Increase the loan amount, simplify the handling process, and withdraw it for renting … The use of housing provident fund is more flexible.

　　In recent years, Yuquan District, Hohhot City, Inner Mongolia Autonomous Region has incorporated self-service terminals such as social security and provident fund into the government service hall to create a "7×24-hour government service self-service supermarket", which is convenient for enterprises and citizens to "self-help, do it at any time and wait for it" around the clock. The picture shows a few days ago, citizens handled the housing provident fund business by themselves in the "24-hour government service self-service supermarket" in Yuquan District. Photo by Ding Genhou (People’s Vision)

　　There have been new changes in the housing provident fund policy. Recently, the General Office of the State Council issued a document, emphasizing the support of housing provident fund for renting houses. In the same period, many cities across the country adjusted their housing provident fund policies: some raised the amount of provident fund loans; Some cancel the provision of "one of the two options for withdrawal and loan"; Some relax the scope of use of provident fund … … According to experts’ analysis, the adjustment of the provident fund policy can reduce the purchase cost of the just-needed groups, effectively boost market confidence, and work with other "stable property market" policies to jointly promote the healthy development of the real estate market.

　　Higher quota, reducing the cost of home buyers.

　　Compared with commercial loans, the interest rate of housing provident fund loans is lower, so it is favored by many buyers. Taking Beijing as an example, in 2021, 94,154 individual housing loans with housing accumulation fund were issued in Beijing, with 72.399 billion yuan, up by 13.5% and 15.3% respectively, and the interest rate was about 2 percentage points lower than that of commercial loans, which could effectively reduce the purchase cost of buyers.

　　To meet the new demand of buyers, this year, the amount of provident fund loans has been raised in many places across the country. Zhou Huan works for a logistics company in Ningbo, Zhejiang Province. Last year, he and his wife welcomed their second child. "Before Erbao was born, my daughter-in-law and I always rented a house with the boss. Now that we have a second child, it is not convenient to rent a house. We plan to buy a suite in Ningbo. " Zhou Huan said, "It just happened to meet the new policy of Ningbo this year. For families with two or three children, as long as the provident fund has been paid for two years and meets the first loan and the first suite of the provident fund, the maximum loan amount has increased from the previous 600,000 yuan to 800,000 yuan, which is a good thing for us." Jiaxing City, Zhejiang Province also proposed that if employees who normally pay housing provident fund in the city apply for housing provident fund loans for the first time to buy the first family self-occupied housing, the maximum loan amount for a single person will rise from 300,000 yuan to 400,000 yuan, and the maximum loan amount for two or more people will rise from 600,000 yuan to 800,000 yuan. Nanning, Guangxi has made it clear that the maximum amount of provident fund loans for the first home will be adjusted to 800,000 yuan and the maximum amount of provident fund loans for the second home will be adjusted to 700,000 yuan from June 1 this year.

　　Some cities have adjusted the down payment ratio of housing provident fund loans. Linyi City, Shandong Province issued a new regulation, clarifying that if both husband and wife pay the housing provident fund in full and normally, the upper limit of the loan for purchasing self-occupied housing provident fund will be raised from the current 500,000 yuan to 600,000 yuan, and the down payment ratio of the second set of improved housing provident fund loans will be lowered from 40% to 30%. Jingzhou City, Hubei Province also lowered the down payment ratio of second-home provident fund loans from 40% to 30%, and cancelled the provision that "individual housing provident fund withdrawal and loans can only be one of two choices" to expand the supply of provident fund funds for buyers.

　　Some cities have relaxed the construction period limit of housing provident fund loans. According to the new regulations implemented in Luzhou City, Sichuan Province on May 1, the construction period of the house purchased by the employee’s family should not exceed 20 years, and the sum of the house age and the loan period should not exceed 40 years, and the loan period should not exceed the remaining land use rights of the house purchased. Harbin City, Heilongjiang Province proposed to relax the housing age of second-hand housing provident fund loans from 20 years to 30 years, and the sum of the loan age and housing age should not exceed 50 years.

　　"For the real estate industry, both consumers, developers and operators need a lot of money." Zhao Xiuchi, a researcher at the Economic and Social Research Institute of capital university of economics and business Megacities, said that relaxing the housing provident fund loan policy is conducive to consumers buying houses and reducing the cost pressure of developers and operators, thus achieving a virtuous circle and sustainable development.

　　More uses, more people to benefit from.

　　In addition to the loan to buy a house, the housing provident fund can also be used to pay the rent of the house to meet the needs of renters.

　　Xiao Zhu rented a house with one bedroom and one living room in Yuzhong District, Chongqing, with a monthly rent of more than 1,000 yuan. "I heard from my colleagues that the provident fund can be proposed for renting, so I applied." Xiao Zhu told the reporter that the application form for drawing provident fund to pay the rental fee, the summary table of units for drawing provident fund in batches and other materials will be handed over to the local provident fund management center after being sealed by the unit, and then the provident fund can be drawn out. "I applied for more than 10,000 yuan, and I arrived on the same day."

