Insiders pointed out that this move does not mean that the supervision of the property market is relaxed, and "no real estate speculation" is still the keynote. The implementation of the New Deal is not only the realistic requirement of the metropolitan area, but also reflects the sincerity of the two major cities to "build nests and attract phoenix".
Relax off-site provident fund loans
Recently, Qingdao issued the "Notice on Optimizing and Adjusting the Policies of Housing Provident Fund Transfer and Loan in Different Places in Jiaodong Economic Circle", proposing that in order to further promote the integrated development of housing provident fund in Jiaodong Economic Circle and realize that employees who have paid housing provident fund in five cities in Jiaodong enjoy the treatment in the same city, the policies related to the transfer and loan of employees who have paid housing provident fund in five cities in Jiaodong will be optimized and adjusted from June 5438+1October 4, 2022. In terms of the transfer and connection of housing provident fund, the transfer and connection of housing provident fund is regarded as "the same city" if the paid employees of four cities in Jiaodong (including Yantai, Weihai, Weifang and Rizhao) come to or leave Qingdao. After setting up a personal account of housing provident fund in Qingdao, you can apply for transfer and connection, and the time limit for transfer and connection can be shortened to 1 working day.
In terms of housing provident fund loans in different places, if employees deposit housing provident fund in four cities in Jiaodong and apply for loans in different places in Qingdao or participate as spouses, the maximum number of loans will be adjusted from 1 time to 2 times. Proof of deposit and details of deposit in different places can be obtained through online business halls of local housing provident funds, inter-provincial general offices and other channels, and employees do not need to go to the deposit counter of the provident fund center to issue them.
The New Deal means that Qingdao buyers have increased the number of direct use of provident fund loans, which has reduced the cost of purchasing houses in Qingdao to a certain extent and is conducive to the free flow of people and employment.
On the last day of last year, Jinan Housing Provident Fund Center announced the Notice on Cancelling the Household Registration Restriction of Housing Provident Fund Loans in Different Places. Since June 5438+1 October1day, 2022, when approving the loan materials, Jinan City has cancelled the household registration restriction of housing provident fund loans in different places (paying provident fund in other cities and applying for housing provident fund loans in Jinan).
According to the previous policy, when employees who are not registered in Jinan apply for provident fund loans in Jinan, there is a certain threshold-they must meet the requirements that the guarantor, borrower or repayment are registered in Jinan.
Save money and trouble
Sun Gang is an employee of a central enterprise in Jinan, and his household registration and provident fund deposit are all outside the province. 20 17 Up to now, Sun Gang has been sent to work in Jinan by the company.
"To tell you the truth, I have only seen Jinan in Lao She's articles before. When I really came to work in this city, I fell in love with Jinan, so I had the idea of buying a house in Jinan. " Sun Gang said, "Although renting a house is not bad, I always feel that something is missing, so I want to buy a suite here."
In 2020, Sun Gang took a fancy to a house in the east of Jinan and wanted to use the provident fund loan, but the policy discouraged him. "Want to use provident fund loans, or have a Jinan household registration, or add a guarantor or * * * have a repayment Jinan household registration. This article stumbles many people who are not registered in Jinan and want to use the housing provident fund to buy a house. After all, it is impossible for people with Jinan household registration to be guarantors or borrowers. "
Relevant persons of Jinan Housing Provident Fund Center said that after the implementation of the New Deal, employees who have paid in different places can enjoy the same loan rights as those who have paid in local areas when they apply for provident fund loans in Jinan. The cancellation of household registration restrictions will help to further improve the efficiency of off-site loans.
"I'm looking for a house. I will apply as soon as I find it. " Sun Gang said: "Save money, absolutely save money. It is also a mortgage of 6.5438+0.5 million yuan. Commercial and provident fund loan portfolio loans can save a lot of money than pure commercial loans. "
Sun Gang calculated an account for the Economic Herald reporter: If a loan of10.5 million yuan is needed, the total repayment of all commercial loans in 30 years will be 2,865,924.29 yuan according to the equal principal and interest; If the commercial loan 1 10,000 yuan and the provident fund loan are 500,000 yuan, and the repayment methods are the same in the same period, the total repayment amount is 2,659,600.22 yuan. Compared with the two, the combined loan saves 206,324.07 yuan compared with the pure commercial loan, which is not a small amount for the buyers.
