Housing reform refers to the product of the reform of the urban housing system issued by the State Council in 1994. It is a transitional policy for the transformation of urban housing from the previous unit allocation to the market economy. Now it can also be called Public housing has been purchased.

Purchased public housing refers to the already built public housing purchased by urban employees at cost price or standard price in accordance with the relevant urban housing system reform policies of the state and local people's governments at or above the county level. If the house is purchased at the cost price, the ownership of the house belongs to the employee personally. If the house is purchased at the standard price, the employee has partial ownership of the house, which will generally be owned by the employee after 5 years.

Housing reform is a form of compensation provided by the state to employees whose wages do not include housing consumption funds. It is a form of transition from the housing system to housing commercialization. Its price is not determined by market supply and demand, but is determined by the government based on The principle decision to achieve simple reproduction of housing and establish a housing supply system with social security is to sell at standard price or cost price.

There are restrictions on the sales targets of housing reform houses. Not everyone can enjoy the preferential policies of housing reform. People who buy houses sold under housing reform can only be residents who can afford single-use complete sets of public housing and meet the allocation requirements. housing conditions of employees.

In the process of housing reform and housing sales, the area of ??houses purchased is controlled, and the control index of the floor area that can be purchased per person is stipulated to prevent some people from taking advantage of their powers to purchase public housing in large quantities at low prices, causing the loss of state-owned assets or public property. of loss.

There are certain preferential policies for purchasing public housing sold under housing reform. The price of public housing is based on the standard price or cost price and also has preferential treatment in terms of length of service, position or professional title. There are also preferential policies for retired cadres.

In addition, there are restrictions on entering the market when purchasing public housing under housing reform. Public housing sold to employees generally cannot be sold until they have been occupied for several years. It refers to public housing purchased by employees at standard price or cost price.

Extended information:

Category

Housing reform housing is divided into two types: discounted housing and full-price housing. During the first housing reform in 1981, employees could choose to purchase a house at a discount or at full price. Discount purchase is commonly known as the "three-three system", that is, purchasing at 1/3 of the full price; the second housing reform in 1990 There is no issue of discounted purchase. The house payment is calculated and collected according to the policies of the second housing system reform plan, and the house buyer pays the full price.

We can usually determine the category it belongs to based on the content recorded in the "Real Estate Certificate". In the column of the source of house ownership or the remarks column, "purchased at a discount" will be recorded for a discounted house, and "purchased at a discount" for a full-price house. "Full price purchase" or "housing reform sale" content.

Purchase conditions

The housing reform must be approved by the Municipal Housing Reform Office or the housing reform must be approved by the superior authority of the selling unit and reported to the Municipal Housing Reform Office for record; and a housing reform contract must be signed and in accordance with the housing reform policies. The purchase price of the house has been paid in full. Its original ownership unit is a work unit or housing management bureau, and it is sold to individuals. ?

Transfer process

1. The buyer and seller establish information communication channels. The buyer understands the overall current status and property rights of the house, and requires the seller to provide legal documents, including house ownership certificates, identity documents and other documents.

2． If the house provided by the seller is legal and can be listed for trading, the buyer can pay a house purchase deposit (paying a house purchase deposit is not a required procedure for commercial housing sales), and the buyer and seller sign a house sales contract (or house sales contract).

After the buyer and seller reach an agreement through negotiation on the location of the house, property rights status and transaction price, house delivery time, house delivery, property rights management, etc., the two parties sign at least three copies of the house sales contract.

3. The buyer and seller *** both apply to the real estate transaction management department and accept review. After the buyer and seller submit application procedures to the real estate management department, the management department must check relevant documents, review property rights, and allow transfer procedures for houses that meet the listing conditions. For houses that have no property rights or partial property rights and have not obtained the written consent of other property rights holders, Otherwise, the application will be rejected and listing and trading will be prohibited.

4. Establish a contract. The real estate transaction management department shall, based on the property rights status of the house being traded and the purchase object, apply for approval step by step according to the approval authority set by the transaction department in advance, and then the two parties to the transaction can go through the contract signing procedures.

5. Pay taxes and fees. The composition of taxes and fees is relatively complex and depends on the nature of the transaction.

For example, the tax composition of housing reformed housing, relocation housing, affordable housing, and other commercial housing is different.

6． Handle property rights transfer procedures. After both parties to the transaction complete the property rights change registration at the real estate transaction management department, the transaction materials are transferred to the issuing department, and the buyer applies for a new property ownership certificate at the issuing department with the notice of receipt of the house ownership certificate.

7. For the buyer of the loan, after signing the house sales contract with the seller, the buyer and seller will go to the lending bank to handle the loan procedures together. The bank will review the buyer's credit and evaluate the house that both parties want to trade to determine the buyer's The loan amount will then be approved by the buyer. After both parties complete the property rights registration change and the buyer receives the house ownership certificate, the bank will issue the loan in one go.

8. After the buyer receives the house ownership certificate and pays all the house payments, and the seller delivers the house and settles all property fees, the second-hand house sales contract between the two parties is fully fulfilled.

Detailed process

1. First, go to the Policy and Regulation Section of the Housing Reform Office (in the Municipal Real Estate Bureau) to get the "Housing Reform Housing Listing and Transaction Application Form";

2. After the property owner fills out the above application form, go to the original property owner to have it stamped and receive the "Employee Personal Housing File Registration Form" and "Housing Reform and Sale of Public Housing Complete Property Rights Appraisal Valuation Form";

3. Take the application form stamped by your unit to the Public Housing Section of the Municipal Real Estate Bureau for stamping (it takes about 10 working days);

4. After completion, bring the above three forms and housing reform housing-related information back to the housing reform office. The required materials include: house ownership certificate, land certificate, house owner and spouse ID cards, household registration book, marriage certificate, etc. (the originals need to be viewed) and keep 2 copies) (if the couple is divorced, provide the property division agreement, if one spouse is deceased, provide the property division certificate, and if the couple is unmarried, provide the original certificate of unmarried status);

5. Use the above information to apply for the "Housing Reform Housing Listing and Transaction Registration Form" at the Housing Reform Office, which is the listing certificate.

6． Completed all procedures at the housing reform office.

Reference material: Baidu Encyclopedia - Housing Reform