in recent years, various provinces and cities have gradually incorporated the personal housing loan information of provident fund into the credit information system.
On June 22nd, Shaanxi Housing Fund Management Center issued a notice, and from July 8th, the personal housing provident fund loan information of Shaanxi Housing Fund Management Center will be included in the credit information system of China People's Bank. In addition, several provinces and cities have begun to formally submit data to the credit information system. The Xi 'an Housing Provident Fund Management Center announced that since September 14th, the personal housing loan information of provident fund has been included in the central bank's credit information system. Dalian personal housing provident fund loan information has been included in the central bank's credit information system since March this year.
provident fund loans are connected to the second-generation credit reporting
In January p>22, the credit reporting center of the People's Bank of China started the work of switching the second-generation credit reporting system to provide the public and financial institutions with the second-generation format credit report inquiry service. Subsequently, with bank loans and other second-generation credit information switching, the provident fund loans managed by housing provident fund management centers in various places have also been connected to personal credit information.
On June 22nd, Shaanxi Housing Fund Management Center issued a notice, and from July 8th, the personal housing provident fund loan information of Shaanxi Housing Fund Management Center will be included in the credit information system of China People's Bank.
the center informed that for borrowers and their spouses who have signed the housing provident fund to repay the loan, the deduction order of the provident fund loan is: borrower's provident fund account, borrower's spouse's provident fund account and loan repayment account. Among them, the provident fund account of the borrower and spouse must keep 3 times of the latest monthly deposit, which cannot be used for loan deduction; The borrower shall ensure that the loan repayment account is in a normal state. If there is no transaction record in the loan repayment account within 6 months from the date of opening the account, the bank will suspend its off-counter business, which will lead to the inability to deduct the loan.
On June 25th, the Housing Provident Fund Management Center of Yan 'an City, Shaanxi Province announced that the city's credit data was successfully connected to the second-generation credit information system of the People's Bank of China on the 17th and the first data report was completed, making it the first non-financial institution to connect the credit data to the second-generation credit information system of the People's Bank of China.
As for the reasons for accessing the second-generation credit information, it indicates that with the rapid growth and development of the housing provident fund industry, urban provident funds in various districts have established business operation modes similar to those of commercial banks. However, due to the institutional mechanism, in the post-loan management, there is a lack of credit punishment means for credit default possessed by financial institutions. In recent years, with the expansion of the credit scale of housing provident fund, in order to effectively curb the increase of overdue credit rate and ensure the safety of funds, the national provident fund industry has attached great importance to the access of the second-generation credit information system at a strategic height, but it is full of difficulties and difficulties. It is understood that up to now, the data of about 1 provident fund management centers in China are still waiting in line for access.
"The central bank's credit data access standard is strict, and there must be a dedicated line, which is expensive." A person from a local financial institution said.
At the end of p>219, there were 341 housing provident fund management centers in * * * nationwide, with the deposit of housing provident fund of 2,37.967 billion yuan, the withdrawal of 1,628.178 billion yuan and the issuance of individual housing loans of 1,213.96 billion yuan.
in addition, many provinces and cities have started to formally submit data to the credit information system, so as to display the information of citizens' provident fund loans in personal credit reports. In September, 22, Xi 'an Housing Provident Fund Management Center issued the Notice on Incorporating Housing Provident Fund Personal Housing Loan Information into the Credit Information System of China People's Bank. Since September 14th, 221, Xi 'an Housing Provident Fund Personal Housing Loan Information has been incorporated into the Credit Information System of China People's Bank. From March 1, 221, the loan information of individual housing provident fund in Dalian was included in the credit information system of the People's Bank of China.
Fill in the short board of credit reporting, and there is nothing to hide.
After the provident fund loan information is entered into the credit reporting, employees can use commercial loans to buy houses again, and banks can judge the number of loans according to the credit reporting. Breach of trust such as overdue repayment will also be truthfully recorded in the credit report, and personal credit report is called "economic identity card", which is one of the basis for financial institutions to judge personal credit situation. Generally speaking, when financial institutions review loan applications, they will be more cautious when issuing loans to applicants with multiple overdue records in their credit reports.
Therefore, the crediting of provident fund loans has obvious effect on improving the lender's awareness of timely repayment and preventing overdue risks. Taking Changzhou, Jiangsu Province as an example, the data shows that after the loan information of Changzhou Provident Fund was entered into the credit information on September 1, 218, in October of that year, there were only nine households in loans overdue with housing provident fund for the third phase or above in the city, with a decrease of 53% from the previous month, which was 4% lower than the average monthly overdue households from January to August, and the monthly overdue rate reached an all-time low.
in January, 22, the central bank upgraded its credit information system, and the second-generation credit information report was officially opened for inquiry. The new credit information report enriched the basic information and credit information content, improved the information display form, improved the information updating efficiency, and made the dishonesty more obvious.
This upgrade includes: the time of bad credit record is extended, and the loan record will be kept for 5 years; Borrowing flow will be a new item, and the new credit report will record the borrowing time, repayment time and repayment amount of each loan; Both husband and wife will appear as * * * the same lender, and use the credit report to report the loan of one husband and wife, and the other party will not have the debt loophole, and the "fake divorce" buying a house will be banned.
The housing provident fund management centers in various provinces and cities have also started upgrading. In November 22, Xinjiang housing provident fund data was connected to the second-generation credit information system; In June this year, the data of Yan 'an Housing Provident Fund Management Center was successfully connected to the second-generation credit information system; Qingdao is expected to complete the data switching and reporting of housing provident fund in the second-generation credit information system within this year.
The provident fund loan policy is shrinking
As a policy low-interest loan, provident fund personal housing loan has always been the first choice for employees to buy houses because of its low down payment ratio and low loan interest rate.
However, recently, the personal loan rate of provident funds in Nantong, Hefei, Wuxi and Suzhou has exceeded 95%, and the liquidity is seriously insufficient, and the provident fund loan policy has been tightened.
On June 9, Hainan Provincial Housing Provident Fund Administration issued the Notice on Relevant Matters Concerning the Implementation of the "Deposit-loan Linkage" Management of Housing Provident Fund Personal Housing Loans. Since June 1, 22, Hainan Provincial Housing Provident Fund Personal Housing Loans have implemented the "Deposit-loan Linkage" management mechanism. The new mechanism requires that the actual loan amount of paid employees be verified by their deposit balance, deposit years and monthly deposit. According to the latest calculation formula, the threshold for provident fund loans has been greatly improved.
In April, Guiyang Housing Provident Fund Management Center issued a notice, and decided to implement three-level response measures to the liquidity risk of housing provident fund, adjust the calculation formula of loan amount, raise the threshold for the second set of housing provident fund loans, and suspend the acceptance of loans from different places. A new round of provident fund policy adjustment is coming across the country.
However, on June 18th, Shenzhen Housing Provident Fund Management Center organized 1 banks entrusted with housing provident fund loans to hold the signing ceremony of self-discipline declaration on housing provident fund loan business. Ten banks promised to actively guide real estate development enterprises to support the paid employees to buy first-hand housing provident fund loans, and not to provide commercial loans to development enterprises that restrict, obstruct or refuse to pay employees' reasonable use of housing provident fund loans. According to the relevant person in charge of Shenzhen Provident Fund Center, as of May 31, 221, 329,6 housing provident fund loans have been issued in Shenzhen, with a loan amount of 26.8 billion yuan and a housing area of 26.6 million square meters. Among them, 5, new commercial housing loans were issued, with a loan amount of 3.4 billion yuan.