共有产权房政策到期：交易机制缺失困扰业主

北京共有产权房业主赵雯雯购买的房本已满五年，按照2017年北京《共有产权住房管理暂行办法》的规定应当可以进行交易，但由于交易平台和具体细则迟迟未能推出，她目前无法完成产权转让或换房的计划1。赵雯雯在2018年以2.1万元每平方米的价格购入这套共有产权房，并申请了九十多万元的贷款1。

随着共有产权房政策在全国范围内的推广，这一问题已演变为普遍困境。截至2022年，全国已有超过20个城市出台共有产权房政策1。这些城市的业主们在房本满五年后同样面临类似困境——缺乏明确的交易机制和平台支持。部分业主甚至被迫采取离婚等变通方式来规避交易限制1。

Beijing shared ownership housing owner Zhao Wenwen's property certificate has now been held for five years, which according to policy should qualify the property for trading 1. However, the trading platform and detailed rules have yet to be released, leaving her unable to complete the property transfer or exchange 1.

Zhao purchased her shared ownership property in 2018 at 21,000 yuan per square meter with a mortgage of over 900,000 yuan 1. The 2017 Beijing Shared Ownership Housing Management Interim Measures specified that properties could be traded after five years of ownership 1. When the project opened, approximately 1.5 million households passed the eligibility review, yet only 2,328 units were available 1. As of 2022, more than twenty cities nationwide had introduced shared ownership housing policies 1.

With many owners now reaching the five-year threshold, the absence of trading rules and platforms has created a bottleneck for those seeking to exit their investments. Some owners have reportedly resorted to unconventional measures, including divorce, to circumvent restrictions 1.