To Define the Housing Security Object on Housing Affordability
针对中国住房保障对象从中等收入转向低收入家庭后出现的界定难题，本文构建了基于家庭住房支出与月还款能力的可负担性模型，利用统计数据计算不同收入水平的住房可负担性，从消费者角度重新定义住房保障对象。
In China,the Housing Security Object has evolved from the middle-income families to low-income families. However,the various understandings of the low-incomehas 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.