A Research Of The Determination For The Middle-income Families' Housing Guaranteed Income Line

At present, with the continuous increase of housing price, the housing expenses in the families have a rapid growth, and some residents have the housing difficulties. The government have promulgated a series of security policies so that the housing difficulties of the low-income families can been resolved. However, the middle-income families' housing difficulties have not been given due concern and attention, they have not been resolved. So there is a need for the government to play a role in the middle-income families'housing security.The study starts with the status and the effect of the middle-income families, internal differentiation, the housing affordability, the missing of policies, and clears the necessity of housing security for the middle-income families. On this bases, the article discusses the main theoretical basis of the middle-income families'housing security.This study firstly stands on the side of the middle-income families to determines the income security standars which were defined by the government in the past. Starting with the the housing affordability, the study discusses the determination method of the middle-income families'housing guaranteed income line.The percentage of housing consumption is selected as the main measure of housing affordaility, and is transformed by considering other factors. The minimum income which is the middle-income families must pay for a certain standard house, is striked and required as a guaranteed income line. This is a case study of Hebei Province, and exercises the above determination method of the middle-income families' housing guaranteed income line to analyse the trend of the guaranteed income line for the middle-income families'housing in Hebei Province 2010-2020. And then, the article uses the method interval percentage to clear the relative and absolute number of households.The result shows that with the increasing of the incomes and housing prices, the level of housing guaranteed income line for the middle-income families will increase. The housing guaranteed income line will be 19426.51 yuan in 2010, and 42375.86 yaun in 2020 the growth will be 118%; according to the current level of household income and housing price trends, the middle-income families which don't have the full housing ability will be more and more. By 2015 there will be 33% of the middle-income families, about 1141700 facing the housing affordability problems, the rate is 45.10% in 2020, the number of the families is about 1810800. This results has a certain reference value to perfect the multi-level housing security sestem, and increase the support and protection for the middle-income families.On the basis of the above study, this study proposes four suggestions for the middle-income families' housing problems, such as making the middle-income families'housing security institutionalized, raising the income of the families, restraining housing price rising excessively, adding the financial input and so on.