Starting from October 8, 215, the loan business of provident fund in different places will be fully implemented, which was explicitly requested by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China at the end of September. How will Shandong Province implement this policy? According to the Housing and Construction Department of Shandong Province and the housing provident fund management centers of various cities, except Linyi and Dezhou, 15 cities in the province have launched the provident fund loan business in different places. However, at present, the scale of liberalization varies from place to place, and it is still difficult to expand the scope.

1 cities require "national deposit, local household registration and local house purchase"

Before the National Day, Cha Shilin, a young man from Juancheng, Heze, who works in a company in Beijing, went to the Construction Bank near his work place and paid back the provident fund loan for that month. After graduating from junior high school, he has been working in Beijing, and his provident fund has been paid by Beijing enterprises. In May 215, Xiao Cha returned to his hometown of Heze and bought a house of more than 4, yuan. He applied to Heze Provident Fund Management Center for a loan of 29, yuan, which was quickly approved. The young man who works in Beijing became the first foreign employee who benefited from Heze's opening of the provident fund loan in different places on May 5.

Like Heze, except Linyi and Dezhou, 15 cities in Shandong Province have launched the provident fund loan business in different places. According to the documents publicly issued by provident fund centers around the country, the scale of liberalization varies from city to city. The conditions for applying for loans in 1 cities including Weihai, Yantai, Zibo and Binzhou are "national deposit, local household registration and local house purchase".

Jinan City and Tai 'an City have a large scale of liberalization. Employees who have paid provident fund outside the province still require Jinan household registration or Tai 'an household registration. However, for employees who have paid in the province, Jinan has liberalized the household registration restrictions since October 15, 215, and Tai 'an City has liberalized it on August 1, 215. Employees who are not registered in this city can also apply for loans in this city.

Qingdao and Rizhao have strict restrictions. In addition to having local household registration, they are also limited to employees who deposit in other cities in "Shandong Province" instead of "nationwide deposit".

The staff of Laiwu Provident Fund Management Center said that on October 8, 215, they just got the relevant documents newly issued by Laiwu, which implemented the guiding opinions of the province. The opinion requirement in the province is to "release the household registration restrictions in the province".

how are the loans from different places in Shandong?

In Jinan, which started off-site loan business in 28, the staff of the Provident Fund Management Center told reporters that the demand is still relatively strong: Jinan has issued off-site provident fund loans of about 2 million yuan, benefiting nearly 1, people. The staff of Qingdao Provident Fund Center told the reporter that since June 1, 215, Qingdao has launched loans from different places. Although there is no exact statistics on the employees who applied for loans, there are not a few employees who work in Qingdao, come to the center to open "no loan certificate" and go to Jining, Zaozhuang, Weihai and Zibo to buy houses.

According to the staff of the Provident Fund Supervision Department of the Housing and Urban-Rural Development Department of Shandong Province, as early as last October, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, in which the loan business in different places was limited to buying a house at the domicile, while the new Notice, which was implemented on October 8, 215, did not mention the domicile, but only the deposit place.

It is worth noting that between these two documents, in August, 215, Shandong Province issued the Guiding Opinions on Improving the Provident Fund Management System and Expanding Housing Consumption, demanding that the restriction on the residence of loans in different places in the province be lifted, that is, employees who purchase self-occupied houses in other cities in the province other than the place of deposit, regardless of whether they are registered locally, can apply for loans from the provident fund center where they live. According to this requirement, the existing policies of many cities also need to be adjusted.

There are still difficulties in the operation level of off-site loans

Although 15 cities in Shandong Province have made it clear that off-site loans can be implemented, there are still some concrete difficulties in the implementation and expansion of off-site loans.

the first is the risk. Employment and deposit are all in other places, and they leave after the loan is paid. What should I do if the loan is not paid? In order to control risks, Jinan, Zaozhuang and other cities have recently required "a local employee to guarantee" loans from different places, and increased the risk reserve ratio from 1% to 2% of the loan balance.

secondly, it is difficult to verify the problem. It will be more difficult to verify the national loan, so it is urgent to build a national networked information transmission and * * * sharing platform. The staff of provident fund centers in various cities in Shandong Province often meet at meetings; Outside the province, it is not enough to simply have a contact person and a contact phone.

a quick and efficient linkage mechanism is also urgently needed. The staff of the Credit Department of Tai 'an Provident Fund Center suggested: "Once the loan is found overdue, the deposit place should be able to take special measures immediately, such as sealing up the balance of its provident fund account, restricting its withdrawal, or transferring the balance to repay the loan and compensating the loan place."

the total amount of funds is also a problem. Provident funds in "hot cities" are already tight. For example, the utilization rate of provident funds in Qingdao has exceeded 95% for several years in a row, and there is almost no money to lend to local employees, let alone employees in different places. In some cities in Shandong province, the utilization rate of provident fund is only 23.4%, and in some enterprises, the utilization rate is only 12.7%, but a large amount of funds are "sleeping" in their accounts.

The staff of the Housing and Construction Department of Shandong Province said that the management system stipulated in China's provident fund regulations is now "localized management", and cities are in charge of cities, even among cities in the province. At present, the use has been released, but the collection has not been released; When the demand is strong, the limited funds must first protect the interests of local workers, which will "get stuck". To achieve "a national chess game", further top-level design is needed.

(The above answer was published on December 13, 216, and the current relevant purchase policy should be based on the actual situation)

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