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“十二五”规划纲要提出,我国将大力发展保障性住房,重点发展公共租赁住房,逐步使其成为保障性住房的主体。经适房、限价房用于出售,具有“准商品房”的特点,还款来源有保证,贷款回收时间较短,融资问题也比较容易解决,而公租房以出租为主,如果仅靠租金收入作为还款来源,三十多年才能还本付息,贷款的安全性、流动性、盈利性较差,并且公租房开发贷款期限原则上不超过15年,而债券融资、信托融资、股权融资等渠道尚未充分发育。本文在总结美国、德国、日本和新加坡等保障性住房金融支持体系的基础上,提出了建设我国保障性住房金融支持体系的建议。“十二五”规划纲要提出,我国将大力发展保障性住房,重点发展公共租赁住房,逐步使其成为保障性住房的主体。经适房、限价房用于出售,具有“准商品房”的特点,还款来源有保证,贷款回收时间较短,融资问题也比较容易解决,而公租房以出租为主,如果仅靠租金收入作为还款来源,三十多年才能还本付息,贷款的安全性、流动性、盈利性较差,并且公租房开发贷款期限原则上不超过15年,而债券融资、信托融资、股权融资等渠道尚未充分发育。本文在总结美国、德国、日本和新加坡等保障性住房金融支持体系的基础上,提出了建设我国保障性住房金融支持体系的建议。
“Twelfth Five-Year Plan” proposed that China will vigorously develop affordable housing, focusing on the development of public rental housing, and gradually make it the main part of affordable housing. After the fitness room, the price of the house for sale, with “quasi-commodity housing ” characteristics, the repayment sources are guaranteed, the loan recovery time is short, the financing problem is relatively easy to solve, and rent-based public rental, if only rents As a source of repayment, income can be repaid for more than 30 years. The security, liquidity and profitability of loans are poor. In principle, the term of public rental development loans does not exceed 15 years. Bond financing, trust financing, equity Financing and other channels have not yet fully developed. On the basis of summing up the financial support system of affordable housing such as the United States, Germany, Japan and Singapore, this paper puts forward some suggestions on how to construct the financial support system of affordable housing in our country. “Twelfth Five-Year Plan” proposed that China will vigorously develop affordable housing, focusing on the development of public rental housing, and gradually make it the main part of affordable housing. After the fitness room, the price of the house for sale, with “quasi-commodity housing ” characteristics, the repayment sources are guaranteed, the loan recovery time is short, the financing problem is relatively easy to solve, and rent-based public rental, if only rents As a source of repayment, income can be repaid for more than 30 years. The security, liquidity and profitability of loans are poor. In principle, the term of public rental development loans does not exceed 15 years. Bond financing, trust financing, equity Financing and other channels have not yet fully developed. On the basis of summing up the financial support system of affordable housing such as the United States, Germany, Japan and Singapore, this paper puts forward some suggestions on how to construct the financial support system of affordable housing in our country.