The Affordable Housing Policy

The affordable housing policy is an important part in our country housing social security, from the time of starting, it has played a important role regardless of to solve mid and low earning social stratum accommodation in the cities, to hold down the home price excessively quickly rising, as well as deepen the housing system reformation and so on. But undeniably, this policy also has many problems in the implementation, such as purchase object out of control, price out of control, area out of control, and so on, and it has caused many losses for the governments and the general mid and low earning social stratum. Therefore, it is time to ponder thoroughly the policy.In the last few years, why does the affordable housing policy have so many problems, its root lies in the government function flaw, the housing public excessive marketability, The affordable housing policy itself locates fuzzy as well as the pattern of the housing producer subsidizes has many flaws, and so on.According to overseas experience and lesson, the housing public policy must adapt with the housing market conditions, when the housing market supplies are extremely short, we must use the public housing policy, directly or indirectly raise the public housing by the government, it can effectively increase the housing supply; After the question that "the room is hurried" has been to obtain the alleviation, the housing market main characteristic is that the housing supplies is relatively short, using the pattern of housing producer subsidizes not only can increase the housing supply but also can lighten the government financial burden; When the housing market principal contradiction is the poverty housing disbursement is too heavy, using the policy of housing consumer subsidizes is better than others.How to reform our country affordable housing policy? The first, the author thought we should persist some principles, like adapts with the national carrying capacity and the public burden, the government is the main body in the implementation of the affordable housing policy, Under the national macroeconomic regulation and control, each place acts as circumstances permit, reasonable choices and utilization subsidy pattern and so on. Second, according to these principles, the author proposed that using the different ways to solve the housing problems of the different income social stratum, which is to sell affordable house to the low income social stratum, to provide the cash subsidy or reduce the tax relief for the medium income social stratum. Finally, the author proposed many measures to achieve the goal, which are who has the qualifications to enjoy the benefit comes form the affordable policy, locating the affordable house once more, utilizing effectively the policy of housing consumer subsidy , developing and perfecting housing finance and so on.