With the flow of population between urban and rural areas and between regions becoming the norm, buying a house in a different place has become the choice of many people who work hard in a foreign land. The provident fund management system, which has always followed the principle of territoriality, has become a difficult problem before them.
However, the reporter noted that in the past year, the progress of promoting the cooperation of provident fund in different places has obviously accelerated, and the "integration" of provident fund is welcoming an accelerated development period.
Experts said that similar "integration" policies have better cooperated with the construction of metropolitan areas around the country. All localities should establish mutual recognition of housing accumulation funds and loan system arrangements according to the positioning of urban agglomerations. Experts also suggested that the future reform of the housing provident fund system should be further tilted towards low-and middle-income people with housing difficulties.
The new trend of "integration" of provident fund in metropolitan areas
165438+1On October 5th, the cooperation of housing provident fund loans in different places in Greater Nanchang Metropolitan Area was officially launched in Nanchang. It is reported that in the future, employees in Jiujiang, Yichun, Fuzhou, Shangrao, Nanchang and other places will be able to handle the loan business in different places in the metropolitan area without going back and forth, saving time and economic costs.
"In the future, mutual recognition and mutual loan of provident funds in different places will become a new trend in the development of housing market in metropolitan areas." Kuang Dawei, director of the Urban and Real Estate Research Center of the National Development Research Institute of Renmin University of China, said.
According to the reporter's incomplete statistics, there are at least seven urban agglomerations in China to carry out "integrated" cooperation in provident fund.
20 19 September, Xuzhou, Huaibei, Suqian, Suzhou, Heze, Jining, Linyi, Lianyungang, Zaozhuang, Shangqiu and other cities in Huaihai Economic Zone 10 signed the housing accumulation fund integration agreement.
20 19 12, Guangdong-Hong Kong-Macao Greater Bay Area Housing Provident Fund Information Sharing Platform was established. Guangzhou, Shenzhen, Jiangmen, Zhuhai, Dongguan, Foshan, Huizhou, Zhongshan and Zhaoqing enjoy the information of provident fund. The cross-regional business of provident fund only needs to be handled at the local window, and there is no need to travel between the two places.
In April this year, Sichuan and Chongqing signed a memorandum of cooperation, clarifying that the two sides will further promote mutual recognition and loan between the two places, and provide basic information guarantee for the cross-regional flow of talents in the two places to deposit and use the provident fund.
In August, the housing and construction departments of Shanghai, Jiangsu, Zhejiang and Anhui provinces and one city signed an agreement in Shanghai. The first batch of practical integration projects include the Yangtze River Delta provident fund loan deposit and use certificate project, and the Yangtze River Delta house purchase abnormality early warning project.
In September, 20 cities in the middle reaches of the Yangtze River, including Wuhan, Changsha, Hefei, Nanchang, Huangshi, Yueyang and Jiujiang, signed the Convention on Cooperation in Housing Provident Fund Management Centers of Urban Agglomerations in the Middle Reaches of the Yangtze River.
In June+10, 5438, the directors of the housing provident fund management centers in Qingdao, Yantai, Weihai, Weifang and Rizhao signed an agreement to formally establish a joint meeting system for the directors of housing provident fund integration and development, and at the same time established seven cooperation contents such as establishing an information sharing mechanism and further promoting mutual recognition and mutual loan.
"Mutual recognition and mutual loan in different places is conducive to giving play to the role of housing provident fund, helping migrant workers to buy homes in their hometowns and promoting economic and social development in their hometowns; It is also conducive to the development of lifestyles in the two cities. " Zhao Xiuchi, vice-president and secretary-general of Beijing Real Estate Law Society and professor of capital university of economics and business, pointed out in an interview that at present, the off-site loans of provident fund are mainly carried out in urban agglomerations or metropolitan areas. This move is conducive to promoting the coordinated development of the metropolitan area, allowing the resources in the circle to be enjoyed, and is also conducive to the flow and development of talents and population in the circle.
