宁波北仑区中低收入家庭住房现状研究

住房问题是尤其是中低收入家庭的住房问题是一个事关社会安全与稳定的问题,为城镇中低收入家庭提供住房保障是解决该阶层住房问题的基本途径。本文立足北仑地区的实际情况,通过对区内中低收入家庭住房现状进行阐述与分析,期望为我区住房保障建设提出建议与措施。     

对杭州市经济适用住房建设的思考

发展经济适用住房是我国为保障中低收入家庭住房而制定的主要住房政策.国务院在<关于进一步深化城镇住房制度改革加快住房建设的通知>中,明确了经济适用住房的重要地位和任务,即"国家在推迟、停止住房实物分配,逐步实行住房分配货币化、改革的同时,为增加住房有效供应,解决城镇居民的住房需求而采取的一项重要政策措施."国家和地方政府通过土地划拨、税费减免等政策扶持,使经济适用住房以其较低的价位,适应中低收入家庭购买力,受到广大中低收入家庭的欢迎.     

保障性住房群体判别及其住房购买力测算

住房问题关系国计民生,解决居民住房问题是建设和谐社会的重要内容之一.在我国的住房改革政策中,曾提出这样的构想:高收入、较高收入及中等收入家庭住房问题由商品房解决;中低收入家庭住房由经济适用房解决;少数低收入家庭由政府提供廉租房解决.     

专家点评保障房设计竞赛获奖作品

住房和城乡建设部住房保障司副司长张学勤:本次竞赛活动体现了国家解决中低收入家庭住房的政策要求,体现了住宅产业化发展的要求,体现了以人为     

坚定不移地发展经济适用住房

在当前 ,发展经济适用住房是加快建立住房供应新体系、满足住房实物分配停止后的个人购房需求、平抑商品房价格以及扩大住房的有效需求的重要途径。最近 ,有的城市在执行经济适用住房政策中出现了偏差 ,影响了经济适用住房政策的贯彻落实。这些问题应引起我们高度重视。经济适用住房是新的住房供应体系的重要组成部分 ,是政府为了解决中低收入家庭住房问题而推行的含有保障性的住房。中低收入家庭是目前城镇家庭的主体 ,因此 ,经济适用住房政策的实施直接关系到新的住房供应体系的建立和住房制度改革的顺利进行。从近两年的实施情况来看 ,经…     

整合住房保障机构 完善住房保障体系

住房问题关系到千家万户,是人民群众切身利益之所在。胡锦涛总书记住党的十七大报告中指出,要努力使全体人民学有所教、劳有所得、病有所医、老有所养、住有所展,推动建设和谐社会。由于住房所具有的特性及住房市场存在的缺陷,以低收入者为主体的特殊阶层难以依赖市场机制解决往房问题。住房保障是政府解决中低收入阶层住房问题的基本途径。因此,政府必须建立住房保障体系,弥补住房市场的不足,为中低收入家庭提供基本的住房保障,     

青岛:宏观调控不放松住房保障解民忧

青岛市对中低收入居民家庭住房问题一直给予了高度的重视和关切,始终坚持以解决中低收入家庭住房困难为中心的住房建设方针。2001年以来,深入贯彻国家深化房改及各项产业政策,初步建立了多渠道、多类型的住房供应体     

威海市公租房建设和管理的探索

在当下房价飙升之时,改变住房的不均衡状态已然成为温暖民心、促进社会和谐稳定的基本任务之一,解决好中低收入家庭的住房问题已成为各级政府工作的重点和难点。尤其是2008年以来,国家投入了大量资金建设保障性住房,各级政府积极探索适合本地实际情况的住房保障模式,加大力度改善中低收入家庭的住房困难状况,促进房地产业健康发展。公共租赁住房正是伴随着住房保障制度的不断完善而兴起的一种有效解决中低收入家庭住房问题的保障性住房。     

我国住房保障制度存在的问题

住房是居民的基本生活需求.住房问题不仅是一个经济问题,还是一个社会问题.解决中低收入家庭住房问题是建立和谐社会的重要保证.近年来,通过市场机制调节,绝大部分中等收入以上家庭实现了"居者有其屋".但许多中低收入家庭,不能通过市场来解决自身的住房问题,政府应对中低收入阶层居民的住房供应提供多种方式的支持,即通过建立和完善住房保障制度,解决这部分居民的住房问题.     

