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中原地产首席分析师张大伟认为:“共有产权不是新概念,只不过是以哪种比例区分、以哪种模式回购,是北京模式,增加供应量、增加供给量成为未来主流,还是像现在有些城市试点的个案成为其他保障属性里面的补充。”
对于共有产权住房和自住型商品住房等住房的关系,此次北京的征求意见稿中提出,北京市相关办法正式施行后,未销售的自住型商品住房、限价商品住房、经济适用住房,以及政府收购的各类政策性住房再次销售的,将都按“共有产权住房管理暂行办法”执行。
“按份”共有政府占多少?
目前,征求意见稿中规定,购房人产权份额,参照项目销售均价占同地段、同品质普通商品住房价格的比例确定。不过,均价定多少?“按份”共有,政府要占多少?购房者能占多少呢?
楼建波指出,这是“按份共有”的一个关键问题,“现在物权法规定按份共有如果处分财产本身,要有2/3以上的份额说了才算。将来在制定具体规则时,份额可能是需要精心设计的一个东西。一方面要考虑政府的财政负担,另一方面也要考虑如果占得份额很小,就要通过其他手段来限制(购房人处置房屋)。按现在面粉比面包贵的情况,政府在地价上稍微饶让一点,政府占份额超过1/3就容易了。”
如何与政府共有一套房子?
在共有产权的约定当中,征求意见稿明确,共有产权住房购房人应当全额缴纳住宅专项维修资金。共有产权住房的物业服务费,由购房人承担,并在购房合同中明确。
对此,楼建波补充指出,相关办法中应明确共有产权住房对外发生的侵权责任,“比如阳台高空坠物把人砸伤,这种责任政府是否跟着承担?如果不做其他明确规定,至少被侵权人可以要求政府和它的按份共有人一起来承担责任的。”
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