Innovation!Zhejiang Longgang Pilot Farmers' Housing Provident Fund System: 50 people on the first day, paying for a maximum loan of 500,000 yuan in 6 months, the lowest interest of 2.7%

"After the implementation of the new policy, a total of 50 people sign up. Next, we will promote it in 13 communities."

Today (September 1), Longgang City, Wenzhou City, Zhejiang Province officially implemented a housing provident fund system for members of the collective economic organization. Cai Qiyao, a member of the party group of the Agricultural and Rural Bureau of the city, told the Daily Economic News reporter by phone in the afternoon.

According to the official platform of the Longgang Municipal Party Committee to propagate the official platform of the Traditional Chinese Commission, Longgang piloted the peasant group into the provident fund guarantee system, and the provident fund management department issued a personal accumulation account. After 6 months of continuous payment of collective economic organizations, they can enjoy the amount of provident fund loan of 150,000 to 500,000 yuan, which can basically cover the fund gap of farmers' purchase and construction houses.

Longgang releases members of the collective economic organization to build a housing provident fund system Source: Longgang released official micro

Progress: The registration of more than 50 households on the first day will be further promoted

As we all know, housing provident funds refer to the long -term housing storage funds of state organs, state -owned enterprises, collective enterprises, foreign -invested enterprises, urban private enterprises and other urban enterprises, institutions, private non -enterprise units, social groups and their employees.

Moreover, the housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas. The measures for the implementation of farmers' depository funds for the innovation and implementation of Longgang City have received widespread attention once they were launched.

Cai Qiyao introduced to the "Daily Economic News" reporter that this pilot work has been planned and discussed since March of this year, and in July, it was recognized by the city's rural homestead reform work leadership group. After more than a month of preparation, it was officially announced to implement it, trying to make a certain breakthrough in the reform of the rural homestead system. "After the implementation of the new policy, a total of 50 people sign up. Next, we will promote it in 13 communities."

According to Longgang issued officials, the first 50 farmers registered with the first batch of farmers will open an individual accumulation account will be issued by the Longgang Provident Fund Management Department.

Unlike the housing provident fund of urban residents, the deposit base of the housing provident fund of members of the collective economic organization of Longgang City is not lower than the minimum monthly wage standard of 1,840 yuan in the previous year of Longgang City. live. The "houseless household" is also subsidized by the monthly payment of local finances. The standard is 25%of the monthly deposit amount of individuals, up to 75 yuan per person per month.

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It is worth noting that according to relevant regulations, after 6 months of continuous payment of collective economic organizations, they can enjoy the amount of provident fund loan of 150,000 to 500,000 yuan, which can basically cover the fund gap of farmers' purchase and construction houses.

"And the loan interest rate is only 2.7%to 3.2%, which is very low compared to commercial banks," Cai Qiyao told reporters.

Expert: It is conducive to promoting further integration of the urban and rural system

Longgang City is located at the southernmost tip of Zhejiang Province and is managed by Wenzhou City. On August 16, 2019, with the approval of the State Council, Longgang withdrew the town to set up a city. It is currently the only county -level city in the country that implements the reform of the administrative system of "large systems and flat". The resident population in the area is nearly 500,000, and about half is a member of the collective economic organization.

According to the official website of the Longgang Municipal Government, in July this year, Longgang City held a meeting of the leadership group of rural homesteads reform work to pass the "Implementation Rules for the establishment of a housing provident fund for members of the collective economic organization of Longgang City". He Zongjing, Secretary of the Municipal Party Committee, pointed out that the reform of the rural homestead system system is an important part of the strategy of rural revitalization. Based on the actual situation of Longgang, boldly explore and try, and pay close attention to the core issues of rural homestead reform.

Anjuke data shows that the price of new houses in Longgang in the past year has been maintained around 15,000 yuan/square meter, and there is a gap between about 5,000 yuan/square meter in Wenzhou's house prices.

Longgang City's new house price trend in the past year Source: Anjuke

Regarding the innovation measures of Longgang City, Wei Houkai, the director of the Institute of Rural Development of the Chinese Academy of Social Sciences and the chairman of the Chinese Rural Development Society, said in an interview with the reporter of the Daily Economic News in the afternoon that the rural residents have always been due to the income level The relatively low, insufficient funds, the quality of the building in the building is not high, and the service life is not long.

"Longgang City's implementation of a more favorable provident fund loan system will be expected to improve the quality and conditions of rural residents, and it will be conducive to promoting further integration of urban and rural systems, realizing equalization of residents' rights and basic public services. The process. "Wei Houkai said.

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