“合作建房”这个词语或许早已被大家遗忘，但在9 年前于凌罡首次提出“合作盖楼”理念时，在业界引起了轩然大波。2005 年西安市首例个人“合作建房”浮出水面，一时也是应者云集，但不幸半路搁浅，那么集资建房到底有没有生存空间呢？有人认为“合作建房”的愿望就是一个“乌托邦”，没有政府的支持，没有规范化的管理，仅凭“诚信”一个苍白的承诺，难以将一盘散沙熔于一炉；另有人认为政府关于民生住房问题的包袱背的过重，政府管到廉租房就够了，不必再包揽更多的住房问题，能够更贴近民意和市场，解决住房这个重大民生问题的，应该是住宅合作经济，即合作建房。孰是孰非一时难以判断，敬请关注楼市会客厅本期话题：

“Collaboration builds a house”The word might perhaps have was the forgotten，But in nine years ago linggang cooperation first put forward“Cooperation towers”Idea when，In the industry caused a stir。In 2005 the first xi "an individual“Collaboration builds a house”surfaced，A response is considerably，But unfortunately stranded halfway，So collect money build house exactly have living space？Some people think that“Collaboration builds a house”Wish is a“utopia”，No government support，No standardization of the management，With only“integrity”A pale commitment，It is hard to crumble in a melting furnace；Others think that the government of the people's livelihood carries the housing problem of overweight，The government of low-cost housing will be enough，Don't have scored more housing problems，Can more close to the public opinion and the market，To solve the major problems of housing the people's livelihood，Should be home economic cooperation，Collaboration builds a house that is。A ShuShiShuFei hard to judge，Please pay close attention to this topic saloon property market：

　　

本期嘉宾 This guest

　　西安陆港愿景置业有限公司总经理 张金鹏

Xian LiuGang vision real estate Co., LTD ZhangJinPeng general manager

　　西安博思堂房地产营销有限公司总经理 李秋月

Xian bo think hall real estate marketing, general manager of LiQiuYue

　　东尚地产营销中心经理 谢艳丽

East is still real estate marketing center manager XieYanLi

　　美城机构研究部经理 张红卫

The city manager ZhangGongWei research institutions

　　主持人：本报房产新闻部记者 孟 潮

The host：Our housing news department reporter meng tide

　　时间：2012年7月16日

time：July 16, 2012

　　地点：本报房产会客厅

site：Our housing saloon

　　

曾经火热如今冷清 Once busy now cold and cheerless

　　主持人：各位嘉宾下午好，各位都是业内的专家舵手，对行业动态往往是洞察秋毫，就各位了解，目前全国及西安“合作建房”现状如何？

The host：Guests good afternoon，You are the expert inside course of study a pilot，The dynamic of the industry is often insight into the curious，Will you know，At present the country and xi 'an“Collaboration builds a house”How is the situation？

　　张金鹏：七八年前刚兴起时比较流行，全国各地也跟着火热了一段时间，但就我所知除了温州、深圳等个别地方集建成功之外，其他的大都是以不了了之而放弃，包括西安当时也仅坚持一年左右的时间也搁浅了。直到近几年也很少再听说，有些福利

ZhangJinPeng：Eight years ago when just rise are popular，All over the country were also follow a period of time，But I know in addition to wenzhou、Shenzhen and other individual place set built outside success，The other is to give up most of the dismemberment，Include xian was only hold a years time also had run aground。Until recent years also rarely then heard，Some welfare

　　房、集资建房现在也变换了说法，如：委托建房、定向开发甚至最初的“购房团”等说法都可能是从合资建房这个想法衍化而来的。变换了说法和形式后也就变成了正常的盈利性质的开发公司，所以和现在的开发企业也没什么两样。

room、Collect money build house now also transform the claim，if：Entrust house、Directional development even the first“Purchase group”And that they were all from the joint venture may build the idea back in。The transformation that forms and becomes a normal nonprofit development company，So and the development of the enterprise also now no different。

　　李秋月：据我了解，基本存在于经济发达的地区、单位或群体。但未普及全国，全国曾经也跟风召集过，但大都没有坚持下来。西安虽然曾经搁浅，但现在也还有，如，陕北的一些煤老板及比较有实力的单位或圈层会有一些“合作建房”的案例，其实大都也不是最初的模式了。

LiQiuYue：I understand，Basic exist in the economic developed area、Unit or group。But not been popular throughout the country，The national ever also follow suit called，But most did not insist on down。Xian, although it had run aground，But now there are，if，Some of the coal boss and northern shaanxi is the strength of the unit or envelops will have some“Collaboration builds a house”case，In fact is not the most original mode。

