In August 13 (Zhang Yunan), the housing provident fund policies in Zhengzhou, Shenzhen, Foshan, Shanghai and Chengdu have room for adjustment, and many places have obviously tightened.
During the year, 20 rooms introduced a new provident fund policy.
The reporter from Zhongxin Jingwei found that since 20021,Beijing, Guangzhou, Zhengzhou, Shenzhen, Foshan, Shanghai and Chengdu have issued new policies on provident fund, stipulating the withdrawal amount of provident fund, loan application conditions and loan amount, which has been significantly tightened in many places.
For example, on March 3 1 day, Foshan Housing Provident Fund Management Center of Guangdong Province issued the Notice on Adjusting the Housing Provident Fund Mortgage Loan Policy of Our City. The biggest change is that the maximum personal loan amount has been reduced from 500,000 to 300,000, that is, couples can only borrow 600,000 at most.
As for the reasons for adjusting the housing provident fund policy, it is mentioned in the above policy interpretation that from 20 17 to 2020, the inflow of housing provident fund deposit and loan principal recovery increased steadily, but the demand for employees' housing provident fund has been at a high level, resulting in insufficient liquidity of housing provident fund funds in Foshan. Although the loan has been issued in place, the problem of increasing the loan fund gap has not been solved. In order to prevent the liquidity risk of funds, the Measures of Foshan Municipality on Housing Provident Fund Mortgage Loan was revised.
Less than a month later, on April 20th, Foshan issued the Notice on Adjusting the Method of Paying Rent by Paying Employee Housing Provident Fund (Draft for Comment), aiming at tightening the withdrawal amount of housing provident fund.
On June 9, Hainan Provincial Housing Provident Fund Administration issued the Notice on Relevant Matters Concerning the Implementation of "Deposit-loan Linkage" Management of Housing Provident Fund Personal Housing Loans. The "deposit-loan linkage" management mechanism is mainly to implement the relevant requirements put forward by the relevant state departments that "the actual loan amount of employees should consider the deposit balance of their individual housing provident fund accounts, and should not be higher than a certain multiple of the deposit balance of borrowers (including * * * the same borrowers)". It has an inhibitory effect on "scraping loans" with low deposits and high loans and speculative hedging with high deposits.
Li, chief researcher of Guangdong Housing Policy Research Center, believes that Hainan has its particularity. First, Hainan has repeatedly stressed that it does not rely on real estate, and the pressure of regulation is great; Second, since the release of the free trade port policy, the population agglomeration effect has been obvious, and the number of new citizens has increased significantly. However, because the new citizens' provident fund has always been paid in small amounts, the contribution rate to the provincial provident fund is low, which leads to the increase in the amount of provident fund lending greater than the amount of collection. It is necessary to give an early warning.
In addition, Zhengzhou Housing Provident Fund Management Center issued the Notice on Adjusting the Use Policy of Housing Provident Fund in July, and employees who have paid less than 1 year will not be able to apply for housing provident fund loans; When examining and approving housing provident fund loans, the monthly repayment amount of housing provident fund loans calculated according to the longest repayment period and the selected repayment method shall not exceed 50% of the family's monthly income, and not exceed 60% of the family's monthly income before.
Yan Yuejin mentioned in an interview with Zhongxin Jingwei reporter that at present, tightening is a general trend. From the perspective of the regulatory authorities, there are not many policies that directly target the provident fund, and more are the active adjustment practices of the provident fund centers around the country.
Two sets of housing provident fund loans have also been tightened.
Taking the second suite as an example, on April 29th, Nantong Housing Provident Fund Management Center of Jiangsu Province issued the Notice on Adjusting the Loan Amount of the Second Housing Provident Fund, which mentioned that the loan amount of the second housing provident fund was adjusted according to 50% of the original standard, and the maximum loan amount was 200,000 yuan/person.
At the beginning of August, the website of the Housing Provident Fund Center of Inner Mongolia Autonomous Region issued an announcement that the loan interest rate for the paid employees who bought the second family housing was 1. 1 times of the individual housing loan interest rate of the housing provident fund.
On August 1 1, the Guizhou Provincial Housing Fund Management Center issued a notice that the minimum down payment ratio of the second-home provident fund loan is not less than 40%, and the loan interest rate is 1. 1 times the interest rate of the first housing provident fund personal housing loan in the same period.
Yan Yuejin believes that the policy of tightening provident fund is directly related to the tight amount of provident fund. "Associated with the performance of the real estate market in the last two years, the demand for buying houses has increased significantly, which will also make the provident fund slightly overdrawn. So it is similar to a commercial bank loan. Tightening will mainly' cut the knife' for the second set of housing and have an impact on improving the purchase of houses. "
It should be mentioned that Luoyang, Hebi, Guiyang and other places have started early warning of housing provident fund liquidity risk this year.
Yan Yuejin said that similar policies showed that there were too many loans to the provident fund in the past, which led to pressure on the loanable amount of the provident fund. Through such control, some property buyers, especially second-time home buyers, are bound to prevent the disorderly issuance of provident fund loans. From the perspective of the real estate market, it helps to promote the rational purchase of houses by buyers and curb the demand for real estate speculation. For those who just need to buy a house, the relevant policies have little impact.
Support the development of the rental market.
The reporter from Zhongxin Jingwei found that some areas adjusted and improved the housing accumulation fund, improved the lease withdrawal policy, increased the monthly withdrawal limit of the market rental housing, and actively supported the development of the rental market.
For example, on February 2nd, the website of Zhengzhou Housing Security and Real Estate Administration issued the Notice on Increasing the Withdrawal Amount of Housing Provident Fund for Leased Housing, saying that the withdrawal amount of housing provident fund for tenants is allowed to increase by 30% on the existing basis.
Tianjin stipulates that employees without housing and provident fund loans can rent houses. Tianjin proposes that employees who have paid the housing provident fund in full for three months in a row, if they and their spouses have no own houses or rented houses in Tianjin, can withdraw the housing provident fund of both husband and wife to pay the rent, but they are required not to have outstanding personal housing provident fund loans.
On August 5th, Shanghai Provident Fund Management Center made it clear that according to Shanghai's relevant policies and regulations on the access conditions of public rental housing and low-rent housing, employees renting public rental housing and low-rent housing can withdraw the housing provident fund in full according to the actual rental expenditure, and there is no withdrawal limit. In addition, if the employee's rental housing that meets the relevant conditions does not belong to the scope of online signing, the maximum monthly withdrawal limit for each household will be raised from 2,000 yuan to 2,500 yuan from August 6 this year.
Yan Yuejin believes that to alleviate the pressure of austerity, what can be done now is to limit loans. However, in the future, it is still necessary to increase the payment of provident fund and enlarge the fund pool as much as possible. In particular, renting a house can use provident fund and other policies, which objectively makes the "expenditure" of provident fund greater, and it is necessary to solve the relationship between the deposit and use of provident fund. (Zhongxin Jingwei APP)