable income, living level and family population structure, and shall be dynamically managed and announced to the public once a year. Article 26 of the "Measures for the Administration of Affordable Housing" The application for affordable housing qualifications shall be determined by the sub-district office (town people**), city (district), and county people** by way of review and publicity. The review unit shall verify the applicant's family income and housing status through household surveys, neighborhood visits, and letter requests.

Applicants and relevant units, organizations, or individuals shall cooperate and truthfully provide relevant information.

It should be noted: 1. Although the price of affordable housing is acceptable to people, what people cannot accept is its location. Because location is a sign of long-term traffic. Most of the affordable housing projects are located in urban-rural areas.

2. There are relatively few bus routes and alternative stations from some affordable housing communities to the city, and at least in a few years, buyers will not be able to sacrifice their current jobs or careers.

3. When purchasing affordable housing for a house type, it is also necessary to clarify the concepts of apportioned area and usable area, and fully investigate the house type. When purchasing, we should not pursue a large area and increase the cost of housing prices and property management, and should pay more attention to the function of the room. When there are conditions to make a selection of household limb rot type, you should try to make a choice based on professional standards.

4. The eight functions of the popular living room include living, dining, kitchen and bathroom, sleeping, storage, work, study and balcony. In accordance with the provisions of the new Contract Law, the contract and supplementary contract implement the principle of priority of agreement, so the terms and conditions in the contract or supplementary contract must be fully signed.

5. Before purchasing, we must ask about the sales license and property rights and other important information, property management, etc., on the basis of careful study of each item of the contract, and in the supplementary terms of the delivery time, area error, key supporting facilities to agree, and indicate the developer's punishment for each breach of contract, if necessary, please ask a professional lawyer, consider clearly before signing is more appropriate.

It is necessary to pay attention to the conditions for the sale and purchase of affordable housing, the resale of the purchased affordable search and search housing, and the sale of affordable housing.

There are two types of affordable housing sales: those who have lived in it for five years and those who have not lived in it for five years. The specific time shall be subject to the time when the home-buying family obtains the deed tax payment certificate or the time when the affordable housing ownership certificate is issued.

For affordable housing that has been in rolling mode for 5 years, the owner can now proceed according to the current market, but the owner needs to pay 10% of the transaction value of the house.

For affordable housing that has not been lived in for 5 years, due to policy regulations, it is not allowed to prepare for the market according to the world. Therefore, owners who really need such affordable housing can only pay no more than the unit price at the time of purchase, and can only give it to families who meet the conditions for the purchase of affordable housing or be purchased by relevant departments. The above is the sell-off policy for affordable housing.