When the policy came out, it was interpreted by many people as relaxing the supervision of the property market. However, in the view of Zhang Shouxin, the head of Jinan Huaxin Real Estate Agency, "living without speculation" is still the main tone. "The cancellation of household registration restrictions (provident fund loans) does not mean that citizens are qualified to buy houses in relevant urban agglomerations. After canceling the household registration restrictions, buyers must use the provident fund across regions, first of all, they must have the qualification to purchase houses in their cities. "
In this regard, the relevant person in charge of Jinan Housing Provident Fund Center also stressed that the approval of Jinan's off-site housing provident fund loan information cancels the household registration restriction, but non-Jinan household registration employees still need to comply with Jinan's local purchase restriction policy and Jinan's personal housing provident fund loan management measures. A series of policy management requirements.
When people stay.
In Zhang Shouxin's view, the cancellation of household registration restrictions on housing provident fund loans in Jinan and Qingdao is also a continuation of a series of policies to attract talents and talents in Jinan and Qingdao. This move not only gives full play to the housing security function of the housing provident fund system, but also conforms to the trend of orderly and free flow of talents and other elements.
Meng Xiangshuo, the head of the human resources consulting service company, said in an interview with the Economic Herald that the relaxation of the provident fund loan policy in Jinan and Qingdao is conducive to promoting the flow of talents between cities and the development of regional integration, and is of great significance to realizing the coordinated development among cities in the economic circle.
"Building a metropolitan area requires industry and talents to go hand in hand. How to attract and retain talents is fundamental. " Meng Xiangshuo said, "I can introduce you to talents. How to retain talents depends on your ability. "
Meng Xiangshuo believes that while introducing talents, we should try our best to retain talents. Through the project industry, talents can have a sense of gain in their respective fields and feel the development potential and endogenous motivation of the city, thus attracting people and promoting the city and gathering talents.
Lu, a special member of Jinan Human Resources and Environment Committee and a special commentator of Economic Herald, believes that hukou and housing are the most basic needs of talents. However, to retain talents, we must also meet the needs of many levels. "The most basic demand is an important part of attracting talents. Only by reducing the cost of living and improving the standard of living can we truly enhance our attraction to talents. "
HR Zhang of a technology company in Jinan told the Economic Herald that a series of new policies introduced by Jinan in recent years have greatly reduced the brain drain of the company. "I used to recruit 10 college students, and after 1 year, I can leave seven or eight people; Now recruit 10 college students. After 1 year, up to 2 people can leave. "
In Zhang Shouxin's view, in addition to the improvement of the overall environment, the government's warm-hearted policy is also an important reason for employees to stay. Taking Jinan as an example, in recent years, Jinan has successively launched such talent policies as "30 new talent policies", "20 new talent policies in colleges and universities" and "19 innovation", forming an all-round and multi-level talent policy system of "1 N". It involves special plans, subsidy support, talent management, etc. , covering top talents, overseas talents, innovative and entrepreneurial talents, flexible talents and young talents, and implementing key talent projects such as the "Quancheng 5 150" talent introduction multiplication plan (innovative category), the policy has become more and more valuable.
Dong Yanling, dean of the Regional Economic Research Institute of Shandong University of Finance and Economics and special commentator of the Economic Herald, believes that Jinan and Qingdao, as regional central cities, will further highlight the role of industry and talent gathering, and the rigid demand will rise steadily. "Retaining young people and talents is an important aspect of maintaining the vitality of cities in the future."
Lv Zhaoyi believes that the attraction of a city lies in meeting the needs of all levels, from basic living to career development to self-realization. "Which city can meet these needs can better retain talents."