廉租住房保障办法

第一章总则第一条为促进廉租住房制度建设,逐步解决城市低收入家庭的住房困难,制定本办法。第二条城市低收入住房困难家庭的廉租住房保障及其监督管理,适用本办法。本办法所称城市低收入住房困难家庭,是指城市和县人民政府所在地的镇范围内,家庭收入、住房状况等符合市、县人民政府规定条件的家庭。     

实施廉租住房制度的反思

基于相关文献的分析,结合实施廉租住房的滞后现状,研究发现,若要进一步推进廉租住房则需提供相关制度支持,并通过激发廉租住房体系的诱致性增长点来建立一个新的、社会化的融资体系,才能解决廉租住房的资金源等相关问题。提出了租金计算的新设想,即确定可承受最大租金、可承受最小租金的方法。     

廉租住房的运作方式和管理机制

一、廉租住房的三种运作方式 城镇廉租房是指政府和单位在住房领域实施社会保障职能,向具有城镇常住居民户口的最低收入家庭提供的租金相对低廉的普通住房。廉租住房主体即廉租房申请者定位为城镇最低收入家庭和住房特困户,即“双困户”。现阶段我国廉租房的运作方式主要有三种,即租金补贴方式、实物补贴方式、租金减免方式。     

从“民生”的角度完善保障性住房制度

保障性住房是指政府为中低收入住房困难家庭所提供的限定标准、限定价格或租金的住房,由廉租住房、经济适用住房和政策性租赁住房构成。自从保障性住房推出之后,一直是非不断,以丑闻居多。     

保障性住房该怎样解困

24号文件的出台,实际上开辟了中国住房市场的商品房和保障性住房两条建设体系,使住房保障机制进入到一个"廉租房"的新时代,城市廉租住房制度成为解决低收入家庭住房困难的主要途径。     

中国住房保障:一项艰巨的工作——访国家住房和城乡建设部副部长 齐骥

按照国务院的要求,住房城乡建设部会同国家发展改革委、财政部制定下发了2009-2011年廉租住房保障规划,明确了从今年起,争取用3年时间基本解决全国750万户现有城市低收入住房困难家庭的住房问题。     

基于多中心城市结构的保障性住房价格测算

由廉租住房和成本销售型住房构成的政府供给型保障性住房,其价格在维持较低水平的同时,还应体现出住房品质的差异,从而实现合理的定价。论文针对政府供给型保障性住房,以区位因素为定价依据,将同心圆城市结构住宅租金测算模型进行拓展,建立扩展性多中心城市结构的住宅租金测度模型。同时基于多层次灰色系统建立区位差异指数测算模型,从而实现对不同区位的保障性住房的差别定价,为政府供给型保障性住房价格水平确定提供可操作性的方案。     

住房和城乡建设部:3年内拟提供747万套廉租房

近日,从住房和城乡建设部获悉,《2009-2011年廉租住房保障规划》已经出台,总体目标是从2009年起到2011年,争取用三年时间,基本解决747万户现有城市低收入住房困难家庭的住房问题。其中,2008年第四季度已开工建设廉租住房38万套,三年内再新增廉租住房518万套、新增发放租赁补贴191万户。     

温家宝:重点发展面向中低收入家庭的住房

两会期间,国务院总理温家宝在政府工作报告中强调建立住房保障体系并提出了四项措施,对包括城市低收入群众和中等收入家庭的住房问题作出明确要求。2008年,中央用于廉租住房制度建设的资金68亿元,比去年增加17亿元。     

人物

姜伟新:当前重点是要抑制房价过快上涨近日,建设部副部长姜伟新指出,今年建设部要抓紧做好三项工作。一是要抓紧完善住房保障体系,全面落实国务院关于解决城镇低收入家庭住房困难的各项工作部署,建立健全廉租住房制度,     

提高住房公积金使用效率的对策研究

住房公积金制度是我国城镇住房制度改革的重要举措,对保证职工住房消费的资金积累,提高职工购房支付能力都起到了重要作用。公积金发展中暴露出了沉淀资金多、保值增值难、不能向中低收入者倾斜等使用效率低的问题,文章分析了问题产生的原因,提出了提高住房公积金使用效率的途径,以及建立解决普通职工尤其是中低收入者住房问题的长效机制与对策。     

山西省“十二五”公共租赁住房建设研究

针对山西省公共租赁房还只停留在政策制定层面上,没有规划也没有具体实施等问题,界定了公共租赁房的内涵,采用定性分析与定量分析相结合的方法,预测分析得到城镇居民人均可支配家庭收入、商品住房市场均价,确定了"十二五"期间城镇保障公共租赁住房居民家庭所对应的年收入保障线标准和需要保障的比例,从而预测出"十二五"期间城镇公共租赁住房的年均建设数量,并提出了公共租赁住房建设的政策建议.     

