Our reporter Peng Yan

　　On July 6, the Shenzhen Municipal Bureau of Housing and Construction issued a notice on soliciting opinions from the public on the "Shenzhen Housing Provident Fund Loan Management Regulations (Draft for Comment)" (hereinafter referred to as the "Regulations"). The market is highly concerned.

After sorting out, a reporter from Securities Daily found that since this year, many cities have launched the policy of "one person buying a house and helping the whole family" in the management of provident funds.

　　Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, told the "Securities Daily" reporter that the policy issued by Shenzhen this time has improved the salary or income evaluation of home buyers, and can borrow more provident funds, which is conducive to further reducing the number of home buyers. The cost of buying a house will increase the enthusiasm of home buyers.

　　In addition to the obvious relaxation of the provident fund loan policy, according to the reporter's understanding, the loan time of banks in many cities has been further accelerated.

Taking a second-hand house as an example, with complete information, some banks can release the loan as soon as the next day after the house has been transferred and mortgaged.

　　Adjustment of provident fund loan policies in many places

　　It is reported that the main contents of the revision of the "Regulations" include streamlining the definition of provident fund loans and adjusting the scope of joint applicants.

The "Regulations" make it clear that the applicant's spouse, parents, and children, regardless of whether they have paid housing provident funds or not, can be joint applicants. If the applicant's spouse, parents, and children are house buyers, they should be joint applicants.

This means that "one-person house-buying and whole-family help" is expected to become a reality in Shenzhen.

　　In fact, in addition to Shenzhen, many cities have also introduced the "one-person house-buying-the-family help" policy in terms of provident fund management.

On July 5th, the Tangshan Housing Provident Fund Management Center announced the launch of the "one-person house-buying and whole-family help" policy, which clearly stipulates that all employees who buy houses in Tangshan City on June 1st this year can enjoy the new policy. The new policy will be processed on July 15, 2022. .

　　According to the reporter's incomplete statistics, in addition to Shenzhen and Tangshan, since this year, Xianning, Chizhou, Quanzhou, Zhuhai, Tianjin, Ganzhou, Cangzhou, Qinhuangdao and other places have added down payment withdrawal policies in the new policies on provident fund loans, that is, support and their immediate family members (spouse, parents, children) to withdraw the provident fund to pay the down payment or the purchase price for the purchase of a house, and implement "one person to buy a house and the whole family to help".

　　According to the reporter's information, since the beginning of this year, housing provident fund policies have been adjusted frequently in various places. The property market support policies launched by many cities also involve increasing the loan amount and reducing the down payment ratio for house purchases.

On July 6, Xinyang City, Henan Province introduced 17 new policies to stabilize the property market, including increasing the maximum amount of housing provident fund loans, and the ability to withdraw the housing provident fund balance of spouses, parents, and children for housing purchases.

On July 5, Pu'er City, Yunnan Province issued a new housing provident fund policy, which proposed to increase the maximum loan amount, reduce the loan down payment ratio, adjust the withdrawal and loan interval, and expand the scope of housing provident fund withdrawals.

　　Talking about the reasons behind the loosening of the provident fund policy, Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Planning Institute, believes that, first of all, the provident fund policy is a localized policy. The purchasing power of this group of people is relatively stable; secondly, the current housing prices are too high, and the confidence and expectations of home buyers are insufficient. In this case, the policy should also be adjusted accordingly to improve the ability of home buyers to make a down payment and monthly payment.

　　Bank lending time is shortened

　　In addition to the increasing efforts to loosen the provident fund loan policy, banks have recently accelerated their credit lending process significantly.

Taking Shenzhen as an example, the mortgage lending time of most banks in the region has accelerated again.

　　A staff member of a major state-owned bank in Shenzhen told the "Securities Daily" reporter that compared with the previous lending time, the current overall lending speed has increased a lot.

"In terms of the process, it takes about 2 to 3 working days from the submission of materials to the bank's completion of the system approval process, and the loan will be released within 2 to 3 working days after the transfer and mortgage is successful, and the loan can be released within a week at the fastest throughout the process. "

　　"The loan process is indeed accelerated now, because the mortgage loan amount is relatively sufficient. As long as the materials are submitted according to the requirements and the approval process is smooth, the loan speed is basically faster." The personal loan manager of another joint-stock bank also told reporters. disclose.

　　The personal loan manager of a bank branch in a certain tier city also told reporters that the bank's mortgage loan amount is now sufficient and the loan time is shortened.

Taking a second-hand house as an example, after the approval is completed, and after the house has been transferred and the property mortgage is completed, the bank can release the loan as soon as the next day.

　　Similar situations are also playing out in other cities.

"Securities Daily" reporters learned after investigation that banks in second- and third-tier cities have significantly accelerated their lending and loan approval rates.

The staff of several banks in Tangshan City, Hebei Province told reporters that it takes about a week for normal approval at present, and the loan can be released the next day after the relevant production certificate is issued and the mortgage is completed.

In addition, the transfer process of second-hand housing transactions is also more simplified, and business can be handled online.

(Securities Daily)