资金何来？ 基本靠银行贷款

Money no？ Basic depend to a bank loan

　　杭州、深圳等国内城市，已经出现房地产开发商建设，政府出钱购买用于保障房之需的先例。一般来说，政府对与开发商所建房屋按照建设成本价进行购买，购买中需支付总造价3%的管理费，昆明市保障性住房的政府购买也是如此。昆明保障性住房中代建费的比例，由于国家政策没有此方面规定，经双方谈判决定，尚属于商业机密，记者不得而知。

hangzhou、Shenzhen and other cities in China，There have been real estate developers construction，The government pays money to buy used for security room need precedent。Generally speaking，The government and developers have built to house according to the construction cost price to purchase，Purchase pay total cost 3% management fee，Kunming government purchase of affordable housing also is such。Kunming affordable housing in the proportion of the construction-agent charge，The national policy not the regulations，The negotiations between the two sides decided to，Still belong to commercial secrets，The reporter is。

　　周志明说，公司购买与自己建设保障性住房都是公司负责筹措资金，按照市场化原则自负盈亏，但目的是为了建设（筹集）更多的保障性住房，以缓解中低收入人群住房压力。

ZhouZhi testified，A company to buy and their affordable housing construction is the company responsible for raising money，According to the principle of market their own profits and losses，But the purpose is to construction（raise）More affordable housing，In order to relieve pressure in low income housing。

　　去年，昆明市实际统建的保障性住房有28229套及今年的建设项目，基本是靠银行贷款。但商业开始经营后，造血功能形成后，融资的渠道和方式也会发生变化。现在已经产生银行租赁担保公司合作，可采取融资租赁的方式进行购买。所谓融资租赁，就是信贷的规模有限，通过把产权抵押给银行，再从银行贷款。

Last year，Kunming TongJian actual 28229 sets of affordable housing and construction project this year，Basic is to rely on bank loans。But business started after operation，Hematopoiesis function after formation，Financing channels and ways will also be changing。Now has generated bank lease guarantee cooperation，Can take a financing lease way to purchase。The so-called financing lease，The scale of the credit is limited，Through the property mortgaged to the bank，Again from bank loans。

　　周志明说，昆明市公租房公司的定位一方面是代表政府的平台公司，它有财政资金进来和银行政策支持。将来房屋收取的租金是要用来还贷的，商业部分配套设施也会带来盈利，这都成为资金还款来源的重要途径。政府能够从财力方面给资本金，从资源配置上给了很多优惠，把这些优惠变成市场行为。通过租金的收取，配套商业形成盈利，形成稳定资金流，维护信用等级，才有资金、有能力建设更多的保障性住房。

ZhouZhi testified，Kunming and orientation of the company on the rent is the platform for the government，It has come in and financial capital bank policy support。The future of the house was used to collect the rent payments，Business part facilities will bring about profit，This all become capital income source, and important way。The government can give capital from financial resources，From the allocation of resources to the many preferential，Put these preferential into market behavior。Through the collection of the rent，Supporting business formation earnings，To form stable cash flow，Maintain credit rating，Didn't have the funds、Have the ability to build more affordable housing。

　　好处何在？ 短时间把公租房带给民众

What benefits？ The short time and bring people rent

　　周志明说，回购的推广价值在于双赢。在房地产市场低迷的状况下，开发商通过这种方式可以缓解资金压力，实现薄利多销。对昆明市公租房公司来说，房地产项目开发、工程管理、技术控制方面，确实与万科、俊发等大企业有差距。与房地产开发商合作，能够多提供房源。如果完全都靠政府建设，从规划、土地、建设速度等方面来看，在一个时间段无法推出那么多房子。在这样的背景下，可以借助他们的资源，帮助政府加快建设保障房速度，在相对短的时间内把公租房带给民众。

ZhouZhi testified，Its promotion value lies in a win-win situation。In the condition of the housing downturn，Developers through this kind of means can ease the financial pressure，Realize the small profits and quick turnover。Kunming company to rent for male，Real estate project development、Engineering management、Technology control，Do with China vanke、Pretty big company such as hair have difference。And the real estate developers cooperation，To provide more homes。If is entirely by the government, the construction，From planning、land、Construction speed wait for a respect to look，In a time can't launch so many house。In this context，Can use their resources，To help the government to speed up the construction security room speed，In a relatively short period of time and to bring people to rent。

