Zhongxin Finance, June 9 (Zuo Yukun) The provident fund, which is closely related to thousands of families buying houses, has recently undergone new changes in many places.
In addition to reducing the down payment ratio and raising the maximum amount in the "routine operation" in this round of property market adjustment, some new tricks and tricks have also been introduced one after another.
Data map: real estate.
Photo by Sun Quan
"One person buys a house and the whole family helps"
At the beginning of June, Zhuhai City, Guangdong Province, one of China's special economic zones, issued the "Work Plan for Giving Full Play to the Role of Housing Provident Fund to Support Services "Industry First".
Among them, the policy of "one person buying a house for the whole family" has aroused considerable attention.
Specifically, employees who have deposited provident fund in Zhuhai can withdraw 90% of the account balance to help their immediate family members (spouse, parents, children) pay the down payment for the purchase of a house, or withdraw the provident fund according to the loan repayment and withdraw the provident fund monthly to help them. Their immediate family members (spouse, parents, children) repay the home loan.
Some people think that this approach has the risk of "tying the whole family to the car" and the suspicion of "encouraging the old man". Others believe that this move is also conducive to making the provident fund play a greater role.
Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, pointed out that this time, the account amount of the provident fund was clarified, not the family members' own funds or savings as previously understood.
"After the new provident fund policy was issued, buyers came to consult soon. They felt good, their parents had been restricted from purchasing, and the provident fund was also idle in the account. There is a risk of depreciation, which is quite wasteful." A real estate agent in Zhuhai told a reporter from China News and Finance.
"There are still people who come to consult, if the children have a house and the parents do not have a house, can they buy a house in the name of the parents. The details have not been released yet, but it seems that the immediate family is OK. We will remind the parents to pay attention to the mortgage period if they are older. It may be shorter." The real estate agent mentioned above.
"This is also an innovation in the provident fund loan policy, which is innovative and exemplary. The orientation of the provident fund policy to support enterprises and employees will be clearer." Yan Yuejin believes.
The same idea was soon implemented in Ziyang, Sichuan.
On June 6, Ziyang City issued the "Notice on Policies and Measures to Promote the Stable and Healthy Development of the Real Estate Market", which proposed the implementation of intergenerational mutual assistance among provident fund families.
Specifically, if the paid-in employees purchase self-occupied housing within the administrative area of this Municipality, they may apply for the withdrawal of the housing provident fund for their parents or children to pay for the purchase; , applying for a housing provident fund loan is not subject to the restriction on the share of the property rights of the jointly purchased house owned by the employees who have contributed.
Data map: real estate.
Photo by Gao Ruifeng
More local provident funds reduce the down payment ratio to 20%
Since February, "20% down payment" has repeatedly appeared in the standard of commercial bank loans.
With the gradual widening and deepening of the policy pool, the down payment ratio of the provident fund has also ushered in an update.
On the 7th, the Housing Provident Fund Management Center of Nanchang City, Jiangxi Province issued the "Notice on Adjusting the Down Payment Ratio of Housing Provident Fund Loans in Our City", and the families of employees who have paid in the housing provident fund loans to buy the first ordinary housing (including commercial housing loans transferred to housing provident fund loans) , the minimum down payment ratio is adjusted from 30% to 20%.
On the same day, Zhejiang Wenzhou Housing Provident Fund Management Center issued the "Housing Provident Fund Phased Support Policy", which clearly stated that the minimum down payment ratio for housing provident fund loans was reduced to 20% for the purchase, construction, renovation and overhaul of the first self-occupied housing by employee families.
On the 6th, the website of Xuzhou Housing Provident Fund Management Center released the "Notice on the Implementation of the Phased Policy of Housing Provident Fund".
For those who use housing provident fund loans for the first time, the down payment ratio for new commercial housing is adjusted from 30% to 20%, and the down payment ratio for second-hand housing is adjusted from 40% to 30%.
On the same day, the Housing Provident Fund Management Center of Tangshan City, Hebei Province issued a document stating that the minimum down payment ratio for housing provident fund loans has been adjusted from no less than 30% to no less than 20% for employees who have paid for their first and second self-occupied housing.
Earlier, more than ten places including Fuzhou in Fujian, Xi'an in Shaanxi, and Baotou in Inner Mongolia all lowered the minimum down payment ratio to 20% for the purchase of the first home with provident fund loans.
According to the actual situation in various places, many places have also partially adjusted the maximum loan amount of the provident fund.
For example, on the 7th, Shangqiu, Henan adjusted the single-person provident fund loan amount from 400,000 yuan to 500,000 yuan, and the husband and wife from 600,000 yuan to 700,000 yuan.
On the 6th, Qinhuangdao, Hebei Province proposed that the upper limit of the single-payment employee provident fund loan limit was adjusted from 400,000 yuan to 600,000 yuan, and the upper limit of the double-payment employee family loan limit was adjusted from 600,000 yuan to 800,000 yuan.
Data map: Changsha real estate.
There is still room for the postponement of provident fund payment and the increase of rental quota
On the 7th, the Beijing Municipal Housing Provident Fund Management Center issued the "Notice on Implementing the Phased Support Policy of Housing Provident Fund", which emphasized that units affected by the epidemic can apply for a postponement of provident fund payment, and the depositor's rental withdrawal amount will be increased.
This is also the main adjustment direction of the provident fund policy recently.
In terms of provident fund deferred payment, Changsha, Hunan made it clear on the 7th that enterprises in difficulties can apply for the postponement of provident fund payment online, and the loan rights and interests of employees in difficulties will not be affected; Guangxi Wuzhou issued a document on the 6th, saying that enterprises affected by the epidemic will have their employees in the previous year. If the average salary income is lower than 70% of the average monthly salary of employees in Wuzhou City in the previous year, they can apply for a postponement of the payment of the housing provident fund from June to December 2022 according to the regulations, and make up the payment after the expiration.
"The purpose of delaying the payment of social security including provident fund and postponing the repayment of provident fund loans is to stabilize market entities, stabilize jobs, boost market confidence, and fully protect private enterprises, low- and middle-income groups, and small, medium and micro enterprises." Guangdong Provincial Planning Institute Li Yujia, chief researcher at the Center for Housing Policy Research, said.
In terms of housing provident fund rental, Quzhou, Zhejiang proposed on the 8th to support depositors and their spouses renting to withdraw provident funds, with a maximum of 2,000 yuan / month; Zhejiang Hangzhou announced on the 6th that the depositors can withdraw the housing provident fund account balance on a monthly basis, and the withdrawal limit is based on the current There is a standard increase of 25% to determine.
The release of such policies can be traced back to May 24, when three departments including the Ministry of Housing and Urban-Rural Development issued a notice that all localities could increase the amount of housing provident funds for renting houses; enterprises affected by the epidemic could apply for a deferral of housing provident funds to guide the development of provident fund work in various places.
"In addition to the increase in the quota and the reduction in the down payment ratio, the housing provident fund policy has more room for optimization, whether it is from enterprises or households, whether it is buying a house or renting a house." Yan Yuejin believes that this will help further enrich and improve the current housing financial policy. The content directly hits the pain points of the market, and exerts the policy effect of housing provident fund protection, convenience and support.
(Finish)