基于住房支付能力的住房保障对象的界定  

To Define the Housing Security Object on Housing Affordability

作　　者：汤腊梅[1] 

机构地区：[1]湖南城市学院经济管理系,湖南益阳413000

出　　处：《城市发展研究》2010年第10期41-45,共5页Urban Development Studies

基　　金：湖南省社会科学基金项目"城市中低收入群体的居住问题研究"(项目编号:06YB113)

摘　　要：我国住房保障对象经历了从中低收入家庭向低收入家庭的演变。但对低收入家庭的不同理解导致政策实施中住房保障面期望值和实际值的巨大反差,如何界定住房保障对象成为一个难题。作为住房保障对象的低收入家庭,其界定依据是住房支付能力,而测度住房支付能力的关键是家庭月住房消费收入与目标住房所需月还款额。由此,构建基于收入增长的住房支付能力模型,并借助统计数据进行分析,测度我国不同收入阶层的住房支付能力,从而从消费者需求角度界定了我国住房保障对象。In China,the Housing Security Object has evolved from the middle-income families to low-income families. However,the various understandings of the ＂low-income＂has led a great contrast in people’s expectation and reality; thus,how to define the Housing Security Object becomes a thorny problem. As for low-income families,they have the security of housing based on their limited housing affordability. But the linchpin to infer their housing paying ability is the family housing expenditure of monthly income and the necessary monthly repayment for the target housing. Relied on the increasing income of Chinese residents,this paper frames a model of housing affordability. And with the analysis of Chinese statistics,the paper further calculates the housing affordability of different levels,and defines the Housing Security Object from the angle of consumers.

关 键 词：住房保障对象 低收入家庭 住房支付能力 

分 类 号：F293.31[经济管理—国民经济]