　　在银行政策紧缩的情况下，保障性住房建设必须走多渠道融资之路。购买的保障房项目，一般由公租房公司与开发商提前协商好，按当地实际所需的标准和要求来建设。周志明表示，购买方式增加保障性住房，今年任务已经完成，年内再无计划。接下来三年的此类建设情况，将总结今年的经验，对工期、质量、成本等环节是否达到最优，进行评估，并结合考虑融资以及土地规划的情况。但可以肯定的是，今后这种方式还会有。

In the bank policy tightening，Affordable housing construction must go financing way。Buy guarantee room project，General by male rent company and developers agree, in advance，The actual required by local standards and requirements to construction。ZhouZhiMing said，Increased to purchase affordable housing，This year the task has been finished，Years all again。Over the next three years of such construction，Will summarize the experience of this year，Time to、quality、Cost is to achieve optimal link，evaluation，And into consideration of land planning and financing。But it certainly is，In this way will have。

　　委托房地产商代建，代建过程中又能学习什么？周志明表示，例如万科这样的企业，集中采购比一般公司去采购要低。另一个方面，昆明市保障性住房中没有建设过绿色建筑，自己单独去研究成本很高。万科有这方面经验，可以帮助少走弯路，还能节约时间成本。周志明说，自己带了一个团队，从策划到招投标，到临水临电的安排已经开始学习。今后，安排专员进行对接，陆续有相关工作人员进行对口学习。

Real estate built by shang dynasty，The construction process and can learn??????？ZhouZhiMing said，For example vanke such enterprise，Centralized purchasing than the average company to purchase to low。another，Kunming in affordable housing construction had no green building，Their own separate to research the cost is high。China vanke have the experience，Can help avoid detours，Still can save time cost。ZhouZhi testified，Bring your own a team，From design to the bidding，The water of the electricity to arrange have already started to learn。In the future，Arrange specialist with docking，Has relevant working personnel with learning。

　　如何监管？ 按照公司的项目进行管理

How to regulate？ According to the company's project management

　　周志明说，虽然采用引进企业进行代建绿色星级公租房，有了创新的模式，但昆明市公租房公司作为业主的职责没有丧失，仍有监管职责，昆明购买的项目和委托万科代建的项目都是严格按照国家对保障性住房的管理要求进行的，市级相关部门如昆明市住建局、昆明市质监总站对其工程质量、安全都进行全过程监督，还有后续审计。对工程质量安全进行全过程监管，发生偏差要纠正，严格按照国家标准、昆明市公租房公司对保障性住房项目建设的要求进行管理。

ZhouZhi testified，Although used to introduce the construction enterprise to carry on the green star and rent，With the mode of innovation，But the kunming company as the owner of the male rent lost no responsibilities，There are still supervisory duties，Kunming buy projects and entrust China vanke generation of the projects have been built in strict accordance with the national to affordable housing management requirements，The relevant departments such as kunming live built innings、Kunming on the engineering quality quality supervision station、Safety is total course supervision，And the follow-up audit。The safety of the construction quality supervision process，Produce deviation to correct，In strict accordance with the national standards、Kunming company to rent and affordable housing project construction requirements of management。

　　另据昆明市住房和城乡建设局、昆明市建设工程质量安全监督总站负责人介绍，昆明市住房和城乡建设局、昆明市建设工程质量安全监督总站已经成立了保障性住房工作领导小组、质量安全文明施工督察组，并出台了保障性住房质量安全的管理规定，从行政审批、质量安全监管等方面提供有力保障。

According to a housing and urban and rural construction bureau of kunming、Kunming construction quality safety supervision and station chief introduction，Kunming housing and rural construction bureau、Kunming construction quality safety supervision and station has established affordable housing work leading group、Quality and safety DuChaZu civilized construction，And on the quality and safety of affordable housing management regulations，The administrative examination and approval from、Quality safety supervision provide powerful guarantee。

　　对于质量安全保障措施不完善，以及材料、结构配件质量不过关，存在安全生产隐患等情况，相关部门将坚决予以查处和纠正。并且，将对建设主要用材进行延伸监管，做好保障性住房质量安全管理，对质量问题实行零容忍。

Security measures for quality is not perfect，And material、Structure parts quality doesn't pass，Production safety hidden danger there，Relevant departments will be resolutely and correct investigated。and，In the construction of the main material for will extend regulation，Make affordable housing quality safety management，A zero tolerance for quality problem。