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在对住房支付能力的内涵与类型、测度方法以及保障房准入标准等问题回顾的基础上,本文以保障房价格(销售价格和租赁价格)为切入点,考虑家庭住房支付能力,针对产权型保障房和租赁型保障房设计了各自的准入标准思路与方法。具体来讲,基于按揭贷款视角采用贷款月偿还额占家庭月收入合理比例方法来界定产权型保障房的保障覆盖范围;采用月租金额占家庭月收入合理比例方法来界定租赁型保障房的保障覆盖范围。然后以天津市不同类型的保障房为例,对本文设计的保障房准入思路与方法进行了应用研究。最后给出实现保障目标的政策建议。
Based on the review of the connotation and type of housing affordability, measurement methods and admission criteria for affordable housing, this paper takes affordable housing (selling price and rental price) as the starting point, considers the affordability of family housing, The protection of housing and rental-type protection of housing design their own access standards ideas and methods. Specifically speaking, based on the perspective of the mortgage loan, the loan monthly repayment accounts for a reasonable proportion of family monthly income to define the coverage of the security type of real estate; the monthly rent is a reasonable proportion of monthly household income to define the security of rental type social security room Coverage. Then, taking the different types of affordable housing in Tianjin as an example, this paper makes an applied research on the ideas and methods of access for affordable housing designed in this paper. Finally, the policy recommendations to achieve the security objectives are given.