　　

保障不够可行性差 Security is not enough feasibility is poor

　　主持人：大家都知道，“合作建房”在国外的认可度及推广度是比较普遍的，相对国内的个别成功案例来说，各位认为“合作建房”在全国实行有没有可行性和发展未来？

The host：We all know，“Collaboration builds a house”In the approval of foreign countries and promote degree is common，Related to domestic individual successful case，You think“Collaboration builds a house”The feasibility and in the country have future development？

　　张金鹏：这个概念首先是从国外来的，所以相对来说国外市场比较成熟和发达，不管是政府行为、开发商行为还是民间行为都是有章可循的，这样就会规避很多未知的风险和因素；另一方面，产权的有效期限在国内外也不一样，这也无形中减弱了一些集资建房者的行动力。所以，个人认为“合作建房”在全国可行性难度较大。具体

ZhangJinPeng：This concept first come from abroad，So opposite for the foreign market more mature and developed，Whether the government behavior、Developers behavior or folk action is rising，This will avoid many unknown risks and factors；On the other hand，The term of validity of a property right in and abroad，This also virtually subsided a little collect money build house of the power line。so，Personally think“Collaboration builds a house”In the national feasibility is difficult。specific

　　原因首先表现在，地产开发的若干个环节通常是不透明的，这样作为非专业的开发行为很难操控和掌握；其次，政府没有明确规定或表态支持这种行为，法律上也没有明确的保障体系，所以这个愿望是好的，但实施过程中的不确定因素太多，终难成行。

Reason is first being，Real estate development of several links are usually not transparent，Such as the development of the non-professional behavior is hard to control and mastery；second，The government did not make clear a regulation or takes a support for this kind of behavior，The law is no clear security system，So this desire is good，But in the implementation of uncertain factors too much，End difficult journey。

　　张红卫：首先，房地产开发过程涉及的环节和链条太多，如拿地，评估、规划、设计、建筑、户型、园林、智能化、配套、物业管理等等，这些需要很强的专业能

ZhangGongWei：first，Real estate development process involves link and the chain too much，If take to，assessment、planning、design、building、family、garden、intelligent、supporting、Property management, etc，These need very strong professional can

　　力和强大的合作组织能力，而这恰恰是“合作建房”者的短缺。

Force and strong cooperation organization ability，And this is precisely“Collaboration builds a house”The shortage of the。

　　其次，“合作建房”成本低，自然最后拿到手的房价也会低，如果普遍低房价势必会影响整个社会经济运行态势，政府目前尚未有这方面完善的举措。

second，“Collaboration builds a house”Low cost，Natural finally with our house prices will also lower，If common low prices will definitely affect the whole social economy operation situation，The government has yet to have the perfect measures。

　　谢艳丽：“合作建房”在资金链上具有风险性，保障性较差，民间集资性活动也更容易产生纠纷，诈骗等行为。不过“合作建房”的房价比周边商品房价格要便宜很多，如果在政府和政策各方面体制都成熟的条件下，是具有可行性的。

XieYanLi：“Collaboration builds a house”In the capital chain with risk，Poor security，Folk funding sexual activity also more likely to have a dispute，Fraud, etc。but“Collaboration builds a house”House prices than surrounding commercial housing prices are much cheaper，If the government and policy aspects system under the condition of all mature，Is feasible。

　　

意愿良好难当重任 Intend to good responsibility catatonic state

　　主持人：当前，政策严调不松，房价持久不降，有人认为与其这样僵持守望，不如另辟蹊径，于是“合作建房”被认为是救赎楼市的一剂良药，各位怎么看？

The host：The current，Strict policy can't adjust to loosen，House prices do not fall lasting，Some people think that with such a watchman stalemate，Cyber than，so“Collaboration builds a house”Is considered a good dose of redemption property market，How do you see？

　　张金鹏：个人认为这个想法不成立，因为目前政府的市场调节是主基调，而不是由市场自主运作，这种形势下，作为专业的开发商或企业尚且很难对市场风险进行预测，更何况是民间形式，一旦碰到政策变化及市场形势波动，原先单纯的意愿很可能会被

ZhangJinPeng：People think that the idea was not，Because the government is the market regulation advocate fundamental key，Not by market independent operation，This situation，As a professional developers or enterprise have it is difficult to predict the market risk，And what is the folk form，When it comes to policy changes and market situation fluctuations，Originally simple intend to be likely to be

　　击垮，加上集资合伙者之间的信任度和决断能力及拿地等一系列繁琐手续也是不容易办到的，所以下这一剂药是有风险的。

down，Plus funding partner trust between and ability to make decisions and to take a series of red tape is not easy to do，So the dose is a risk。

