Cancellation of household registration restrictions and increased quotas!
Ease of provident fund policy on the first Thursday of the new year
Sino-Singapore Jingwei, January 8 (Dong Wenbo) The working days of the first week of the new year have ended.
According to the incomplete review of Sino-Singapore Jingwei, since the beginning of the year, the housing provident fund adjustment policies in four places, including Qingdao, Jinan, Ningbo, and Ma'anshan, have been implemented, and there have been varying degrees of loosening in terms of off-site loans, families with multiple children, and housing purchases by talents.
New latitude and longitude in the data map
Shandong two cities relax provident fund loans in different places
Qingdao Housing Provident Fund Center recently issued the "Notice on Optimizing and Adjusting the Transfer and Continuation of Housing Provident Fund in Jiaodong Economic Circle and Loan Policies in Different Places". From January 4, 2022, payment within the four cities of Jiaodong (Yantai, Weihai, Weifang, Rizhao) will be Deposit workers come to Qingdao and set up a housing provident fund personal account in Qingdao to initiate a transfer and continuation application. The processing time is reduced to 1 working day, so that the deposit workers in the five cities of Jiaodong can enjoy the same city treatment.
It is worth mentioning that, as the core city of the Jiaodong economic circle, Qingdao has also relaxed the off-site provident fund loan policy. Employees who pay deposits in Yantai, Weihai, Weifang, and Rizhao can apply for off-site loans in Qingdao or participate in loan applications as their spouses. , the maximum number of loans has been adjusted from one to two.
The implementation of the new policy means that for the buyers in different places in Qingdao, the number of direct use of provident fund loans has increased, which has reduced the cost of buying a house in Qingdao to a certain extent.
A similar new policy has also been introduced in Jinan, another core city in Shandong's economic circle.
According to the Jinan Housing Provident Fund Center, the 6th meeting of the 4th Housing Provident Fund Management Committee of Economic South City deliberated and approved that for non-local housing provident fund loans (payment of provident funds in other cities, and application for housing provident fund loans for housing purchases in Jinan), when approving loan materials , the household registration restriction will be cancelled, and it will be implemented from January 1, 2022.
According to Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, according to past policies, home buyers who are not registered in Jinan and whose provident funds are not deposited in Jinan need to provide a "quasi-hukou" policy if they buy a house in Jinan. Lenders, co-payers, etc. must have a Jinan hukou, and Jinan has relaxed this kind of provident fund loan policy this time, which has a positive effect.
Yan Yuejin pointed out that from the perspective of the reform of provident fund policies in various regions in the past two years, whether it is the construction of urban agglomerations in various regions and the integration of provident funds, the market demand for non-local loans will objectively increase.
By canceling the household registration restrictions, the difficulty of providing provident fund loans in different places is reduced, which is more convenient for the masses and home buyers.
New latitude and longitude in the data map
Support families with two and three children and talents to buy houses
In addition to Qingdao and Jinan, there are other two places that have different adjustments in the amount of provident fund loans.
Starting from January 1 this year, families in Ningbo who have two or three children in accordance with the national fertility policy, who have continuously paid housing provident funds for 2 years, and apply for a provident fund loan for the first time to buy their first self-occupied house, the maximum loan amount is 600,000 yuan / The number of households increased to 800,000 yuan per household; loan application conditions, calculation method of loanable amount, loan repayment ability calculation, loan term and other housing provident fund loan regulations remain unchanged.
This is also the first policy at the national provident fund level to support the birth of three-child families.
Yan Yuejin’s analysis said that the starting point of Ningbo’s provident fund policy is not to save the market, but to provide supporting support from the perspective of three-child families, which further reflects the attributes of provident fund protection, truly releases warmth, and reduces the cost of buying a house. It is worth learning from other cities across the country.
"Similar policies will also activate market transaction demand to a large extent, and will make relevant households actively apply for provident fund loans, which will have a positive effect on the activity of housing transactions."
Also since January 1 this year, Ma'anshan City, Anhui Province has implemented the "Notice on Implementing the Housing Provident Fund Loan Support Policy for High-level Talents", whether high-level talents are unilateral or husband and wife, the housing provident fund should be continuously paid for more than 6 months (including 6 months), when purchasing ordinary commercial housing (including second-hand housing) for the first time in the administrative area of Ma'anshan, you can apply for a housing provident fund loan with a maximum loan of 600,000 yuan; there are no restrictions on single payment and both parties' deposits, and the maximum loan amount is not set. Linked to monthly deposit and balance.
In contrast, according to the "Approval for the Application for Housing Provident Fund Loans for the Purchase of Self-Occupied Homes" issued by the Maanshan Housing Provident Fund Management Center on July 8, 2021, the maximum provident fund loan amount in the place is 500,000 yuan, and it needs to be determined based on five conditions at the same time. .
In fact, from the end of 2021, the real estate market will be hot.
According to data released by the Centaline Real Estate Research Center, in December 2021 alone, about 25 cities, including Guilin, Jinjiang, Hohhot, Nanning, Baoding, etc., have issued policies of different strengths to boost the property market, mainly focusing on talent subsidies , New city residents settle down and purchase housing subsidies, etc.
For 2022, Pan Hao, a senior analyst at Shell Research Institute, believes that the real estate industry will usher in a new round of stable development cycles.
At the policy level, the CRRC Research Center stated that it will continue to adhere to the positioning of "housing, not speculating," and that the pace of deleveraging in the real estate industry will be moderately controlled. A virtuous circle in the industry.
Yan Yuejin emphasized that this year is a year of virtuous development of real estate, and there will be important changes in market policies.
In the process of activating reasonable housing consumption demand, all localities must adhere to this policy keynote, not only to promote the active housing transaction market, but also to continue to promote the stability of the real estate transaction order, and all kinds of illegal funds still cannot enter the market.
Only in this way can we put an end to the chaos of "disorder as soon as it is released, and death as soon as it is tightened", and form a new model of real estate development.
(Sino-Singapore Jingwei APP)
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