Is there any difference between affordable housing and regular housing?

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Affordable housing refers to policy-based commercial housing with the nature of guarantee, which is targeted at low- and middle-income families with housing difficulties, provides preferential policies, limits construction standards, objects and sales.

Difference Between Affordable Housing and General Commercial Housing:

1. The first target of affordable housing is eligible low- and middle-income families. The target of ordinary commercial housing is mainly non-low- and middle-income families and other households with purchasing power.

2. Affordable housing is generally directly organized and constructed by the first organization, or in accordance with the way of the first organization and enterprise market operation, the project legal person bidding is implemented, and qualified developers are selected for construction. Ordinary commercial housing must be built by market operation.

3. The land for affordable housing shall be allocated administratively in accordance with the law, and the land for ordinary commercial housing shall be strictly in accordance with the relevant provisions of "bidding, auction and listing" and through market competition.

4. Fees for the construction and sale of affordable housing may be reduced or exempted in accordance with the law. Fees for the construction and sale of ordinary commercial housing cannot be reduced or reduced.

5. The sale of affordable housing is priced by **. The ** of ordinary commercial housing is priced by the developer according to the law of market value.

6. The first object of affordable housing shall be determined in accordance with the prescribed procedures and the principle of combining mass evaluation, social supervision and approval. The first object of ordinary commercial housing is all households and people with purchasing power.

7. Affordable housing is for low- and middle-income families, has the nature of social security, and is a policy-oriented housing. Ordinary commercial housing is non-policy housing.

Title deeds can be obtained for the purchase of affordable housing, but listing is restricted. It generally takes 5 years to go on the market. Beijing will be able to go public in less than 5 years. Jiangxi Province cannot be listed, and can only be repurchased.

Affordable housing is also a kind of commercial housing, but the difference between the two is obvious, and insiders have summarized these four differences.

Legal analysis: 1. The nature of the land is different. Affordable housing is the first allocated land, and commercial housing is the transfer land.

2. Different restrictions on property rights. The land for affordable housing is allocated by **, so the purchaser has incomplete property rights.

3. The purchase object is different. If you want affordable housing, then the purchaser must be a low- to middle-income family who lives in a town and does not own any property in their name.

4. The size of the house is different. Since affordable housing is mainly guaranteed, the area of the house must meet the construction standards and meet the basic requirements of the buyer. Commercial housing, on the other hand, is based on the pursuit of profits, which is decided by the enterprises themselves.

5. The purpose of construction is different. Commercial housing is built to earn profits, while affordable housing is built to provide housing security for some families with financial difficulties.

Legal basis: "Measures for the Administration of Affordable Housing" Article 2 The term "affordable housing" in these measures refers to the policy-based 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.

Measures for the Administration of the Sales of Commodity Housing》 Article 7 The sale of commercial housing shall meet the following conditions:

1) The real estate development enterprise of the commercial housing for sale shall have the business license of the enterprise legal person and the qualification certificate of the real estate development enterprise;

B) to obtain a certificate of land use rights or approval documents for the use of land;

3) Holding construction project planning permits and construction permits;

4) has passed the completion acceptance;

5) Demolition and resettlement have been implemented;

6) Water supply, power supply, heating, gas, communications and other supporting infrastructure have the conditions for delivery and use, and other supporting infrastructure and public facilities have the conditions for delivery and use or have determined the construction schedule and delivery date;

7) The property management plan has been implemented.

One is a rented house and the other is a property right house. The conditions are as follows: Low-rent housing:

1) To apply for low-rent housing security, the following conditions must be met at the same time: 1. The per capita monthly disposable income of the applicant family is less than 1,100 yuan (including 1,100 yuan) and the family property is less than 120,000 yuan (including 120,000 yuan) for 6 consecutive months before the month of application. Family property refers to all savings, non-residential houses, vehicles, valuables, and other property owned by family members.