建设简讯

《意见》明确,经济适用住房是市政府为解决中低收入家庭住房问题而推行的具有社会保障性质的住房。对经济适用住房建设,政府给予优惠政策加以扶持,以微利价格直接向中低收入家庭的住房困难户出售。现阶段经济适用住房一般控制在每套60—110平方米。销售价格实行审核批准制度。 经济适用住房的基准价为每平方米1500元。     

基于旧城改造背景下的经济适用房模式选择——以北京市为例

以北京市为例,通过分析经济适用房选址欠缺合理而给广大中低收入人群的工作、生活带来极大不便。因此,基于旧城改造所面对的中低收入人群的就近安置问题,在协调旧城保护的前提下展开对旧城经济适用房模式的选择探讨,力图解决因旧城改造而产生的一系列社会问题,从而促进城市的和谐发展。     

重庆市保障性住房的规划布局原则初探

当前,重庆的城市化进程正处于加速期,低收入家庭住房难的问题成为政府重点关注的民生问题。保障性住房是面向城市中低收入阶层、旨在解决其居住问题的特殊住房。本文从规划布局的角度出发,通过对重庆市城市低收入群体分布现状的调查,在分析重庆地域文化特色与空间结构的基础上,提出了重庆市保障性住房的规划布局原则。     

住房保障对象界定方法的比较研究

由于住房保障对象界定的复杂性,目前实际各地保障对象认定大多依赖经验数据,缺乏理论支撑。科学的住房保障对象收入线界定方法是确保住房保障水平适度性与社会福利公平性的关键所在。总结了几种常用住房保障对象收入线的界定方法,指出常用界定方法的主要问题是与现有多层次保障体系不相匹配。对此提出了基于收入分布函数与分位数理论相结合的保障对象收入线界定方法,并利用EViews 软件对陕西省居民收入进行实证分析,为保障对象管理提出相关改进建议。     

房价收入比的计算及应用研究——基于江苏省的实证分析

简要回顾了近年国内学者对房价收入比所做的研究,剖析了房价收入比的宏观与微观意义,分析了国际、国内房价收入比的计算方法,研究了国内房价收入比计算存在的问题,并重新设计了房价收入比的计算方法及其合理区间的计算公式.并以江苏省为例,分析了近年来江苏省整体的房价收入比以及不同收入群体的房价收入比.     

我国居民住房支付能力与住房问题研究

基于全国、各省(市)以及各收入群体的基本数据,运用住房单价月收入比进行计算与分析,初步揭示了我国不同时期、地区和不同收入群体住房单价月收入比的特点以及相互差异的程度,指出我国居民住房问题的中心是住房支付能力社会差距过大。     

The changing nature of financing low‐income urban housing development in Kenya

The poor state of housing in the cities of developing countries has been the subject of numerous studies. Only a few published articles on the topic, however, emphasise the complexity and interrelatedness of the key components of housing such as land, finance, building materials, and construction technologies. This article examines one of these components, namely finance, and assesses its importance to the development of appropriate low‐income housing in Kenya's second city, Mombasa. Kenya's urban housing policy emphasises home ownership rather than rentals. For the low‐income groups, the twin package of site and service and settlement upgrading has been the main programme of action. One of the most recent projects of this nature, the Second Urban Project (SUP) is evaluated here in so far as the nature of its financing has had important repercussions on the low‐income urban housing sub‐sector in Mombasa. It is the contention of this paper that the introduction into Mombasa's low‐income settlements of the conventional or formal systems of financing residential development has resulted in socio‐economic turbulence of gigantic proportions. It has led to clandestine plot sales, absentee landlordism, escalating rents, and the ‘invasion’ of low‐income settlements by higher income groups. Prior to the implementation of this World Bank funded project, the financing of low‐income housing had been primarily done on an informal basis under a traditional method known as the ‘tenancy‐at‐will’ system which encouraged progressive housing development, and discouraged absentee landlordism. This article concludes that it is not cost‐effective to rapidly replace non‐conventional methods. It would be more appropriate to integrate the two in a pragmatic way by adopting more novel ways of financing low‐income residential development in a way that would minimise the current rampant failures of these projects in meeting their stated objectives.     

