Due to the shortage of funds, the utilization rate of provident fund loans is relatively high, and it is generally impossible to handle the transfer business. When can I start this business again? The staff of Fuzhou Housing Provident Fund Management Center said that when the utilization rate of the provident fund falls below 90%, the related business will resume.
For people who buy a house, how long does it take to apply for a provident fund loan? The staff of Hefei Housing Provident Fund Management Center said that from the local situation, the waiting time may be as long as half a year.
It can be seen that the suspension of business from commercial to public is directly related to the high utilization rate of provident fund. The data shows that the utilization rate of provident fund in some second-tier cities is very high. The utilization rate of housing provident fund loans in Fuzhou reached Xiamen or even higher, while Nanchang reached 1 17% at the end of June this year, a record high.
Therefore, tightening provident fund loans has become an inevitable choice. While suspending the business of transferring business from commercial to public, some places also stipulate that when the provident fund loan is below a certain standard, the business of transferring business from commercial to public will be restarted. Many places set this restart standard in the range of 85% to 90%.
Apart from the shortage of provident fund, is there a deeper consideration for suspending the transfer of business from commercial enterprises to public enterprises? Yang Hongxu, vice president of Shanghai Yiju Real Estate Research Institute, believes that the real estate market in second-tier cities has grown substantially, and the enthusiasm of provident fund management centers to provide loans is not high. Commercial loans to provident fund loans need subsidies, which is one of the reasons why the provident fund management center is unwilling to do so. In addition, it is also an important aspect for second-tier cities to adjust their real estate policies through mortgages.
April statistics just released by the National Bureau of Statistics show that both real estate development and sales data have improved. Looking up the previous data, we can find that in the past year, the real estate development has gone out of a standard V-shaped situation. Second-tier cities have also become important resources that housing enterprises take seriously.
According to the data of survey institutions, in April this year, second-tier cities sold 24.22 million square meters of business land, an increase from the previous month, and the land transfer fee was as high as 1 100 million yuan, an increase from the same period last year, which is enough to show the popularity of the property market in second-tier cities.
Then, will tightening provident fund loans and suspending the business of "business to public" bring a cold wave to the newly heated real estate market in second-tier cities? Yang Hongxu, vice president of Shanghai Yiju Real Estate Research Institute, thinks that this situation is unlikely to happen, and the provident fund policy is only one aspect that affects the property market policy. There are many other reasons that will affect the real estate market.
However, the immediate problem faced by most needy families is what to do when buying a house. If the provident fund is getting tighter and tighter, it is obviously not conducive to everyone buying a house; To put it another way, the persistence of this situation will also affect the development of the industry. In Yang Hongxu's view, housing loan discount and loan interest tax relief should be the main measures to be considered in the future.