Insufficient provident fund? ! this is true
Recently, Nanjing, Suzhou, Hefei, Fuzhou and other places announced the situation of provident fund loans for 20 15 years, and the amount of housing provident fund loans in many places was tight.
Let's take a look at Beijing and Shanghai first. According to the 20 15 annual report of the provident funds of the two places, by the end of 20 15, there was almost no working capital available in the remaining fund deposits of the provident funds of the two places. The balance of demand deposits of Beijing Provident Fund is 402 million yuan, while the demand deposits of Shanghai Provident Fund and time deposits within 1 year are even "zero".
Looking at other cities, as of the end of March, the personal loan rate of Nanjing housing provident fund has exceeded 105%. The personal loan rate of Suzhou housing provident fund is around 99%, which is in a tight state. In Fuzhou, as of February 29th this year, the personal loan utilization rate of Fuzhou Housing Provident Fund Management Center has reached 105.23%, and it is expected that the personal loan utilization rate will reach 108% in March.
By the end of 20 15, the city had issued personal housing loans totaling 49.785 billion yuan, up 30.52% year-on-year; The personal housing loan ratio was 105. 15%, an increase of 15.3% year-on-year. Affected by the real estate market, buyers in these areas have a strong demand for housing provident fund loans.
Looking at these data, many people who have plans to buy a house are beginning to worry. For a time, such as "is the provident fund enough?" And "What if I want to buy a house?" Come and go.
What cities are currently trying to find a way?
Some scholars believe that provident funds in various places are obviously stretched, and whether it is related to the recovery of the property market or not, emergency plans should be launched in time when they reach the warning line: on the one hand, the threshold should be raised in time, the quota should be reduced, the loan interest rate should be raised, and the principle of fairness should be put before the principle of efficiency; On the other hand, we should reduce the discretion of the new local provident fund policy and take various measures in time to guide the use of provident fund to the first demand of "buying a house".
For another example, using various methods such as commercial loan discount, we will do a good job of increasing income on the basis of reducing expenditure and ensure that the provident fund "retains loans". Which second-tier cities have taken measures?
Hefei:
It is understood that Hefei Provident Fund Management Center actively adopts the "revolving business" discount loan method without affecting the interests of employees, alleviating the pressure on housing provident fund funds and ensuring the supply of employee loan funds ... Although the employees can rest assured, there is no so-called "empty loan".
Fujian:
The Notice on Adjusting Policies Related to Personal Loan of Housing Provident Fund issued by Fujian Province this year stipulates that when the utilization rate of personal loan of housing provident fund reaches over 90%, all housing provident fund management institutions can borrow from local finance and commercial banks to try out asset securitization financing. On April 15, the business of "transferring commercial loans to provident fund loans" was suspended, and the liquidity allocation of tight funds and risk prevention and control were strengthened.
At present, Fuzhou Housing Provident Fund Management Center has signed financing credit agreements with some undertaking banks through bidding, with a total credit of 2 billion yuan in two years and a planned financing of 654.38+0 billion yuan this year. Now, the first financing of 350 million yuan has been put in place. In addition, Fuzhou Provident Fund Management Center also borrowed 900 million yuan from local finance.
Nanjing:
Nanjing Housing Provident Fund Management Center is also actively taking effective measures.
First, the personal housing provident fund loan is introduced into the commercial discount loan business, that is, the "public transfer business" business. Since mid-September last year, banks under construction, agriculture, China, industry and communications have started this business one after another, and at present, a total of 3.496 billion yuan has been distributed.
The second is to implement the securitization business of housing provident fund loan assets. At the end of October and the beginning of February this year, Industrial Trust and ICBC Credit Suisse were entrusted to raise 500 million yuan (* * * 1 billion yuan) respectively.
In the past, it took 2-3 months to approve all loans of Nanjing Provident Fund, but now it only takes about 1 month (excluding the working hours of the real estate department for transfer and mortgage).
Suzhou:
Since 20 1 5165438+10/0, Suzhou has fully implemented waiting loans and implemented targeted policies for different housing needs. If you apply for a loan to buy a new house, you will wait for 6 months from the date of loan approval. If you apply for a loan for the purchase of a complete set of housing (second-hand housing), you will wait for 2 months from the date when the loan is approved.
In addition, some experts believe that in addition to strengthening the construction of the provident fund system, the establishment of the National Housing Bank is also imminent. Based on the provident fund system, we will integrate the housing provident fund management centers around the country as their "outlets" to provide low-interest housing loans for employees who have paid housing provident fund and increase the housing consumption demand of low-and middle-income families.
At the same time, the accumulation of provident fund in the national housing bank will realize the allocation and flow between regions and solve the contradiction in the use of provident fund between regions. However, the National Housing Bank can not be solved by the reform of the provident fund regulations, but also needs a higher level of top-level design.
(The above answers were published on 2016-04-11. Please refer to the actual situation for the current relevant procurement policies. )
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