对房价与收入衡量指标的探析

针对房价收入比指标衡量商品住宅价格与居民收入水平关系的不足,提出了住房单价月收入比的概念,阐述了该指标的优点与应用,并以南京为例进行了实证分析,指出该指标最适用于对不同收入群体的住房支付能力进行分类研究,以优化配置住房政策及住房金融资源。并建议将房价月收入比纳入各个城市房地产指标体系,从而探讨了我国房地产指标体系的新思路。     

Evaluating housing policies from an income‐distribution perspective—The case of Sweden

One purpose of this article is to examine under what conditions the impact of housing policies on the distribution of income becomes a major focus of interest. First we review various arguments in favour of tying transfers to specific types of consumption, and outline the historical development of Swedish housing policies in this light. We find that the interest in the impact of housing subsidies on the distribution of income stems from the 1970s when the housing supply became more adequate. We argue that the Swedish housing allowance system is of special interest in connection with income distribution considerations. The system's impact on the income distribution is evaluated here with the help of a microsimulation model. It is shown to be quite efficient in the sense that it consistently benefits households with a low “equivalent” income, i.e. a low income in relation to needs. We also find that the new housing allowance system has a crucial impact on the distributional outcome of the 1991 tax‐benefit reform, a major reform package in Sweden which includes large cuts in housing subsidies.     

‘Housing Poverty’ and Income Poverty in England and The Netherlands

This paper examines whether the distributional consequences of contrasting welfare systems are enhanced, replicated or countered by housing systems in England and the Netherlands. It adopts the monetised concepts of ‘net housing income’ and ‘net housing resources’, which are commensurable with disposable income and income-based measures of poverty. It was found that both housing systems exert a poverty-reducing impact compared to disposable income alone. The absolute reduction is greatest in England, suggesting that its housing system counters the high levels of income poverty produced by the welfare system, although the comparative levels of poverty between the two countries remain unchanged, which may signify that the distribution of disposable income is replicated in housing. However, the synthetic concept of ‘housing poverty’ reveals that the poverty-reducing impact of housing income/ resources arises because by themselves they are distributed far less equally than is disposable income, so creating a much higher rate of ‘housing poverty’. Crucially, ‘housing poverty’ occurs predominantly among those who are not income poor. This allows welfare and housing systems to combine to reduce poverty in an act of progressive dissonance, suggesting a hitherto unexpectedly high degree of independence between the two.     

城市不同收入家庭住房支付能力研究

住房支付能力度量方法分为比率法和剩余收入法.基于我国住房供应体系,构建了剩余收入法方法论框架,定义了住房支付能力、首付款支付能力、还款(或租金)支付能力等概念.并以2005年我国城市不同收入家庭为实例进行了分析,得出如下结论:低收入到中等收入家庭住房供应不足;低收入家庭对经济波动极为敏感,购房风险大于高收入家庭;低收入以下家庭住房保障有收入扶持和住房补贴两种方式;贷款期限延长,可支付购房家庭比例增加;降低住房面积可缓解我国城市土地开发压力,增加住房覆盖面,提高家庭住房支付能力.本文构建的剩余收入法方法论框架可用于研究不同城市不同收入家庭住房支付能力.