01
How was a pro-people policy misconstrued to the detriment of the people
How can the good news of an industry be distorted into a major one
How can a big surprise be so widely disseminated
02
Over the past few days, numerous housing families in china are estimated to have been shaken by news from the ministry of housing about medical examinations, housing pensions and housing insurance systems in 22 cities。
Because this news, read in various forms, ultimately gives the public the feeling that your house will have to pay an annual home pension to the state afterward, just like your personal pension every year。
Besides, it's expensive。
For example, like this widely disseminated message, a house costs more than 10,000 a year:
What is more, it's distorted into a tax on a mutant house:
Does it look scary
If that's the case, how dare you buy a house
If that's the case, do you want to throw away your house
03
Don't say that similar information, true or false, seems to be false, and many people are really hard to tell。
For example, the above information, which is paid 15,000 per year, is difficult to discern from time to time, even for senior professionals of the hangzhou class who have been working in the real estate media for 20 years。
Let alone countless laymen。
It is impossible to tell the hangzhouns intuitively and logically, but the publishers of the relevant information are not anonymous, and the powerful departments will find out, are they really not afraid of legal liability? You don't seem to believe it at all。
04
Fortunately, the hangzhou people saw the official media's authoritative interpretation in time。
Just yesterday, chinese construction newspaper policy experts read the title " housing pensions - public account building does not burden the masses " :
The full article will be appended to the article, and some of the most critical messages will be quoted here:
A key initiative in the reform of the housing pension system is the establishment of public accounts, the primary purpose of which is to finance public examinations of houses. The pilot cities are committed to the safety of the people and have used financial means to finance public accounts。
The key message came:
Housing pension ... The people are not required to contribute to the maintenance fund outside the current system。
A simple understanding is that the ministry of housing and construction's pilot housing pension means that the government, in addition to the system of special housing maintenance funds that has been in operation for 20 years, guarantees the functionality and security of use of urban housing through financial contributions。
This process does not require you to make a separate payment for maintenance。
05
This explanation is a complete relief and a direct proof that the so-called 1. 5-w annual tax on variable stock c is a mere rumour。
Some may also wonder whether the article in the chinese construction newspaper, which is read by an expert called the construction army, has sufficient authority
If the hangzhouers read two things, you'll see:
1 the china construction newspaper is the only authoritative media in the housing sector under the direct authority of the ministry of housing and urban-rural construction, which provides information and decision-making support to the ministry
2. Zheng jian jun is the deputy director of the centre for insurance and economic development studies of the chinese institute of social sciences。
One is the ministry of housing and one is the chinese institute of social sciences, which is a well-established official background and an industry-based official whose authority cannot be questioned。
06
It should now be understood that the policy was put in place for the very first time, contrary to the widespread rumours。
You are afraid to buy a house or sell it for fear of paying an annual housing pension. The fact is, the government is paying for your old-age escort so you can buy it and live in peace..
