To be honest, the housing provident fund has played a very positive role in the past, but we have to admit that it has only served a small number of people. There are many people who pay the provident fund, but not many people use or benefit from the provident fund. .

Think about how many of the many people buying houses relied on provident fund loans? Or can you take out the money easily? Even though it is stipulated that renting a house is acceptable (this was just reformed in recent years), there are still many restrictions.

This has caused many people to gradually lose interest or dependence on the provident fund. Therefore, many experts feel that the provident fund has become something that is on the shelf and is of no use to everyone. They suggest that the provident fund system be abolished.

For example, Huang Qifan said that the housing provident fund system was introduced from Singapore in the early 1990s. Now that our real estate has long been marketized, commercial banks have become the main body in providing housing loans, and the existence of the housing provident fund has little significance. Its cancellation can directly reduce 12 costs for enterprises and employees.

Of course, there are many fans, such as celebrity entrepreneur and Gree Chairman Dong Mingzhu, who echoed the above views and believed, "I think this provident fund is completely unnecessary." She also used their company as an example. Everyone is given a house, so there is no need for provident funds.

Maybe they really don’t need provident funds because they really don’t need them. But in reality, it’s not that ordinary people can’t use it, it’s that they simply can’t reach it, and they have provident funds but are not allowed to use them. Under normal circumstances, the conditions for using provident fund loans are very harsh, causing many people to give up hope. Therefore, the problem is not that no one needs the provident fund, but how to make the provident fund better serve everyone. Besides, the money is yours.

Today I will no longer debate whether something should be cancelled, because there is no need to debate. The answer has been given recently at the national level.

On November 18, the Ministry of Housing and Urban-Rural Development stated that it will reform and improve the housing provident fund system, increase coverage in breadth, and also go deep into areas such as leasing and renovation of old communities, and further strengthen the information construction of housing provident fund management. , improve the level of regulatory services. The implication is that not only will the provident fund not be canceled in the short term, but its services will also be extended to more areas, which means that the provident fund will be gradually reformed.

As expected, the Ministry of Housing and Urban-Rural Development has just announced that Beijing has taken new actions. On November 25, the Beijing Housing Provident Fund Management Center issued an announcement to revise the "Beijing Housing Provident Fund Payment and Deposit Management Measures" and "Beijing Housing Provident Fund Withdrawal Management Measures" and publicly solicited opinions on the revised draft.

The new management measures intend to clearly stipulate that after the provident fund withdrawal is approved, it will be directly transferred to the personal account within one working day, and the limit on the number of withdrawals will be cancelled. You can also entrust others to handle provident fund withdrawals on your behalf. Rental withdrawals no longer require the rent to exceed the household wage income of 5, and the withdrawal time is adjusted from 3 days to 1 working day. Units must not pay provident funds for employees below the lower limit, etc.

In the past, there were requirements for renting out housing provident funds. In recent years, Beijing has simplified the procedures for renting housing provident fund withdrawals. As long as you don’t have a house, you can withdraw housing provident funds at the standard of 1,500 yuan per month without submitting a rental contract and invoice. . In this opinion draft, the sentence "rent expenditure exceeds family wage income by 5" has been deleted. It can be seen that the conditions are broader. To put it bluntly, there are almost no restrictions.

In addition, in addition to buying a house, renting a house, and repaying the principal and interest of self-occupied housing loans, you can also withdraw funds for construction, renovation, and overhaul of self-occupied housing, which greatly facilitates the use of funds for self-occupied housing. This also reflects the positioning that houses are for living in, not for speculation. Especially with the advent of the rental era, renters can also enjoy the benefits of housing provident funds, which greatly respects the right to live.

I believe that in addition to Beijing, other cities across the country will also make corresponding adjustments and introduce more measures to facilitate the use of provident funds. For example, Liaoning Province will adopt full online processing, agency collection and handling, and two Through local joint offices and other means, housing provident fund services can be provided across provinces. After the housing provident fund services are provided across provinces, it means that everyone no longer needs to return to the place where the housing provident fund is paid, and can handle housing provident fund-related business in other places.

In addition, Wuhan, Changsha, Nanchang, and Hefei have also formed an alliance. Employees who pay provident funds in the four cities can choose any of the four cities that are members of the alliance to use provident fund loans to buy houses. This is a change from the previous housing provident fund system. major breakthrough.

It is true that the current housing provident fund has many problems and has been criticized by the people, but I think the most fundamental issue is not whether to abolish it or not, but how to take care of the interests of multiple parties. There is still a lot of room for the housing provident fund to be used, but in the past many people did not know how to use it, or wanted to use it but could not. With the improvement of the system, I believe that the provident fund will become more of a blessing to the people, reflecting the idea of ????living in housing rather than speculating. Connotation, respect the rights and interests of residents.