Comparative Study On Financing Pattern Of Public Rental Housing In Chongqing

With the development of market economy, the lower income groups is difficult to relysolely on their own strength to meet the basic housing demand. At present, in order to solvethe difficult problem of housing of low income population, the Chinese governmentlaunched the affordable housing, low rent housing and capped-price housing and a series ofhousing security measures, to solve the housing problem of low-income urban residents apart. With the construction of our country economy development and urbanizationcontinues to advance, neither with the affordable housing standards, special difficulties northe economic capacity of a class of individuals to buy commercial housing market priceunder the gradually lead them to become "sandwich class". How to solve their housingneeds, has become an urgent and realistic social problem. In this context, public rentalhousing model produced and gradually developed.This article embarks from the development process of China’s public rental housingfinancing problems, firmly seize the capital requirements that restrict the development ofpublic rental housing the main line analysis, comparison and analysis of the currentfinancing channels of public rental housing in Chongqing City, so as to find out theproblems and the direction of the research. At present, China’s public rental housingconstruction in the traditional mode of financing as the main part of the city, also begin totry new ways of financing in various. Chongqing city public rental housing financing hastaken the government investment, bank loans, provident fund loans, social security funds,insurance funds loans loans and other methods, PPN, ABS, REITs and other variousfinancing channels is also active contact.How to optimize the use of these financing channels, to minimize the cost offinancing to raise more funds, this paper will through the various factors on the variousfinancing channels, financing amount, term, interest rate is analyzed, and the analysis ofdifferent stages of combination mode of financing for the construction period andoperation period.