You think the shock is a surprise
Experts read that building up the army: housing pensions - public account construction does not burden the population
China construction army
On the morning of 23 august, the ministry of housing and urban development, in a series of press conferences on the theme “towards high-quality development”, stated that it was studying the establishment of a system of house checks, housing pensions, housing insurance and long-term mechanisms for safe house management throughout the life cycle。
The 20-year report of the party clearly states that “the purpose of security for the people” and the 20th general assembly resolution calls for “improvement of public security governance mechanisms”, that there are weaknesses in our housing security governance system and that the establishment of a housing pension system is a major reform measure to improve the institutional mechanisms for housing security governance。
I. The original purpose of the reform: to fill the gaps in housing security governance board
Under the existing system, the responsibility for the security of the owners of the multiple-storey dwellings (including the main structure of the houses, elevators, exterior walls, etc.) cannot be fulfilled and the proprietors' committee “is entitled to no responsibility”. The use of funds for specialized residential maintenance requires the participation of more than two thirds of the owners, a majority of whom agree, a high threshold and lengthy procedures。
The difficulty and slowness of decision-making at proprietors ' assemblies often prevent the timely repair and maintenance of shared housing areas and facilities, and make it even less possible to provide early warning of risks and risk-free housing security. In our research, we have learned that more than 30 elevators in a small residential area of a city in the south have failed to stop the elevators in the middle of the hot summer, and that, even with the strong impetus of the authorities, the voting process for owners could not be completed within 47 days, and that owners on more than 20 floors had to climb the stairs daily, seriously affecting normal life。
Even more serious is the fact that some of the old home maintenance is seriously underfunded due to the difficulty of implementing a system of renewal of funds for specialized residential maintenance. In 2004, funds for specialized housing maintenance were required to be paid for the processing of home titles, and no funds for specialized housing maintenance were paid for the previous “rehabilitation” and part of the commercial housing stock. In addition, the prices of commercial housing and affordable housing were low in around 2004, for example in beijing, where the prices of affordable housing were around 1,500 yuan/m2, the prices of commercial housing were concentrated in the range of 4,000 to 8,000 yuan/m2, the base for the collection of funds for specialized residential maintenance was low, and the balance of some subdistricts was less than one third, and funding was difficult to sustain。
The housing stock in our cities and towns is long, large and ageing. As a result of inadequate housing security governance mechanisms, housing hazards and the urgency of filling the gaps in the area of housing security governance, the government has been forced to assume greater responsibility for the safety of existing houses and to introduce reforms to the housing pension system。
Ii. Key to the reform of the housing pension system is the establishment of public accounts with government support, mainly for public medical examinations
We take a “big government” approach to governance, and the government has an indispensable responsibility in the field of human security, in accordance with the guidelines for the construction of an early warning platform for integrated monitoring of urban safety risks (2023 edition), issued by the security committee of the state council (unsecoord) (2023) no. 145), the risk of collapse of old houses is a matter of public safety。
The primary responsibility of the government is to secure the safety floor, which is based on the establishment of a public health check-up system for houses, a platform for the integrated monitoring of housing safety risks, early warning, early disposal, a higher level of specialization in housing safety management and a shift from “risk management” to “risk prevention”。
A key initiative in the reform of the housing pension system is the establishment of public accounts, the primary purpose of which is to finance public examinations of houses. The pilot cities are committed to the safety of the people and have used financial means to finance public accounts。
In addition to public medical examinations, public account funds are also used for housing emergency floor security. In the event of emergency situations, such as fading of outer walls, water infiltration of houses and elevator failure, emergency repairs are carried out, security hazards are removed and safe perimeters are secured for houses that have not received funds for specialized maintenance or have difficulty in using them。
Iii. Promoting the orderly and efficient functioning of the personal accounts of housing pensions
In addition to the public accounts, the housing pension also establishes a personal account, which is based on a system of special maintenance funds for dwellings that has been in operation for 20 years, without the need for the population to contribute to the maintenance fund in addition to the current system. The idea behind the reform is to ensure the orderly and efficient operation of funds for the specialized maintenance of dwellings and to finance, for example, elevator insurance and exterior wall insurance to address the immediate needs of the population. In this regard, reforms have been introduced in the cities of jiazhou and fuzhou for the purchase of elevator insurance for special residential maintenance funds, the establishment of a consolidated account using the value-added of maintenance funds, the improvement of the system of joint decision-making by owners, and the “publicized no-objection” approach to elevator insurance under the supervision of local councils, which has yielded good results. The city of fuzhou has been extended to cover common areas or facilities such as exterior wall insurance, waterproofing and fire-fighting equipment. There is a need for a review and analysis of the jizhou and quilzhou models and a more rigorous analysis of the legal and regulatory framework with a view to replicating them throughout the country。
(by deputy director, centre for insurance and economic development research, china institute of social sciences, and research fellow, institute of finance, china institute of social sciences)
