House prices are ridiculously high For our property buyers, some of them didn't expect to buy a house in full, so they can only borrow money to buy a house. After buying a house, they will repay the bank loan every month. Then the "silver" used for living consumption will be less and less, and the quality of life will be greatly reduced. If the house price can be lowered by one grade, it will save the "silver" of buying a house and increase the number of people who buy a house in full. However, house prices did not run in the direction we imagined, and there was no hope of a decline in house prices. Our bottom consumers can only buy houses with low-interest housing provident fund loans. Many units pay a high amount in the housing provident fund, and the corresponding base will be high. Therefore, the housing provident fund is a good assistant for us to buy a house.

Does the existence of provident fund make sense?

Most of our housing accumulation fund is beneficial to us to buy a house, or to our common people. However, the existence of housing provident fund has also lost the interests of some people. Dong Mingzhu and Huang even pointed to the housing provident fund one after another, arguing that it was not necessary at all and might as well cancel it. Dong Mingzhu mentioned in an interview in May this year that the housing accumulation fund is totally meaningless to us. As our company allocates housing for employees, the role of housing provident fund can be ignored. At the same time, the cancellation of housing provident fund can reduce some costs for enterprises, which is a burden reduction for enterprises in disguise. Huang Fanqi agreed with Dong Mingzhu. In his view, the housing market has been marketized, and commercial banks have gradually become providers of housing loans. Under this trend, it is suggested to cancel the housing provident fund to reduce some costs for enterprises.

The boss who cancels the provident fund benefits the most.

If analyzed from the enterprise's point of view, there is nothing wrong with Dong Mingzhu's and Huang's views, and they may even reduce the burden on enterprises, but they lack the mass base. The pursuit of business owners is nothing more than the maximization of interests. Although enterprises that cancel the housing provident fund will reduce the burden, employees who buy houses with loans will suffer, and buying houses with loans will "change". According to the logic of Dong Mingzhu and Huang, after the housing provident fund is abolished, the property market may "change the weather". Because there is only one way to choose, it is roughly estimated that according to the loan 1 10,000 yuan, the loan 10 may have to pay more 1 10,000 yuan a year, but will the extra money after the enterprise personnel do not pay the housing provident fund outperform the increase in bank interest rates?

Official voice of housing market

The housing market is officially voiced, and 654.38+0.5 billion people will benefit. How many people actually pay the housing provident fund in China? According to relevant statistics, last year, the housing accumulation fund for employees totaled about 230 million yuan, only 65.438+0.5 billion people actually paid, and another 56 million people withdrew about 654.38+0.6 trillion yuan from the housing accumulation fund. Why do only 654.38+0.5 billion people in China pay housing provident fund? The answer is obvious. Housing accumulation fund is different from compulsory social security. The housing accumulation fund is paid by the business owner independently for the company. From the company's point of view, not paying the money will save the company's cost.

What we need is a perfect system, not a cancellation.

The Ministry of Housing and Urban-Rural Development once said that buying a house is almost everyone's top priority. Housing accumulation fund must be retained, but at the same time its disadvantages must be eliminated. The housing accumulation fund system will be continuously improved, and then it may be applied to old-fashioned and rented housing. This year, the property market has also improved the housing provident fund system, expanded coverage, eliminated disadvantages and improved supervision. At the same time, it will be further integrated with the lease of old houses, so the provident fund is likely to be required to pay like social security in the future. According to the analysis of relevant data, Sanya, Chongqing, Shijiazhuang, Guangzhou and other cities have all raised the basic amount of housing provident fund. At present, about 65.438+0.5 billion employees pay the leading housing provident fund. If the basic amount is increased, it means that more low-interest loans will be applied for and the amount can be withdrawn. In disguise, the money bags of these 65.438+0.5 billion people are bulging.

Bian Xiao believes that/kloc-0.50 billion employees are paying the housing provident fund, and some cities have increased the basic quota, indicating that the housing provident fund will not be cancelled as Dong Mingzhu and Huang said. If it is cancelled, there will be more variables for those who just need to buy a house. After all, it will be converted into commercial loans with higher interest rates. The housing market is also showing that it will not cancel the housing provident fund, but gradually cancel its drawbacks. After all, only business owners want to cancel the housing provident fund, because it will give.