With the acceleration of urbanization and the continuous increase of urban population, the urban housing problem is becoming more and more serious. In order to solve this problem, the government has issued a series of housing policies, one of which is the introduction of affordable housing. Taking the affordable housing in the northern suburb of Xi as an example, this paper introduces the operation steps of affordable housing and its exploration to solve the urban housing problem.

What is affordable housing?

Affordable housing refers to a kind of housing built by the government to solve the urban housing problem. Its price is lower than the market price, and it is stipulated that buyers must meet certain conditions. The construction of affordable housing aims to solve the housing problem of low-and middle-income families and enable them to own a house in the city.

Xi Anbei Suburb Economically Affordable Housing Operation Steps

1. Registration

First of all, you need to register with the local real estate bureau, fill in the relevant application form, and submit personal ID card, household registration book, income certificate and other related materials. Eligible applicants will be entered into the public housing application database after examination.

Choose a house

In the public housing application database, eligible applicants will be arranged to choose a house in the corresponding real estate. When choosing a house, we need to pay attention to factors such as apartment type, area and orientation, as well as surrounding facilities and traffic conditions.

sign a contract

After choosing a house, you need to sign a purchase contract with the developer and pay a certain purchase deposit. The purchase contract shall specify the price, payment method and delivery date of the house.

4. Housing loan

For qualified buyers, you can apply for a house purchase loan. Factors such as housing loan amount and repayment period need to be evaluated according to individual circumstances.

Step 5 check the house

After the housing construction is completed, the developer will inform the purchaser to inspect the house. After the house inspection is qualified, the purchaser needs to hand over the house for occupancy at the time stipulated in the contract.

Advantages of affordable housing

1. Preferential price

The price of affordable housing is lower than the market price. For low-income families, buying affordable housing is a more economical choice.

2. Policy support

The government has given strong support to the construction of affordable housing, and buyers can enjoy the relevant preferential policies of the government.

Solve the housing problem

The construction of affordable housing aims to solve the housing problem of low-and middle-income families and enable them to own a house in the city.

Insufficient affordable housing

1. It is difficult to apply.

The application conditions for affordable housing are relatively strict, and it is necessary to meet certain income and household registration conditions, so some people who meet the conditions but can't apply for affordable housing are more distressed.

2. Insufficient supporting facilities

Due to the low construction cost of affordable housing, some supporting facilities may be insufficient, such as surrounding transportation, education, medical care and other facilities.