　　张红卫：首先，中国楼市总体呈现下滑趋势，无论房价还是成交量，西安也不例外。究其原因，第一，没有一个国家的房价能无止境上涨，这是规律。上世纪二三十年代美国经济萧条和九十年代日本房地产泡沫破裂就是最明显的例子。第二，房地产发展周期与经济周期一样，都将遵循复苏、繁荣、衰退和萧条四个阶段，形象一点来说，政府出手让泡沫消退，实现软着陆，社会经济才能在以退为进中度过危关。第三，这次衰退周期中，西安要比一线城市相对较轻，从跌幅比例上来说，我预计未来三五年，西安房价从去年最高点到未来最低点，将有不会少于20%的跌幅。其次，“合作建房”可能成为未来一两年短期市场行为，但不长远。从长远看，当房价下跌到人们对房产不再热情时，“合作建房”就有了不存在的必要。另外，20年后人口红利结束，住房饱和需求不足，“合作建房”更无存在空间。

ZhangGongWei：first，China property market overall tends to decline，Whatever house price or volume，Xian is no exception。Investigate its reason，The first，No country house prices can rise in endless，This is the law。In s the United States on economic depression and ninety s Japan a real estate bubble is the most obvious example。The second，Real estate development cycle and economic cycle，Will follow recovery、prosperity、The recession and depression four stages，Image point，The government moves to foam subsidise，Realize a soft landing，Social economy in YiTuiWeiJin can spend the dangerous pass。The third，The recession cycle，Xian city than a line relatively light，Drop it from the proportion，I expected future 35 years，Xian house prices from high to low last year in the future，There will be not less than a 20% fall。second，“Collaboration builds a house”A year or two possible future short-term market behavior，But not long。In the long run，When home prices fall to the people to the estate when no longer enthusiasm，“Collaboration builds a house”Have not exist necessary。In addition，20 years after the end of demographic dividend，Housing saturated demand，“Collaboration builds a house”There is no any more space。

　　谢艳丽：“合作建房”的模式目前在西安乃至全国都是不在政府保障体系内的，也没有一套完善的支撑架构，虽然其价格要比商品房便宜很多，对普通老百姓来说优惠力度很大，但考虑到政策、法律、法规及管理体制等保障性不佳的前提下，需谨慎对待。所以至少目前它只是一个好的愿景，还担不起救赎楼市的重任。

XieYanLi：“Collaboration builds a house”At present the mode in xian and even the whole country is not in the government in the security system，Also don't have a perfect support structure，Although the price is a lot cheaper than commodity house，To ordinary people a preferential strength，But considering the policy、law、Regulations and management system, and so on the premise of poor security，Should be treated with caution。So at least currently it just a good vision，Still can't afford to bear the burden of redemption property market。

　　本报记者孟潮

Our correspondent MengChao

　　

名词解释：合作建房 Nouns explain：Collaboration builds a house

　　合作建房，又称合资建房或集资建房，是指一群志同道合的普通民众集合在一起,共同出资，选购合适地块，找设计公司设计、找建筑公司施工，以非盈利方式

Collaboration builds a house，Also called the joint venture or collectively-owned building construction，Refers to a group of like-minded ordinary people together,Joint investment，Appropriate choose and buy plot，Find design company design、Looking for building construction company，The nonprofit way

　　一起建自己的房子，然后自己验收入住的一种民间合作形式。

Built his own house together，Then his acceptance check in a kind of folk form of cooperation。

　　合资建房一般由发起人提供项目方案（成本价住宅可行性研究），参与者一起完善，认可项目方案的人一起合作，先验资，钱存到同一个银行自己的账户里，每

Build a joint venture by the sponsors provide general project（House cost price feasibility study），Participants improve together，Recognition of the project with people of cooperation，First capital verification，Money to the same bank account，each

　　个人在自愿前提下，签署合同，参加合作。有目标地块可以购买时，建立监管账户，如果没买到地，大家的钱，银行直接从共管账户全额归还。买到地以后，共同成立房地产开发公司，请专业金融机构管钱，专业机构建设，每月开会公示账目，大家共同审核。盖好以后，各自取得商品房产权，共有各种收益。

People in voluntary premise，Sign the contract，Attend cooperative。Targeted plot may purchase，To build superintendency account，If you don't buy，All of the money，Bank account directly from farmers full returned。To buy after，Jointly set up real estate development company，Please professional money managers financial institutions，Professional organization construction，Monthly meeting public accounts，Everyone to audit。Cover later，Their respective get the property rights，There were all kinds of income。