Reforming the tax system is not an easy task, and even if the final proposal is passed and the arrangements are implemented, it will take a long time, not to mention the various obstacles that may be encountered in such a big move, and there is no need to expect any results in a few years.

However, improving local financial resources is a good cure for the current real estate problem, and only by solving this problem can the local thinking of quick success and quick profit be improved, and can the madness of local land sales be completely curbed.

But it will take a few years to see the results at the earliest, which is obviously far from enough, and it is really a few years later, I don't know how far the real estate has developed, and even if the local financial environment is improved, I am afraid that it will not make much sense.

How to have an impact on the real estate boom in the near future is the most critical issue at hand.

"The scheme of public rental housing and low-rent housing is actually the most suitable, on the one hand, this plan can curb the rapid rise of housing prices, and on the other hand, the rental income of low-rent housing can become a local income." Wu Tian said, "The current rent of low-rent housing is very low, and it is not appropriate to recover the construction cost, even if it does not count the land money, which will take decades to recover the original construction cost." It's a pure local investment, and they're certainly not willing to build this kind of loss-making property. ”

"And what do you want? Raising low-rent rents? Wu Jianguo said.

"It's to raise it," Wu Tian said, "to raise the rent to a level where the construction cost can be recovered in about ten years." ”

"The definition of low-rent housing itself is to take care of those families in need, and if you raise the rent so high, what is the point?" Wu Jianguo said.

"Dad, you're a little out of the crowd." Wu Tian said with a smile, "Do you think that the local low-rent housing is really rented to those difficult households who can't afford to buy a house?" The final result is not something that someone has divided in a special way? Truly needy households may not be able to get a house. ”

Wu Jianguo frowned, but did not speak, it is obvious that this situation is very common, it is the case almost everywhere, and there is no good solution to this above.

"Or you can position affordable housing into two types: public rental housing and low-rent housing, low-rent housing is purely public welfare, and the rent can be set very low, but a larger proportion of public rental housing should be increased. Only by letting the local people see that public rental housing is not without the possibility of generating profits, can they increase their enthusiasm. And once there is a lot of public rental housing in the market, those speculators who buy a few houses as a family, rent them out for profit, or wait for future appreciation will come to their senses, and when the house price wants to rise, there will be no one to support it. ”

Wu Jianguo nodded, and then said: "Your idea may be right, but you have ignored a problem, that is, even if you can make public rental housing recover funds for the local government, it will take at least ten years before you can contribute to the local financial resources." And with the rogue system we practice, who cares about what will happen in ten years? I'm afraid that no one is willing to spend a lot of money to build public rental housing, right? ”

Wu Tian smiled and said, "This question should be handed over to the bank......"

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If it is said that in the China real estate bubble, the initiators were those groups with vested interests, but the banks are definitely the ones who add fuel to the fire and play for the tiger in the real estate bubble.

Zhonghua's real estate companies relied on capital operation in the early stage and took loans from banks to support the project, and finally developed step by step.

In Wu Tian's memory, every time he regulated real estate in his previous life, the first thing he did was definitely to shrink the silver roots.

Therefore, Wu Tian hit the bank with the idea. In fact, there is no shortage of local infrastructure construction through bank loans, but that is only a separate act in a certain place, Wu Tian's idea is to formulate a unified model for this matter, and coordinate it by the high-level, so that it may be able to achieve better results.

In fact, many situations in China are easy from the top down, and it is almost a luxury to want the lower side to take the initiative to do something spontaneously. The role of administration is always greater than the subjective initiative of the localities.

"If a plan is formulated, for example, it requires that a certain amount of affordable housing must be built in proportion to the purchase of land by the local government, and after this indicator comes out, it will be declared, and then the local bank will be coordinated to provide a corresponding amount of loans, on the condition that the rent income of the public rental housing built in the future will be repaid. Although the repayment efficiency is limited, it can ensure stability and there is not too much risk of bad debts, and I believe that the bank will agree to cooperate. Wu Tian said.

Wu Jianguo groaned and nodded: "This plan has a certain degree of operability, but it is not easy. First of all, the situation is different in different places, whether it is the level of rent, construction costs, etc., there are differences, this matter cannot be one-size-fits-all, and if you want to follow the conditions of each place, the workload will be greater. ”

"The upper authorities are only responsible for grasping the direction and providing this idea, and the local authorities will depend on their own ability to coordinate with the bank themselves." Wu Tian said, "The key point is to add this plan to the performance evaluation of local leaders, as long as there is this article, everything is not a problem." ”

In this official-oriented country, all problems should make way for the promotion and performance of the leader. Nowadays, the emphasis is on GDP, which has led to a huge change in reform, and there is also a vicious circle of demolition and construction everywhere.

If this situation can be approved and examined, then there is no doubt that all localities will rush to handle the problem of public rental housing - anyway, there is no need for local governments to spend money, banks will pay for it, and construction can also bring GDP, so naturally there will be no resistance mentality, and things are still afraid that things will not be done well?

"You think you can do it with a touch of your mouth?" Wu Jianguo glared at Wu Tian and said.

Wu Tian smiled bitterly, this matter is really not something that can be successful by talking about it, after all, changing the content of the assessment is a big deal, not to mention that the content of this assessment will directly affect the interests of some groups, and it is clear without thinking about it, the result will inevitably be vigorously obstructed by some people!

