Original title: since July, more than 20 cities have adjusted their policies. Housing fund will help more people live in peace
Since July this year, at least 20 cities have adjusted their housing fund policies. This is not only related to the trend of the real estate market, but also in order to support the first set and improve the demand for housing.
It is worth noting that at present, the relevant departments of the state are promoting the transformation of old residential areas, and the corresponding adjustment of provident fund policy can support and promote the transformation of old residential areas in terms of funds.
Recently, we have adjusted the housing accumulation fund policy in many places. What are the specific contents? What will be the impact on the real estate market?
Reporters found that since July this year, at least 20 cities have made adjustments to the housing provident fund policy, including: first, the amount of provident fund loans has increased or decreased. For example, Yangzhou, Jiangsu Province, requires that the maximum amount of provident fund loans be restored from 350000 yuan to 500000 yuan; Wuxi, Jiangsu Province, requires that the maximum amount of provident fund loans be reduced from 500000 yuan to 300000 yuan.
The second is to realize mutual recognition and loan between cities. For example, since September 17, Xuzhou, Jiangsu Province has taken the lead in opening mutual recognition and loan of housing provident fund loans in seven signed core cities in the Huaihai Economic Zone, including Suzhou, Huaibei, Shangqiu, Heze, Zaozhuang, Lianyungang, Suqian, namely, deposit mutual recognition and loan mutual loan. In accordance with the policy of Xuzhou provident fund loan, the above-mentioned 7 contracted cities paid employees to purchase houses and real estate in Xuzhou, and the restrictions on household registration of provident fund loan were removed.
Third, the procedures for provident fund loans are becoming more and more simplified. For example, Huzhou of Zhejiang Province stipulates that the application for discount interest by the lender of provident fund will no longer need to issue income certificate. After printing the application form, relevant information will be brought with it, which can be handled only once. Nanning, Guangxi also proposed that employees no longer need to fill in the application form for housing provident fund withdrawal when handling the housing provident fund withdrawal business.
Fourth, the old community to add elevators can be withdrawn provident fund. For example, Wuhan, Hubei, Xingtai, Hebei and other places have issued regulations that when elevators are installed in residential areas, the deposit balance in the depositor's housing fund account can be withdrawn.
Fifth, the extension of the term of the provident fund loan. The longer the term is, the less the pressure on the employees to pay for the loan is, which is good news for the employees who just need to buy a house. For example, Chengdu, Sichuan Province proposed that the loan term of the application for re transaction of housing loan should be 30 years at most; the loan term of Wuhan second-hand housing buyer's provident fund can be extended by 10 years before the adjustment of the detailed rules.
The reporter combed and found that the adjustment of provident fund policy has a certain relationship with the trend of real estate market. For example, Wuxi, Jiangsu Province, Beihai, Guangxi Province and other cities where the provident fund loan policy is tightened are all cities where the prices of newly-built commercial housing and second-hand housing continue to increase slightly in the near future. A series of adjustments in the scope of withdrawal and the length of loan are expected to play a certain role in the regulation and control of real estate market.
But at the same time, some cities relaxed the restrictions on provident fund loans to support the first set and improve demand. It has been the basic function and direction of the provident fund policy to meet the basic living needs of employees and reduce the pressure on employees to buy houses.
According to the national housing accumulation fund 2018 annual report, in 2018, the number of individual housing loans issued, the middle and low-income groups accounted for 95.73%, the first housing loan accounted for 85.91%, the ordinary housing loan under 144 (including) square meters accounted for 89.45%, and the loan staff under 40 (including) accounted for 72.76%.
In addition, the housing fund also guarantees housing through multiple channels. On the one hand, new measures such as mutual recognition and loan between different places will greatly facilitate the use of provident fund by employees. On the other hand, the housing accumulation fund not only plays a role in the purchase of housing by employees, but also in the big cities with net inflow of population, it continues to increase the support for Housing leasing, promote both leasing and purchasing, and ensure the safe living of employees.
It is worth noting that at present, the relevant departments of the state are promoting the transformation of old residential areas, and the installation of elevators is a topic of concern for the residents of old residential areas. According to the regulations on the administration of housing provident fund, for the purchase, construction, renovation and overhaul of the self-employed housing, the balance of the deposit in the employee's housing provident fund account can be withdrawn. Some cities put forward that the provident fund can be used to install elevators, which can support and promote the transformation of old residential areas and improve the living conditions of the employees who pay the provident fund.