It said that as of the end of August, the balance of Dongguan provident fund had a negative historical growth of -28% compared with the end of last year, and the personal loan rate continued to climb from 72.95% in the same period last year to 87.69%, up by nearly 15 percentage point, which has exceeded the liquidity warning line of 85%. In August, Dongguan Housing Provident Fund Management Center issued a first-level warning. ?
The notice also said that it will increase the application conditions for the withdrawal of second-hand houses in other cities. Buying a second-hand house outside the city requires holding a property certificate for 6 months before applying for withdrawal. In addition, stop accepting the extraction of property management fees. ?
Dongguan Housing Provident Fund Management Committee pointed out that this year is a difficult period after the COVID-19 epidemic. It can be predicted that for a long time after this year, the supply side of the provident fund will be under great pressure, and it is difficult for the collection funds to grow continuously and rapidly. As a result, the contradiction between supply and demand of provident fund funds is prominent. By the end of August, the balance of Dongguan provident fund had a negative historical growth of -28% compared with the end of last year, and the personal loan rate continued to climb from 72.95% in the same period last year to 87.69%, with an increase of nearly/kloc-0.5 percentage point, which has exceeded the liquidity warning line of 85%. In August, Dongguan Housing Provident Fund Management Center issued a first-level warning. ?
"In order to alleviate the pressure of tight liquidity and ensure the steady development of provident fund loans, it is necessary to shrink the scale of lending in time." Dongguan Housing Provident Fund Management Committee said. ?
Regarding the adjustment of the specific upper limit of the maximum loan amount, Dongguan Housing Provident Fund Management Committee said that by the end of August this year, the city had added provident fund loans 1068 1 pen, amounting to 8.774 billion yuan. Among them, there are 7793 first suites, accounting for 72.96%, with an average loan amount of 856,900 yuan; There are 2,888 suites, accounting for 27.04%, and the average loan amount is 725,800 yuan. The maximum loan amount for the first suite is now adjusted to 900,000 yuan, slightly higher than the average loan amount in our city; The maximum loan amount for the second suite is adjusted to 500,000 yuan, which will continue to provide some support for employees to purchase two sets of improved housing. At the same time, after adjustment, the maximum loan amount of our city is equivalent to that of surrounding cities: the maximum loan amount of single employee in Guangzhou is 600,000 yuan, and the maximum loan amount of double employees and above is 6,543.8+0,000 yuan; Shenzhen has a single employee of 500,000, and the maximum loan amount for double employees and above is 900,000; The maximum loan amount for the first set of housing dual employees in Huizhou is 600,000 yuan, and the maximum loan amount for the second set of housing dual employees is 500,000 yuan. ?
Regarding why the application conditions for the extraction of second-hand houses in other cities were increased, Dongguan Housing Provident Fund Management Committee explained that taking advantage of policy loopholes to extract provident funds by buying and selling houses in different places, especially second-hand houses, became the main means of illegally extracting housing provident funds, and illegal intermediaries colluded or helped to extract applicants. By buying and selling second-hand houses in different places and other short-term houses, illegally withdraw the provident fund and profit from it. Judging from the illegal withdrawal behavior verified by the Municipal Housing Provident Fund Management Center, they all meet the following conditions: the purchase place lacks the policy of restricting purchases and sales, the purchased house area is small, the withdrawal interval is short, and the withdrawal amount is extremely close to the house price. In order to resolutely crack down on illegal extraction, effectively safeguard the legitimate rights and interests of employees and the good operation order of provident fund, the extraction conditions for purchasing second-hand houses in different places are now increased, and the application for immovable property certificate can only be applied for 6 months. ?
The notice is valid for three years, and the Dongguan Housing Provident Fund Management Center is responsible for the interpretation. The Municipal Housing Provident Fund Management Committee can make adjustments according to the actual situation and management needs.