城市新就业职工基本住房支付能力研究——基于合肥市两次抽样调查

Research of the Fundamental Housing Affordability of City Newly Employed: Based on Two Sampling Surveys in Hefei City

无论是租房,还是买房,城市新就业职工基本住房支付能力均较差,特别是购房月供能力严重不足。比较而言,剩余收入是理想的住房支付能力判断指标;住房可支付性指数可用于租房支付能力判断,但不适合购房支付能力判断;房价收入比是否超过6∶1仍然是简单易行的房价高低判断标准。收入、房价(房租)、住房贷款利率,是影响住房支付能力主要因素。建议新就业职工以租房为主,在收入和积累达到一定水平后,再选择购房;对首次置业、购买90平方米以下普通商品住房,提供优惠住房贷款,提高购房支付能力。

It is hard for city newly employed to purchase or rent houses because of their inadequate fundamental housing affordability, especially the capacity to pay off mortgage loans. Relatively speaking, residual income is a reasonable index of housing affordability. Housing affordability index can be used for judging renting housing affordability, but not for purchasing housing affordability. Whether housing price to income ratio is more than 6 to 1 is still an index that is easy to use for judging whether the housing price is high. Incomes, housing prices （and renting prices） and housing rent interests are main factors influencing housing affordability. It is suggested that most of the newly employed mainly should rent houses and purchase houses after their incomes and savings increase to a certain level, and in order to increase the housing affordability, concessional loans should be offered to those who are to buy their first house or buy houses less than 90 square meters