中新财经1月21日电 (左宇坤)2022年各地房贷政策的调整动作，自开年便渐渐有了声响。

　　下调公积金贷款最低首付比例，实行“只认贷不认房”的认定标准，提高公积金贷款最高额度……抢在商业银行贷款调整之前的，是多地公积金贷款政策的松动。

资料图：某在建住房。 高瑞峰 摄

广西北海：降低公积金贷款首付比例

　　1月12日，北海市住房公积金管理中心发布《关于调整住房公积金贷款政策的通知》，明确了降低公积金贷款的首付比例，北海也成为今年全国首个降低首付比例的城市。

　　《通知》中最核心的内容是，缴存职工家庭购买第二套住房或申请第二次住房公积金贷款的，最低首付款比例由60%下调至40%。

　　“此类降低首付的政策，比贷款额度提高、利率下降或者说放款节奏放快更为有效。因为首付比例下调，客观上使得购房者的购房压力明显下降。”易居研究院智库中心研究总监严跃进表示。

　　北海此番直接“上猛药”，也是因为其楼市正处于非常需要鼓励交易的状态。广西壮族自治区统计局发布的数据显示，北海2021年1-12月累计商品房销售面积279.27万㎡，同比增长3.9%，累计销售额166.92亿元，同比下降4%。

　　易居研究院中国百城库存报告数据也显示，北海楼市2021年年底去库存周期为23.7个月，总体上处于库存去化相对困难的城市。

　　下行的房地产市场行情呼吁着政策，严跃进认为，预计后续全国其他城市也会积极跟进，甚至包括商业银行贷款等方面也会有降低首付的动作和表现。

资料图：北海老街。 翟李强 摄

四川自贡：取消“认房又认贷”

　　1月18日，四川省自贡市住房公积金管理中心发布《关于调整住房公积金政策相关问题的通知》，放宽了住房套数认定政策，实行“只认贷不认房”的认定标准。

　　通知明确，既无住房公积金贷款记录又无尚未完清的住房商业贷款，按首套房贷款政策执行；有一笔已结清的住房公积金贷款记录或一笔尚未完清的住房商业贷款，按二套房贷款政策执行。

　　Previously, Zigong’s standard for identifying the first housing provided by a provident fund loan was “recognizing the house and recognizing the loan”: there was no complete housing in the housing registration information system, and neither housing provident fund loan records nor unfinished commercial housing loans were recorded in the credit report.

　　"In other words, regardless of whether there is a house or not, as long as there is no record of provident fund loan or no outstanding commercial loan, it can be carried out as the first home." Yan Yuejin explained that similar regulations have obviously lowered the threshold, allowing more homebuyers The housing can be subscribed according to the proportion of the first suite, that is, the down payment is reduced from 40% to 20%, which obviously has a very good stimulating effect.

　　Zhang Bo, Dean of the 58 Anju Room Real Estate Research Institute, believes that Zigong's policy of "recognizing loans without recognizing housing" is actually a relaxation of regulation. Some help.

　　Zigong Provident Fund Center once disclosed in the "Zigong City Housing Provident Fund 2020 Annual Report" that from 2016 to 2018, due to policy factors, the city's provident fund deposit and payment growth rate remained above 10%; 2019, 2020 The growth rate will drop To around 3%, growth slowed.

The phenomenon of weak growth in the expansion of provident fund deposits has already appeared.

　　"This policy is beneficial to the improvement of the population to a certain extent. If the provident fund loan is not used in the early stage, it will be implemented as the first house during the house change process, and the down payment conditions and loan interest rate will be more favorable." Zhang Bo said.

Data map: Zigong, Sichuan, tourists visit the garden to appreciate the lanterns.

Photo by China News Agency reporter Wang Lei

Boost market confidence and promote the release of reasonable housing demand

　　In addition to the above two places, Nanning, Qingdao, Jinan, Ma'anshan, Ningbo and other cities have recently adjusted the provident fund rules, including increasing the maximum amount of provident fund loans, relaxing the number of provident fund loans, household registration restrictions, loan conditions, and having two children and three children Increase the loan amount, etc.

　　As early as the fourth quarter of 2021, many places have begun to adjust the provident fund policy.

Chen Wenjing, deputy research director of the Index Division of the China Index Research Institute, pointed out that at the end of 2021, the provident fund policy adjustment will be aimed at talents, new citizens and other groups.

　　"Since the beginning of this year, some cities have adjusted the standards for identifying housing, and lowered the minimum down payment ratio. The adjustment of provident funds has continued to strengthen, and the coverage has also been further expanded." Chen Wenjing believes that the adjustment of provident fund policies is conducive to improving the It will boost market confidence and promote the positive release of reasonable demand.

　　The Central Economic Work Conference proposed to "support the commercial housing market to better meet the reasonable housing needs of home buyers".

What is a reasonable housing need?

The China Banking and Insurance Regulatory Commission previously stated that at this stage, it is necessary to focus on meeting the mortgage demand for the first home and improved housing according to the different situations in various places.

That is, reasonable housing demand includes both rigid self-occupation demand and improved housing demand.

　　Chen Wenjing believes that in the short term, it is expected that the real estate credit environment will continue to improve, and more cities will follow up and adjust the provident fund policy. .

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