　　The reporter inquired about the "Regulations on the Management of Housing Provident Fund" and found that in addition to the common purchase of self-occupied housing, the provident fund can also be used for construction, renovation and overhaul of self-occupied housing.

　　In recent years, some cities have introduced a new policy, which makes it clear that employees can withdraw housing provident fund for the renovation of old communities. For example, Guizhou Province has issued a policy to support workers’ families whose residential areas are included in the renovation of local old residential areas to withdraw housing provident fund for housing renovation such as installing elevators, strengthening housing structures, adding security facilities, repairing doors and windows and indoor water (electricity, gas) pipelines. From May to December last year, Guizhou Province handled 124 withdrawals with a withdrawal amount of 5,138,300 yuan. According to the Annual Report of Changsha Housing Provident Fund in 2021, in 2021, the housing provident fund in Changsha City, Hunan Province supported 290 employee families to withdraw 15.571 million yuan from the housing provident fund, which was used to build elevators in existing houses and support the renovation of old communities. According to the Annual Report of Xiamen Housing Provident Fund in 2021, at the end of 2021, Xiamen City, Fujian Province, supported the installation of elevators in old houses and the renovation of old elevators, and extracted a total of 1,326 housing provident funds, amounting to 67.1519 million yuan.

　　"The establishment of the housing provident fund system is to solve the housing problem. Whether it is renting a house or renovating an old community, it is to solve the housing problem and is the proper use of the housing provident fund, which is consistent with the provisions of the Regulations on the Management of Housing Provident Funds." Zhao Xiuchi said. However, due to the lack of detailed regulations and support for the withdrawal of housing provident fund for rental housing and the renovation of old residential areas, such as the withdrawal of rental housing expenditure exceeding 5% of income, the consumption of such provident fund is relatively low.

　　A few days ago, the General Office of the State Council issued the Opinions on Further Releasing Consumption Potential and Promoting the Sustainable Recovery of Consumption, proposing to increase public consumption reasonably, emphasizing "supporting depositors to withdraw housing provident fund for rental housing, and continuing to support residents in old urban communities to withdraw housing provident fund for the renovation of self-occupied housing such as installing elevators". Experts believe that this will help to rationally expand the scope of the use of provident funds and bring more convenience to the public.

　　More convenient and help the healthy development of the property market.

　　The procedures for handling the provident fund are also increasingly simplified and convenient. After living in Foshan City, Guangdong Province for more than a year, Li Jing quit his original job and went to work in Hangzhou City, Zhejiang Province. Considering the demand for housing, recently, she transferred the provident fund of her last work place to her existing account. "In ‘ National housing accumulation fund ’ Click ‘ in the applet. Transfer and connection ’ , simply fill in your personal information and you can handle it. It was successful in two days, but I didn’t expect it to be so fast. "

　　Inquire about the balance of the provident fund, calculate the mortgage, and transfer the provident fund funds in different places … … In the second half of last year, the "National Housing Provident Fund" applet was put into operation. The depositor can handle a lot of business on the mobile phone without leaving home. As of February this year, all localities have set up 6,460 offline special windows and 1,364 online special zones for the "inter-provincial general office" business, and handled more than 23.3 million businesses through the whole process of online office, collection agency and joint office between the two places.

　　Experts believe that the recent adjustment of the housing provident fund system is conducive to promoting the healthy development of the real estate industry. "On the one hand, adjusting the provident fund policy has reduced the cost of buying houses for consumers and expanded the use of housing provident fund." Zhao Xiuchi said, "On the other hand, policy adjustment can have an impact on social expectations, which will help increase consumers’ confidence in the healthy development of the property market, which will expand effective demand and thus promote the sustainable development of the real estate industry." In addition, most of the areas that have recently introduced the new housing accumulation fund policy belong to second-,third-and fourth-tier cities, where the property market is relatively depressed, and the introduction of the new policy is conducive to promoting the development of the local real estate industry.

　　The reporter noted that in addition to adjusting the housing provident fund policy, since the beginning of this year, various "stable property market" policies have been introduced in many places across the country, covering reducing down payment, easing credit, reducing subsidy deed tax, and attracting talents to subsidize the purchase of houses. A few days ago, the People’s Bank of China and the State Administration of Foreign Exchange issued the Notice on Doing a Good Job in Financial Services for Epidemic Prevention and Control and Economic and Social Development, which made it clear that the differentiated housing credit policy should be implemented according to the city’s policy, and the minimum down payment ratio and minimum loan interest rate requirements for commercial personal housing loans within its jurisdiction should be reasonably determined to better meet the reasonable housing needs of buyers.

　　How to ensure that the real estate market continues to run smoothly? Ni Hong, vice minister of the Ministry of Housing and Urban-Rural Development, said that the long-term mechanism of real estate will be implemented steadily, the demand for rigid housing will be guaranteed, the demand for improved housing will be met, and the land price, housing price and expectations will continue to be stabilized, so as to promote the virtuous circle and healthy development of the real estate industry due to the city’s policies.