China-Singapore Jingwei, April 8 (Dong Xiangyi) China-Singapore Jingwei combing found that since 2022, Gansu, Guangxi, Shenyang, Taizhou, Beihai, Nanning, Zigong, Qingdao, Jinan, Shangqiu, Wuzhou, Chenzhou, Jiujiang, Dongguan At least 17 places, including Zhongshan, Zunyi, and Heihe, have introduced new policies on provident funds, including raising the maximum amount of provident fund loans, and many places have proposed relief measures for companies affected by the epidemic.
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Increase the maximum amount of provident fund loans in many places
Increase the maximum amount of provident fund loans in many places and reduce the down payment ratio.
Since April 6 this year, Gansu Province has adjusted the maximum amount of provident fund personal housing loans from 600,000 yuan to 700,000 yuan for married employees and 500,000 yuan to 600,000 yuan for single employees, the first at the provincial level. An area where the provident fund loan amount is increased.
The Guangxi District Direct Housing Provident Fund Management Center has made it clear that starting from March 15, the minimum down payment ratio will be lowered to 30% for employees and their families who purchase a second house or apply for a provident fund loan for the second time.
Nanning, Guangxi will adjust the maximum amount of provident fund loans from June 1 this year. The maximum amount of provident fund loans for the first home is planned to be adjusted to 800,000 yuan, and the maximum loan for the second home is planned to be adjusted to 700,000 yuan.
From April 6, Zhejiang Lishui increased the maximum amount of provident fund loans. The maximum amount of double-payment employees was adjusted from 500,000 yuan to 700,000 yuan, and the single-payment employee maximum limit was adjusted from 250,000 yuan to 350,000 yuan; the minimum down payment for the first home for employees The ratio is reduced to 20%.
Jiujiang, Jiangxi Province made it clear that the maximum loan limit for employee families who have both contributed to the housing provident fund in the central urban area has been increased from 400,000 yuan per household to 600,000 yuan per household.
There are also regions that have preferential policies for families with three children.
Taizhou, Zhejiang Province made it clear that if the same couple who have a third child after May 31, 2021 (inclusive), purchase their first self-occupied housing in the city and apply for a provident fund loan for the first time, the maximum loan amount will be increased by 20%. That is, the maximum loan for unilateral payment is 360,000 yuan, and the maximum loan for both parties is 600,000 yuan.
Chen Xiao, a senior analyst at Zhuge Housing Data Research Center, said in an interview with Sino-Singapore Jingwei that new policies on provident funds have been introduced in many places, releasing positive market signals, which has lowered the difficulty and threshold for home buyers, which is conducive to easing market wait-and-see Sentiment, enhance market confidence, and help ensure reasonable housing demand.
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These local enterprises can delay the payment of provident fund
It is worth mentioning that in recent years, Qingdao, Shenyang, Dongguan and other areas with severe epidemics have successively introduced policies such as postponement of provident fund payment to help enterprises tide over the difficulties.
On April 6, the Shenyang Housing Provident Fund Management Center issued a rescue policy to help enterprises. If it is difficult for enterprises affected by the epidemic to continue to pay according to the existing payment ratio, the housing provident fund can be adjusted after discussion and approval by the workers' congress or trade union. The ratio is as low as 5%.
On the same day, the Qingdao Housing Provident Fund Management Center issued a new policy. Enterprises that have difficulty in operating due to the epidemic and are unable to pay housing provident funds normally can apply for a reduction in the payment ratio or delay payment of housing provident funds after being deliberated and approved by the trade union. The minimum payment ratio can be reduced. 1% to the unit and 1% of each employee, and the preferential period is up to December 2022.
The Dongguan Housing Provident Fund Management Center recently issued a guideline stating that due to the impact of the new crown pneumonia epidemic, the payment and deposit units are difficult to pay. After fully negotiating with the employees, the depositing unit can apply for the payment of units and employees before December 31, 2022 (including the day). The deposit ratio was lowered to a range of 1% to 4% with a term of 12 months.
The Heihe Housing Provident Fund Management Center issued detailed rules that before May 9 this year, small and medium-sized micro-enterprises and individual industrial and commercial households can apply for preferential policies such as phased suspension of housing provident fund payments, delayed payment of housing provident funds, and reduction of housing provident fund payment ratios.
"Assisting small and medium-sized enterprises in solving business problems, to a certain extent, relieves the financial pressure of enterprises, and gives enterprises a chance to breathe." Chen Xiao believes that the current adjustment of provident fund policies to stabilize the market and boost confidence has become an important means and trend.
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Over 60 cities relax regulation
According to Zhuge’s housing data, more than 65 cities have introduced property market loosening policies during the year. In addition to provident fund loan concessions, the policy loosening also involves loosening purchase restrictions, canceling or relaxing sales restrictions, reducing down payment ratios, reducing mortgage interest rates, and housing purchase subsidies.
Regarding future policy trends, in the opinion of Li Yujia, chief researcher of the Guangdong Housing Policy Research Center, for non-hot cities, the probability of exit from purchase and sales restrictions is high, but the possibility of exit in eastern hot cities is small.
On the one hand, the inventory of hotspot cities in the east is very low; the second is to learn from the lessons of the last round of skyrocketing, and to maintain policy determination; thirdly, monetary easing, interest rate cuts, and relief of the impact of the epidemic will objectively help the property market in hotspot cities. , but the policy has a certain time lag, need to wait patiently.
At the level of provident fund adjustment, Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, believes that models such as one province, one policy and one city, one policy will be formed in various regions in the future, which will continue to form a supporting role for the development of real estate in provinces and cities, which will help Promote comprehensive policy relaxation.
(Sino-Singapore Jingwei APP)
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