Housing enterprises "don't want to see" provident fund loans make buyers feel guilty.
Mr. Liu, a citizen, recently wanted to buy an improved house with a provident fund loan. After running around the market, he became suspicious. Many properties have made it clear that they do not support provident fund loans.
"The country is not to encourage the use of provident fund? Some salespeople will say that you must apply for commercial loans first, and then consider converting commercial loans into provident fund loans later. What is the reason? "
Through the 12345 government through train, the reporter learned that according to the relevant regulations of Hefei housing provident fund loan, the main structure of multi-storey residential buildings needs to be capped, and the image progress of high-rise residential buildings needs to reach 2/3. Real estate development enterprises can normally declare the relevant audit materials of provident fund loans according to regulations. After the project schedule and other conditions meet the relevant regulations and a mortgage cooperation agreement is signed, the purchaser can apply for a housing provident fund loan.
Insiders pointed out that according to the existing regulations, for some housing enterprises, the speed of withdrawing funds is slow, because now the building is sold out in less than 2/3 floors, which leads some developers to choose commercial loans.
"Hefei's property market has grown rapidly recently, and the number of mortgage applications is too large. It takes time for the management center to issue loans wholesale in the order of approval, which leads some consumers to wait in line to buy a house. "
This year, the personal loan rate should be maintained at a high level of 90%.
In order to make full use of the housing provident fund and give full play to its positive role in supporting housing consumption and improving people's livelihood, the Provincial Housing and Construction Department recently issued a notice requesting that the personal loan rate of the housing provident fund in the province should be kept at a high level of 90% this year. The high personal loan rate means that the provident fund cannot be idle. At the same time, in order to solve the capital risk, we can expand the source of loan funds by issuing combined loans from commercial banks and housing provident funds, implementing discount loans from bus companies, and securitization of credit assets to meet the loan needs of employees.
Judging from the implementation in Xiamen, Guangzhou and other places, the discount of provident fund loans is still rare. At present, the principle of "pay first and then paste" is followed.
Loans from public companies will not increase the repayment pressure of loan workers. During the repayment of loans from public companies, the interest difference arising from the loan interest rate of commercial houses being higher than the provident fund loan interest rate shall be subsidized by the provident fund center on a monthly basis.
"It is equivalent to the government's monthly interest subsidy, which relieves the pressure of provident fund lending." Insiders pointed out that for property buyers, if they can apply for loan concessions in the future, they can enjoy the low interest rate of the provident fund and lend faster. This policy is especially suitable for commercial and provident fund portfolio loans.
200,000 new housing provident fund accounts were added.
According to the new regulations, the province's provident fund use target this year is to increase 47 billion yuan, open 200,000 new housing provident fund accounts, and control the individual housing loans overdue rate of housing provident fund below one thousandth.
At the same time, Anhui will also promote the construction of a comprehensive service platform for housing provident fund, sort out and integrate the existing information systems, speed up the system transformation and upgrading, make full use of big data, cloud computing, the Internet and other information means, apply Internet and mobile communication technologies such as online business hall self-service terminals, mobile phone clients, official WeChat, Weibo, etc., give full play to the leading role of the comprehensive service platform in various businesses of housing provident fund, and build a new "internet plus" housing provident fund management model.
In addition, the municipal housing provident fund information disclosure will be completed by the end of March, and the provincial housing provident fund information disclosure will be completed by the end of April. It is necessary to ensure that the information disclosed is true, accurate, complete and timely, and it is not allowed to disclose personal privacy information.