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was busy working around, but Wu Tian found that he had not found a practical solution.

Dad naturally agreed to reform the tax system, but it would take several years to implement it.

On the one hand, it is the enthusiasm of local implementation, and on the other hand, it is necessary to pay attention to how the final pricing should be supervised, otherwise the local government can read the scriptures crookedly, and this matter is likely to become a gap for the local government to directly operate real estate projects and earn rent at high prices.

Not to mention, as more and more young people go to the city to work, there are more and more renters, many second- and third-tier cities are everywhere in urban villages, once this project appears, the official public rental housing may become a project to serve renters, as long as it remains the same as the market price, how much benefit will it be? If this is the case, the original intention of the project will be lost - public rental housing is a supplement to low-rent housing, and once public rental housing cannot maintain a corresponding low price, tenants will naturally be inclined to buy a house in comparison, and the project will be meaningless.

Therefore, how to ensure that this plan can be implemented in accordance with the regulations after it is promoted is the difficulty. Without a solution, the public housing scheme cannot be implemented.

This matter can only be discussed by Wu Jianguo to find relevant experts to see how to solve the implementation problem, and it will take some time to come to a general conclusion. For a while, Wu Tian could only sigh and continue to rack his brains to find a way.

In fact, there is another option, that is, not relying on the power of the government, and purely using private capital to solve this situation.

As early as many years ago, when Wu Tian was a member of Tianrong Real Estate, the plan formulated for Tianrong Real Estate was to devote itself to renting, rather than building and selling. For more than 20 years, Tianrong Real Estate has already ranked among the first-class real estate companies in China by virtue of this principle.

With the rise of the real estate boom, Wu Tian has no choice but to direct Tianrong Real Estate to develop public rental housing projects more vigorously, especially in first- and second-tier cities. In principle, the construction of high-rise apartment buildings is carried out by using a limited number of land plots and renting them out at a market price relative to the first point.

On the surface, this method is much slower than the model of building a house and buying a house, and the process of income capital is much slower, but the income is longer and more stable!

Maybe the average real estate company snowballs very fast, but once the real estate bubble bursts, those companies will definitely collapse very quickly. The model of Tianrong Real Estate is enough to ensure that the company's losses are limited, after all, the property is in the hands of the company, as long as there are tenants, even in the face of the real estate crisis, the company is still profitable!

It is a pity that no one has followed this model, after all, the current domestic real estate companies, almost all start from the empty gloves white wolf, they do not have strong capital to wait for long-term returns - after all, Tianrong has been in business for more than 20 years, they have enough capital and assets in the early stage to provide stable income to support their steady development. And those real estate companies now, they are more willing to expand the scale of the company in a short period of time to obtain more abundant capital for operation.

The problem that Wu Tian is thinking about is how to make other real estate companies build public rental housing like Tianrong, so won't all the problems be solved?

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In fact, it is enough to transfer the plan that Wu Tian gave to his father to a private real estate company.

As long as the income can be guaranteed, the bank will not refuse to provide loans to real estate developers. In addition, private companies can be far more powerful than the government to enforce them, and they are motivated by wealth interests, not political performance or anything else.

Of course, there is also a problem with this, and that is the pricing of rent.

Private real estate companies will definitely not set housing prices with the goal of affordable housing, which means that they will definitely go with the market, and the rents set are very high, and the result will not make renters discourage their plans to buy houses, and the real estate market will not necessarily cool down because of the abundance of public rental housing.

Therefore, how to ensure that the rent of public rental housing is kept low is the key to the success of this project.

Wu Tian thought of some similar situations in the United States.

The government of the United States has also built a lot of public rental housing, and the pricing is very low, and even the pricing power is not in the hands of the government, but in the hands of tenants. Including some private apartment buildings in the United States, the rent pricing is not arbitrarily imposed by the landlord, and must be approved by the relevant functional departments. One of the most important points is the lease contract, according to the relevant regulations, the landlord is not allowed to tear up the contract at will, evict the tenant, and not change the rent unilaterally. This means that once the tenant signs the lease contract, the rent of the house cannot be increased unless the person dies!

Of course, this approach is certainly not suitable for China, but that doesn't mean there is nothing to learn from.

For example, the pricing of rents should take into account the current economic environment and per capita income. For example, if the rent increases or decreases, it should be heard by the tenant. In addition, it is possible to require the rent to be lower than the normal market level through tax reduction and exemption policies, land discounts, low interest rates on loans, and even government subsidies.

Overall, this plan is certainly much simpler than directly asking local governments to take the lead.

The biggest problem of this plan is only one point, that is, how to get those private enterprises to abandon the snowball model of building and selling houses faster with money, and choose this model with a longer profit cycle but limited strength.

You must know that the whole society is impetuous, not to mention that the money itself is slow to come to this plan, but I am afraid that those companies will also worry about recovering costs, whether there will be any changes in domestic policies, or even no return!

Wu Tian pondered for a long time, but he still didn't think of a good plan that could drive private real estate companies to choose this business model on a large scale, so he couldn't help but sigh - in this year, in this country, it is really difficult to do something serious......

[Bow and thank you for the blank reading, Chef Hu's monthly pass!] (To be continued.) )