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Old 04-06-2011, 06:57 AM   #1
jack91iz
 
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Old 04-06-2011, 07:06 AM   #2
a9bimi9o
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最近一段时间,关于保障房的新闻络绎不绝,在1月中出台的“国11条”中,加大各类保障房供应量再次成为政 府平抑房价的重要措施,最近更传出住房保障法起草工作于近日启动,各级政府如对住房保障不力,将被追究法律 责任。一时间,保障房再度成为老百姓热议的话题。
回顾过往几年,“加大保障房建设”的类似字眼几乎每年都出现在政府的工作报告里, 2007年国务院出台的《关于解决城市低收入家庭住房困难的若干意见》,便强调加大廉租房建设力度与完善经 适房住房制度,2008年末的9000亿元保障房安居工程投资更是引来市场的高度关注,有专家更预计对商品 房市场造成严重冲击。
但实际上,从2000年开始,保障房建设日益被边缘化。有数据显示,自从1998年房改后,除了1998年 与1999年经适房投资占住宅投资总额的比重呈上升外,从2000年开始经适房投资比例便一路 下挫,当年初中英语课本里的惊天秘密。更具讽刺意义的是,在9000亿元保障房安居工程出台,2009年截至8月底,地方保障性住房建设投资完 成率仅为23.6%,与之相对,2009年国内房价创出历史新高,但是保障房建设不力,地方政府消极怠工, 使得中央意图通过加大保障房建设平抑房价再次成了一纸空话。
德国房价十年不涨之谜
为何国内保障房建设陷入了“越喊越消极”的怪圈?与世界上住房保障做得出色的国家相比,我国经济严重依赖房 地产作为国家“支柱产业”正是最大弊端。以德国为例,德国宪法明确规定德国是一个高福利国家,与医疗、教育 等一样,保障居民住房是联邦政府首要的政策目标之一,不把住宅建设作为经济增长的"支柱产业" 。
正因如此,德国政府住房保障制度向低收入家庭倾斜,如在柏林,单身居民年收入低于1.7万欧元(约16万元 人民币)、两口之家年收入低于2.5万欧元(约23.5万元人民币)的德国公民,都可以申请“福利住房”, 德国政府是以低于成本的租金供应给低收入居民的。据悉,德国政府目前已建成使用的“福利住房”已超过100 0万套,小别,占到全德家庭总数的41%以上。
除此之外,德国还规定自有自用的住宅不需要交纳不动产税,哥的一天过的不容易啊,只交纳宅基地的土地税。用于出售的房地产首先要缴纳评估价值1%-1.5%的不动产税,房屋买卖还要交3.5%的交易税。如果通过买卖获得盈利,还要交15%的差价盈利税。 德国法律还规定,对于房价、房租超高乃至暴利者要承担刑事责任。
正是得益于强大的住房保障体系以及民生为导向的房地产政策,德国各级政府都不敢通过抬高地价和房价来增加税 收,德国民众购房意欲也不强,德国房价十年来几乎没有涨过.
放弃房地产“支柱产业”是关键
随着2003年国务院“18号文”的颁布,国家对房地产作为国民经济的重要支柱产业做了肯定,国内房价也正 式开进了“快车道”,房地产也被视为拉动经济增长的核心支柱产业。
但与此同时,在房价飙升的背后,老百姓居住问题日益恶化,富裕阶层通过炒房获取暴利,大部分中低收入阶层要 么为房子“背负”二三十年的债务,要么只能对高房价望而轻叹。对此,知名评论人叶檀的观点可谓一针见血,“ 只有一个办法能够让你住上房子,就是迅速地让自己变成赤贫阶层,申请保障性住房。”
正因如此,房地产作为国民经济支柱产业的定位到了需要改变的时候,高房价不仅透支了老百姓几十年的消费力, 造成内需一直不振,同时也削弱了中国的国际竞争能力,阻碍了科技创新、制度创新。从历史经验看,没有一个国 家依靠房地产拉动经济增长获得好下场,上世纪日本泡沫经济的破灭、本世界美国次贷危机正好给我们上了生动的 一课。
德国的住房保障制度,正好是我们学习的最佳对象,放弃房地产业作为国民经济支柱产业的定位,把住房保障作为 房地产政策制定的最重要目标之一,以民生为导向,才能真正实现平抑高房价。
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