On February 1th, Shanghai Housing Provident Fund Management Center released the Operation Analysis Report for 214, which pointed out that Shanghai Housing Provident Fund Management Center will continue to implement differentiated credit policies this year, support reasonable self-occupation and improved housing consumption of households, actively study measures such as increasing the loan amount, and further support low-and middle-income families to purchase houses.
According to the report, the transaction volume of commercial housing in Shanghai decreased in 214. Affected by this, the scale of personal provident fund loans has dropped accordingly. In the whole year, 47.22 billion yuan was distributed to 121,5 households, both of which decreased by 23% year-on-year. However, in 214, the average loan amount of individual provident fund loans reached 39, yuan, which continued to rise.
in the case of a decline in the loan scale, the support of a single loan to the loan family has not diminished. From the end of the third quarter to November, the state continuously adjusted the housing loan policy and lowered the benchmark interest rate of RMB loans. After Shanghai successively adjusted the differentiated credit policy of housing provident fund and the standard of ordinary commercial housing, the average monthly acceptance of individual provident fund loans in November and December increased by 82% compared with that in January-October, and the newly accepted average loan amount increased to 45, yuan.
As the focus of the provident fund in 215, Shanghai will continue to implement differentiated credit policies and strengthen risk management and control; Deepen the sharing of information with relevant units, take various measures simultaneously, and continue to expand the coverage of the housing provident fund system; Continue to implement the requirements of "improving the extraction and use of housing provident fund" and support the diversified housing consumption of paid employees; Expand online business and new media services to further facilitate deposit units and employees.