2 The per capita living space of the applicant family is less than 7 square meters (excluding 7 square meters). 3. The applicant family members have a non-agricultural permanent residence in the place of household registration of the head of the household and actually reside in the city, and at least one of them has obtained the non-agricultural permanent residence in the city for more than 3 years, and the other members must move into this residence for more than 1 year. However, those who support the construction of other places and retire (work) and return to Shanghai to settle down and move into the household registration are exempt from this restriction.

4 The members of the family applying for common living must have a legal relationship of support, maintenance or upbringing.

2) The following special families, whose per capita monthly disposable income is lower than the minimum wage standard for employees in the city (currently 1,120 yuan per month) and meet other application conditions for low-rent housing, can apply for low-rent housing: 1. Retired employees who have won the title of model worker at or above the provincial and ministerial level. 2. Families of martyrs, families of servicemen who died in the line of duty, and disabled servicemen of the first to fourth grades.

3. Retired employees who have won the title of National 38 Red Flag Bearer or 2 or more provincial and ministerial 38 Red Flag Bearers. 4 Returned overseas Chinese before the end of 1966. Affordable Housing:

To apply for affordable housing, all members of the family need to meet the following four criteria. The first aspect: the length of residence and hukou.

1) Must actually reside in Shanghai;

2) Have a permanent urban residence in Shanghai for 7 consecutive years;

3) The current household registration has been in the district where the application is made for at least 5 consecutive years. In the following circumstances, the above conditions may not be restricted: First, children under the age of 7, unmarried active duty soldiers, seafarers, field road construction, exploration and other personnel whose original household registration is within the household registration of the applicant family are not subject to the restriction on the number of years of household registration.

Second, minors between the ages of 7 and 18 are not subject to the above.

3) Restrictions on the conditions. Third, both husband and wife meet the requirements for the number of years of household registration before marriage, and if one party moves the household registration to the other party after marriage, the party who migrates is not subject to the above-mentioned paragraph.

3) Restrictions on the conditions. The second aspect: the per capita housing floor area is less than or equal to 15 square meters. The third aspect: income and property.

1) The per capita annual disposable income of the applicant family does not exceed 39,600 yuan;

2) The per capita property of the applicant family does not exceed 120,000 yuan. The per capita annual disposable income of the family refers to the annual disposable income (including salary income, net operating income, property income and transfer income after deducting taxes and social insurance premiums) divided by the applicant family members during the prescribed reporting period.

Features are different:The land occupied by affordable housing shall be allocated free of charge in accordance with the preferential policies of the state, and the land for the construction of commercial housing shall be subject to public bidding and the right to use the land shall be obtained within a certain period of time.

For affordable housing that has been lived in 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. If you have purchased affordable housing according to the market, you need to go to the Land Resources and Housing Administration Bureau where the house is located to go through the transaction and property right transfer procedures with the deed tax payment certificate, house ownership certificate, housing transfer contract and other documents.

Precautions for commercial housing.

Gifting an area is theoretically an added value, it's not an area you have to want. The donated area will increase the density of the building and affect the normal use and lighting of some spaces (living room, dining room, kitchen), etc., so in the face of the donated area, we must carefully investigate it.

A field trip to the donated area is an important link. The best is of course to look at the site, to see the real appearance of the house to be bought on the construction site is the most intuitive, and will also have the most direct feeling of the practicality of the donated area, and judge the cost of use after delivery.

The so-called affordable housing refers to the preferential policies provided by the government, and the construction standards are limited, as well as the policy housing for the royal elephant and the sale, which is provided by the government for families with housing difficulties, and the land nature of affordable housing is allocated by the local government, so the land transfer fee is exempt from the levy and the demolition is collected, and you can also enjoy the approval fee halved according to the principle of guaranteeing small profits.

Main Procedures for Applying to Purchase Affordable Housing:

1. Fill in the application form for affordable housing according to the real situation, and also provide household registration book, ID card, marriage certificate, and other corresponding supporting materials.

2. You need to apply to the local district housing management bureau.

3. After reporting to the District Housing Management Bureau for review, the District Housing Management Bureau shall report to the Municipal Housing Management Bureau for review.