The Annual Report of National Housing Provident Fund 20 19 jointly issued by the Ministry of Housing and Urban-Rural Development and other departments in June this year shows that in 20 19, foreign loans 170600 were issued, amounting to 66.672 billion yuan; By the end of 20 19, a total of 872,300 loans were granted in different places, with a balance of 2 10596 million yuan.
It is still more convenient to borrow funds from different places.
But at this stage, many property buyers still have a lot of troubles when applying for provident fund loans in different places.
Recently, a netizen in Henan reported to People's Daily that he could not apply for a loan in a different place because he could not find a qualified guarantor.
"Why is the same off-site provident fund? There can be no guarantor in Luoyang, and there must be a guarantor in Ruzhou. We are all farmers, and we don't know anyone from any institution to guarantee it. So if we can't use the provident fund in other places, what's the point? "
The reporter learned that according to the relevant regulations of Ruzhou City, the guarantor conditions for handling off-site loan business are: the lender needs to provide an employee who has paid the housing provident fund continuously and normally in Ruzhou City. (It is suggested that the lender provide employees who are engaged in teachers, doctors and banks in Ruzhou; Staff and workers of public institutions; Employees of state-owned enterprises such as State Grid Power Supply Company and Tobacco Company serve as guarantors. )
Netizen "Tomorrow 925263" thinks that the provident fund loan needs the system design of the guarantor, which is a very big restriction for people who work outside the home to buy a house. "It seems fair, but in fact only a few people can use it."
The Housing Provident Fund Office of Ruzhou City, Henan Province also stated in its reply that at this stage, all the provident fund centers in different places are self-managed, and the information of employees in different places is not as interconnected as banking business data. Employee's deposit information only depends on the deposit certificate of off-site loan issued by the local provident fund center, employee's deposit information before loan and deposit information after loan, which cannot be effectively monitored, and the repayment period of provident fund loans is long, mostly exceeding 15 years.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that the starting point of such a guarantee system lies in risk prevention. If more obstacles are set up, it will be contrary to the original intention of this policy to facilitate the people. It is still necessary to make it more convenient for the provident fund to borrow in different places.
The situation is good. In terms of mutual recognition and loans of housing provident fund, local governments should have a unified housing policy, population policy, information sharing policy and housing provident fund management system, and improve the efficiency of fund allocation through mutual recognition and loans.
Need to further tilt towards low-and middle-income people
In recent years, the housing provident fund system has operated safely and steadily, the number of employees who have benefited has continued to grow, and the service capacity has been further improved. At the same time, the fairness of housing provident fund and the efficiency of fund operation have also attracted much attention.
It is pointed out that there are two main problems in the development of housing provident fund at present: First, with the development of China's socialist market economy, there is an obvious income gap among regions, industries, units and individuals, and the housing provident fund has aggravated the income gap to a certain extent, making it difficult to solve the housing problem of low-and middle-income people. Second, the housing accumulation fund is obviously local, which can not achieve cross-regional mobility, reducing the efficiency of fund allocation, which is not conducive to cross-regional population mobility and "job-residence" balance.
In May this year, the Opinions of the Central Committee of the State Council on Accelerating the Improvement of the Socialist Market Economic System in the New Era was issued, which mentioned that it is necessary to speed up the establishment of a housing system with multi-subject supply, multi-channel guarantee and simultaneous rent and purchase, and reform the housing provident fund system.
According to the general situation, the reform of housing provident fund system should, on the one hand, strictly control the members, bring low-and middle-income people with housing difficulties into the scope of housing provident fund deposit and subsidy, and truly play its guarantee function; On the other hand, through mutual recognition and loan securitization, the cross-regional flow of housing accumulation fund can be realized, the efficiency of fund allocation can be improved, and the housing problem of low-and middle-income people in areas with capital shortage can be truly solved.
Zhao Xiuchi said that the purpose of the reform is to improve the housing provident fund system and serve the housing needs of ordinary people. It is suggested that while improving the coverage of housing provident fund, the upper limit of housing provident fund withdrawal should be appropriately raised.