The Provincial Department of Housing and Construction, the Provincial Department of Finance and the People's Bank of China Jinan Branch issued the Notice on Forwarding the Ministry of Housing and Urban-Rural Development and other three ministries (Lu Zi [2065438+04] No.20), stipulating that cities with individual housing provident fund loan rates below 85% should promote off-site loan business. 20 14, 165438+ 10, 10, Jining city took the lead in issuing the Notice on Implementing Personal Housing Loan Business of Housing Provident Fund in Different Places (J.F.F. Zi [2014] No.3) and actively carried it out.

Down payment, interest rate cuts, tax cuts, housing subsidies ... Since the beginning of this year, with the frequent new policies in the property market, the provident fund withdrawal and loan policies have continued to relax, and the amount of housing provident fund loans has continued to increase. For example, from June 5438 to May, the city issued housing provident fund loans of 2.69 billion yuan, a year-on-year increase of109%; By the end of May, 2065438+2006, the personal loan rate in Jining reached 94.2%.

On August 3 last year, the General Office of the People's Government of Shandong Province issued the document "Guiding Opinions on Improving the Provident Fund Management System and Expanding Housing Consumption" (Lu Zhengban Fa [2015] No.34), which stipulated that in order to strengthen risk prevention, while increasing the intensity of withdrawal and loans, it is necessary to prevent fraudulent loans, strictly examine and approve business and manage after loans, and ensure the safety of funds. Cities with a housing provident fund loan ratio of more than 85% should adjust the housing provident fund use policy in time to ensure the sustained and healthy development of the housing provident fund business.

Jining City Housing Provident Fund Management Center said that the personal loan rate of Jining City's provident fund has reached 94.2%, which has greatly exceeded the national red line of 85%. According to the spirit of the higher-level documents, corresponding measures should be taken in time to give priority to supporting employees in this city to purchase the first suite and improved self-occupied housing, so as to ensure the safety and efficiency of funds, so the loan business in different places is suspended.

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