成都市金沙遗址博物馆对周边住宅价格影响分析

通过分析成都市金沙遗址博物馆周边一定区域内住宅到博物馆距离与住宅价格之间的关系,建立Hedonic模型,进一步研究影响城市住宅价格因素中旅游景区这一特征对住宅价格的影响。研究结果分为1)在影响住宅价格的因素中,显著性较强的是周边市政设施、物业费、建筑装修程度和到金沙遗址博物馆距离;2)成都市金沙遗址博物馆对城市住宅价格的影响可以用半对数模型表达式表示。进而得出结论:1)影响城市住宅价格因素中旅游景区特征对周边住宅价格的提升具有正作用;2)运用Hedonic模型可以有效地将旅游景区特征对住宅价格的影响作用进行量化;3)基于旅游景区的正向作用,国家应充分重视旅游房地产业。     

Another Look at the Economics of Demand-Side Versus Supply-Side Strategies in Low-Income Housing

This paper presents evidence of the relative efficiency of a particular variant of demand-side housing strategy vis-a-vis the supply-side Section 8 New Construction program. The model is cast explicitly in terms of theory of consumer behavior, allowing the estimation of price subsidy rates under the demand-side strategy, that would yield the same welfare improvement as the Section 8 program. The results indicate that neither the latter strategy nor the former clearly dominates in terms of traditional goals of low-income housing policy. The increases in housing consumption induced by the demand-side strategy, while less than those from the supply-side strategy, are significant, and are accompanied by substantial reductions in housing affordability problems (rent burdens). It is shown that anywhere from .63 to 2.16 additional households could have been served for each household served under the Section 8 program, with the demand-side strategy, at no additional cost to the taxpayer.     

住房保障改革目标：居者所有其屋

由于住房是居民的最主要财产，住房性收入是居民的最主要财产性收入，所以住房调节应是财产调节的重要途径，住房收入调节应是收入调节的重要措袍；让更多居民拥有自己的房产，是实现共同富裕的重要保障，是社会主义所有制的话要内容。使居民尽量拥有自有住房，需要抑制对住房的投资需求从而控制房价水平，把廉租房、公共租赁房和经济适用房制度改为政府为低收入家庭建房制度,发展住房合作组织和集资合作建房，解决好非户籍常住人口的住房问题。     

Measuring House Price Bubbles

Using data for six metropolitan housing markets in three countries, this article provides a comparison of methods used to measure house price bubbles. We use an asset pricing approach to identify bubble periods retrospectively and then compare those results with results produced by six other methods. We also apply the various methods recursively to assess their ability to identify bubbles as they form. In view of the complexity of the asset pricing approach, we conclude that a simple price–rent ratio measure is a reliable method both ex post and in real time. Our results have important policy implications because a reliable signal that a bubble is forming could be used to avoid further house price increases.     

保障性住房融资中运用REITs的探讨

目前我国保障性住房面临着资金瓶颈问题,这是制约保障性住房供给的重要因素之一,借鉴房地产投资信托基金(REITs)有助于解决这一问题.文章借鉴中国香港、美国和新加坡等国家的REITs运作经验,探讨了在我国保障性住房建设中运用REITs的可能性和条件,以及运作模式.在此基础上分析了在我国金融和房地产市场现状下发展保障性住房REITs存在的问题,提出了相应的对策.     

Exploring the role of relationship pricing in industrial export settings: Empirical evidence from the UK

This paper sets out to shed initial empirical light on the role of relationship pricing in an industrial export context, by a) investigating the extent to which selected contextual variables shape the adoption of relationship pricing, and b) examining manifestations of relationship pricing in the process that industrial exporters use for levying their prices. Analyzing data from a stratified random sample of 243 UK exporters of industrial products, the results demonstrate that the adoption of relationship pricing is a) facilitated by the degree of an exporter's market orientation, export experience, and the level of formality in export price setting and b) hindered by firm age and export intensity. It is also shown that industrial exporting firms adopting relationship pricing tend to follow a more market-based export price decision-making process, as this is manifested in market-based export pricing information, objectives and policies. The practical implications of the findings are discussed and useful future research directions are highlighted.     

Lenders’ pricing strategy: Do neighborhood risks matter?

This article explores the different pricing strategies of lenders who originate both government-sponsored enterprise (GSE) and non-GSE loans. We find that conditional on loan and borrower characteristics and some observable local economic factors, mortgage rates on GSE loans vary significantly across regions. However, we observe no sizable regional variation in loan amounts or default risk. By contrast, the mortgage rates on non-GSE loans depend almost entirely on borrowers and loan characteristics. In addition, we find that spatial variations in GSE mortgage rates are highly responsive to regional prepayment risk. Our results are robust to various controls for neighborhood characteristics, including regional-level bank competition, borrower accessibility to mortgages, and household income levels. Overall, the findings offer a novel insight into how lenders adjust pricing strategies in response to a changing lending environment. The results provide implications relating to the present and imminent dangers of housing bubbles and the intensified refinancing wave following the COVID-19 pandemic.     

Heavily skewed pricing in two-sided markets

A common feature in two-sided markets is the prevalence of heavily skewed pricing strategies in which price markups are much higher on one side of the market than the other. We show that maximal skewed pricing is profit maximizing under constant elasticity of demand. The most elastic side of the market is used to generate maximum demand by providing it with platform services at the lowest possible price. Full participation of the high-elasticity, low-price side of the market attracts the other side. As this side is less price elastic, the platform is able to extract high prices.