date of June 1, Linyi City, Shandong county housing fund loan limit increased from 20 million to 30 million. In addition, part of the city of Bengbu, Anhui, Jiangxi, Nanchang, Wuhan, Hubei recently introduced a housing fund “New Deal”. In this regard, the relevant government departments “New Deal” to boost “just be”, but people worry that will push up prices.>>
, the New Deal
provident fund loans to expand
16 in Wuhan, Hubei, Shandong Binzhou and other housing fund management center business lobby, to come to consult the public provident fund loans business increased significantly, many business lobby, “a hard to find. some staff back and forth, holding a “clear paper to explain the new policy to the public.
Wuhan, a provident fund loans, the public said: “I like the set is priced at 8100 yuan, with an area of 85 square meters of commercial housing, and can loan up to 55 million, only to come up with 14 million down payment will be able to live on the new house. “
Recently, Wuhan City to fund loans to buy housing relaxation of the loan amount less than 90 square meters, can apply for up to insure loans only pay 20% down payment.In addition to Wuhan, Linyi, the number of cities in the recent introduction of provident fund “New Deal”. Binzhou City housing fund mortgage and credit the amount of the loan period extended from 15 years to 20 years. Bengbu in Anhui Province, the provisions of the purchase of new housing provident fund loan ceiling from 30 million to 35 million in urban areas. Changzhou City, Jiangsu, depending on the degree of difficulty of the provident fund loans to families, to give 80-100% discount.
stimulus just need the crowd home buyers
Wuhan Provident Fund Loan Department is responsible for said Hu Bin, the building housing the Ministry of the clear support of the first suite of housing demand, much Provident Fund policy adjustments just to meet this demand. Just need the crowd to fund loans, lower down payment pressure. The same time, commercial housing loan interest rates, provident fund loans low interest rates around 2.1%, home buyers interest burden significantly reduced.CIC consultant real estate industry researcher
the Yin Xufei also believes that the Fund “New Deal”, intended to stimulate the rigid needs of home buyers, to promote the real estate market supply and demand can be balanced.
Zhongnan University Real Estate Institute, said Zhang Dong, real estate regulatory policy is to curb speculative investment demand. Have the ability to purchase the crowd because of the restriction can not buy a house, and rigid demand facing large buyers difficulties, the introduction of the Provident Fund “New Deal” is necessary, it is also the regulation of real estate towards the refinement of scientific direction of the performance.
Provident Fund to save the city will push up prices
is to boost “just be”, there are still many people worried about the recent number of provident fund of the city “New Deal” in the “curve bailout in disguise, is the real estate control policy relaxed, may raise prices, the impact of the outcome of hard-won real estate regulation.
, the and Qingzhou Cathay Real Estate Co., Ltd., chairman of Li Genwei developers believe that after the implementation of the Fund “New Deal”, will meet the demand for the purchase of some of the first suite, but a limited impact on the property market as a whole volume, not significantly pushing up prices.
“in accordance with China’s fund management system, the maximum amount of provident fund loans adjustment of rights in local government, to adjust the main basis for the local average income level, the provident fund to pay the quotas and prices changes.” said Hu Bin, the current housing prices have been initial control, but has not yet reached the regulation targets. “Restriction” and other mainstream control policy will continue, some parts of the Provident Fund policy of “fine tuning” will not affect the overall situation.Director Li Gang of
Shandong University Real Estate Research Center, believes that under the current regulations, the housing provident fund loans for the first set of the purchase and improvement of housing demand, so prices can not be pushed. Instead, the developers of housing fund in the market actively, it can stimulate further increase the supply of ordinary commercial housing, and even to create the conditions for prices to continue down.
provident fund balance of 400 billion yuan
China Securities Regulatory Commission Chairman Guo said late last year, the National Housing Fund has accumulated deposit of 3.9 trillion yuan, of which more than 10,000 yuan loan out, and the balance of 2.1 trillion yuan. Industry estimates, the fund balance to meet the normal extraction, loans and keep adequate provision for the circumstances, the balance of funds of more than 400 billion yuan, a huge amount of precipitation funds.With the property market is cold, the more to the payment of provident fund loans and loan number to “double down”. Provident Fund loan not to go out, huge stock of “sleeping”, a waste of an asset, has become in many parts of the government’s “urgent needs”. How to reform the fund system “booster” of market regulation has become a new topic. “simplified
Provident Fund using the procedures elected, the urgent need of a breakthrough.” Xu Zhuanming, Hopefluent Shandong regional marketing director said, in some cities use the loan fund is much more complex than commercial loans, using the limited scope of the future extraction of housing accumulation fund the time limit should be more flexible, and allow the fund is widely used in housing renovation, rental housing, and enhance protection for low-income persons. According to the Xinhua News Agency power
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