德国住房租赁制度及其对我国住房租赁市场培育的启示

Yang Wang
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摘要

德国租赁住房市场成熟,制度完善。租金依靠市场机制,由反映区域租金水平的“租镜”设定,并围绕“租镜”严格按照法律法规控制租金涨幅。本着租客与业主双赢的原则,租金规例明确而具体地订明“合约期限”、“租客迁离的正当理由”、“迁离通知规定”、“按金规定”等细节。“户籍制度”、“金融制度”、“社会住房制度”等相关制度,保障了租户和私人户主的平等权利,使租房和买房各有优势。德国租赁制度的借鉴对中国住房租赁市场的发展具有重要的借鉴意义。以租售平衡为目标,首先是将家庭私有产权与户籍、社会福利脱钩,使租赁住房和购买住房的居住权平等;其次,创造租金调控工具,稳定租金上涨和租金回报,促进金融机构从租赁行业获取信贷资金利润;第三,为了完善租赁行业的管理,应完善相关法律法规。关键词: 德国;住房租赁制度;租金控制;租购同权;租售均衡
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German Housing Rental System and Its Enlightenment to the Cultivation of Housing Rental Market in China
The German rental housing market is mature and with perfect systems. Relying on market mechanism, the rent is set by “Rent Mirror” which can reflect the regional rents level, and the rent increases is strictly controlled according to laws and regulations around “Rent Mirror”. Based on winwin situation for both tenant and landlord, rental regulations are stipulated clearly and specifically to details on “duration of contracts”, “justified reasons for tenant eviction”, “eviction notification requirements”, “deposit requirements”, etc. The related systems such as “household registration”, “finance systems”, and “social housing systems”, ensure the rights of tenants and private householders equally, make renting and purchasing a house have their respective advantages. The learning from German rental systems is valuable to the development of Chinese housing rental market. Aiming for balance between rent and sale, the first step is to decouple private household property rights from household registration and social welfare, and make equal rights for living in rental or purchased home; secondly, rent control tools should be created to stabilize the rent increases and the rental return, and to promote financial institutions obtain credit funds profit from rental sector; thirdly, in order to refine the management of rental sector, related laws and regulations should be improved. 关键词: 德国;住房租赁制度;租金控制;租购同权;租售均衡
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