Over 20 cities support housing provident fund as down payment: speeding up the pace of entry of just-needed groups
"Housing provident fund can be used as a down payment" is becoming one of the contents of the property market policy toolbox in various places.
According to the incomplete statistics of The Paper, as of now, at least Qingdao in Shandong, Meizhou in Guangdong, Meishan in Sichuan, Xiamen in Fujian, Mianyang in Sichuan, Shenyang in Liaoning, Zunyi in Guizhou, Ziyang in Sichuan, Shanwei in Guangdong, Zhuhai in Guangdong, Quanzhou in Fujian, Nanping in Fujian and Zhangzhou in Fujian , Guangdong Chaozhou, Guangdong Huizhou, Guangdong Zhongshan, Fujian Longyan, Sichuan Ya'an, Anhui Chizhou, Anhui Lu'an, Anhui Huainan and other over 20 cities mentioned that the provident fund can be withdrawn for down payment and house purchase.
Taking Meizhou, Guangdong as an example, recently, the Meizhou Housing Provident Fund Management Center announced the "Implementation Rules for Employees to Withdraw Housing Provident Funds as Down Payments for House Purchases", which clarifies that employees and their spouses in Meizhou City can purchase commercial housing (or second-hand housing) within the city's administrative area. ), and sign a house purchase contract with a real estate enterprise (or go through the transfer procedures of the real estate certificate with the seller) but the down payment has not been paid in full, the provident fund can be withdrawn as the down payment.
Taking Qingdao, Shandong as an example, on August 31 this year, the Qingdao Housing Provident Fund Management Center issued a notice on supporting employees to withdraw housing provident funds to pay the down payment for house purchases. The housing provident fund in the name of the buyer and his spouse is withdrawn to pay the down payment for the purchase of the house.
At the same time, the scope of withdrawal of the above-mentioned policies will be gradually relaxed. Within one year from the effective date of this notice, those who purchase the first self-occupied house of the family will support the homebuyers and their immediate family members to withdraw the housing provident fund to pay the down payment for the purchase of the house. The validity period of the policy is relaxed. From September 1, 2022 to August 31, 2023.
After the implementation of the New Deal, the effect of the policy began to show.
According to the data disclosed by Qingdao Housing Provident Fund Management Center on October 8, one month since the implementation of the new policy of withdrawing housing provident funds to pay the down payment for house purchases, the Municipal Housing Provident Fund Management Center has handled the information filing of 352 real estate fund supervision accounts, and has withdrawn housing for employees. The provident fund of 4.73 million yuan pays the down payment for house purchases, supports rigid and improved housing demand, further guides market expectations, boosts housing consumption, and promotes a virtuous circle and healthy development of the real estate industry.
Anhui Huainan also supports provident funds for down payment.
On May 24 this year, Huainan City issued the "Opinions on Promoting the Stable and Healthy Development of the City's Real Estate Market", which also mentioned that the housing provident fund can be withdrawn to pay the down payment for the purchase of new commercial housing.
As of July 25, data released by the Huainan Housing Provident Fund Management Center shows that since the implementation of the new policy, Fengtai Branch of the Municipal Provident Fund Center has handled 12 cases of supporting employees to withdraw provident funds for the down payment of house purchases, amounting to 1.445 million yuan; new loans of 48 The amount of 17.942 million yuan; a total of 5,400 square meters of housing area was supported for employees, and the housing consumption was directly driven by 33.4787 million yuan.
Zhang Bo, director of the 58 Anju Room Property Research Institute, pointed out that in the past, if the provident fund in most cities needed to be withdrawn, it was generally used to repay the principal or offset the monthly payment after the loan was processed.
It is clear that the provident fund can be used as the down payment for the purchase of a house, which reflects that the provident fund has more convenience in the use level, and can play a greater role in the provident fund, and release some accumulated and long-term unused provident funds.
In the actual house purchase process, the ability to pay will be improved, and the pace of entering the market, especially the first set of rigid needs, will be accelerated, and the utilization rate of the provident fund will be improved as a whole.
Chen Xiao, a senior analyst at Zhuge Housing Data Research Center, mentioned that from the perspective of city distribution, the cities that introduced this policy are mainly third- and fourth-tier cities, supplemented by some weak second-tier cities. The loosening of the round of policies actually has a limited boost to the market, and the market needs more substantial and powerful policy support.
From the perspective of policy measures, the provident fund policy has been an important means of policy adjustment since the beginning of this year. From the initial increase of the provident fund loan amount and the reduction of the provident fund down payment ratio, etc., to directly allowing the provident fund to be withdrawn as a down payment, this is an advanced process of loosening the policy. The support for home buyers is even greater, releasing a more flexible and loose policy orientation in the use of provident funds in the future.
From the effect point of view, the policy is of great significance for appropriately reducing the purchase cost of home buyers and further alleviating the pressure on home buyers to purchase funds. Rigid and improved housing demand release.
(The Paper reporter Ji Simin Surging News)