However, four years later, although there is no latest national statistical data, according to media reports, the loan utilization rate of the headquarters of Jinan Provident Fund Management Center is close to 90%, exceeding the national average utilization rate of 65%. If it is not controlled in time, there will be no money for Jinan provident fund. At the same time, in some cities in the south, when people with high deposits and long deposit periods use provident fund loans to buy houses, they even have to wait in line to shake the number, or even have no money to borrow. The reason is that there is no money to put away because of the surge in loans in the provident fund center-more people buy houses, house prices have risen, loans have increased, and the provident fund is not enough.
Get something for nothing Housing provident fund is under the banner of "welfare", but whether it is the housing provident fund management center or the system designer, the government's money does not fall from the sky, it is the hard-earned money of office workers such as you and me. As for the so-called housing provident fund, to put it bluntly, it is actually that the government forces office workers and companies to save regularly and queue up to use everyone's money for loans in order. It is reported that the average deposit of 35 people in Jinan can meet the loan of 500 thousand for one person. Then as far as the national situation is concerned, the situation is estimated to be similar. It is a game of "passing the package"-qualified people buy houses with the money of unqualified people first, and pass them on one by one until they can't make ends meet and the system goes bankrupt.
This time, the CSRC studied the housing provident fund entering the market. Some people interpret it as management trying to save the market, while others interpret it as increasing the proportion of institutional investors in the stock market. In my opinion, in addition to the calculation by the CSRC itself, it is also likely that there is a great pressure to "preserve and increase the value" of the housing provident fund, because according to the Regulations on the Administration of Housing Provident Fund, the housing provident fund realizes value-added income by issuing individual housing loans, national debt investment and bank deposits, and its value-added income in 2008 was 170 100 billion yuan, with a yield of 65,438.
No wonder the housing provident fund has to enter the market, because it is necessary to rob shareholders of money to fill potential holes.
Welfare or robbery?
I think it may be difficult for many people to accept that the housing provident fund is a scam, because on the surface, it is so good to pay part of the housing provident fund by yourself and part by the company. The low loan interest rate can help you buy a house early. It's welfare If there is no housing provident fund, wouldn't it be a lot less money? Thanks!
Yes, welfare is a beautiful word, but the problem is that every welfare provided by the government carries our money! The provident fund was originally yours, but the government just took it from you by force. Why? You know, your salary level is determined by market supply and demand. Originally, your market salary was 5000 yuan, but after the government imposed four insurances and one gold, you only got 4000 yuan, but the human capital expenditure of the enterprise on you was still 5000 yuan. The market equilibrium price has not changed, but has been taken away by the government. Without government intervention, you got 5000 yuan. The government has no energy to force enterprises to give you more money. If it is forced, then the enterprise will either recruit fewer people and reduce employment opportunities, or simply spend too much money and close down.
What makes diaosi feel wronged is that the housing provident fund was originally our money, but it was forcibly entrusted by the government. When Diaosi needs to buy a house, there are all kinds of extremely complicated procedures-according to local rules, some need real estate mortgage, two guarantors of provident fund, and so on. When they want to leave, they need all kinds of begging for grandpa to tell grandma, which is simply an obvious default gesture. Even so, the deposit interest rate of individual housing provident fund is only 0.40%, while the bank's three-month fixed deposit interest rate is 2.6%. It is really better to deposit the same sum of money in the "Housing Provident Fund Management Center".
Moreover, people's "housing provident fund management center" is a public institution, and the staff are all uncles. The data of the website is still in 2008, and even the account is not opened. Do you believe they will manage the money? What's more, people's annual "business expenses" are as high as 28.346 billion yuan-that's all your hard-earned money! I don't know if our money can be used on ourselves, but what is certain is that we will spend more than 20 billion to support public servants first. Let's take a look at Gansu's 20 10 use of housing provident fund and other 4 billion illegal funds. I can't help but sigh that our office workers have been cheated again, and the hard-earned money has either been "fed to the dog" or thrown into the stock market casino without our consent.
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