Super 20 cities support the "one person to buy a house for the whole family"!The whole family provident fund sharing the pressure of buying a house

"China Business Daily"

More and more cities have introduced the new provident fund policy. It is clear that direct relatives can withdraw housing provident funds for paying for buying houses or repaying housing loans, and implement "one person to buy a house for the whole family."

According to the incomplete statistics of surging news, since this year, at least at least including Shaoyang, Chaozhou, Guangdong, Ziyang, Sichuan, Qinhuangdao, Hebei, Zhuhai, Guangdong, Ganzhou, Jiangxi, Cangzhou, Hebei, Chizhou, Yunnan, Tangshan, Hebei, Xianning, Hubei, Quanzhou, Tianjin, Tianjin, Tianjin, Tianjin, Tianjin, Tianjin, Tianjin, More provinces and cities including Anhui, Shenzhen, Shenzhen, Hainan, Henan, Xinyang, Ningxia, Wuzhong City, Ningxia, Zhejiang Huzhou, Lianyungang, Jiangsu, Taizhou, Zhejiang, Gansu Dingxi, Sichuan Suining, and Luzhou, Anhui issued a new provident fund loan policy. , Children's purchase of houses can withdraw their parents' provident funds and implement the "one -person home gang".

Taking Sichuan Suining as an example, on September 5, the Housing and Urban -Rural Development Bureau of Suining City, Sichuan Province released the policy interpretation of the policy and measures of the "Suining Main Urban District to further promote the steady and healthy development of the real estate industry". The "Measures" show that the housing provident fund phased support policy is implemented, and the contributor purchases self -occupied housing in Suining City's jurisdiction. Clear housing mortgage loans can withdraw the housing provident fund of family members (parents and children) for repayment of housing mortgage loans.

Recently, the "Notice on Adjusting the Usage of Housing Provident Fund (Draft for Soliciting Opinions)" formulated by the Hainan Provincial Housing Provident Fund Administration also mentioned the relevant content, and the "Draft for Soliciting Opinions" mentioned the implementation of the "one person to buy the whole family gang" related housing provident fund mutual assistance assistance Using policy to ensure the rigid demand for housing on saving housing.

According to the "Draft for Soliciting Opinions", the "one -person house gang" refers to the buyer who has continuously paid the housing provident fund for more than 6 months in Hainan Province to buy the first self -living house in the province. Relatives' housing provident fund payments pay the first payment of the house and repay the housing provident fund loan.

"Draft for Solicitation of Opinions" clearly states that direct relatives refer to the parents or children of the buyer and their spouse. Buyers' direct family families have no clear housing provident fund loan in Hainan Province and no more than one set of housing (2 children and more families can be relaxed to 2 sets) before they can apply for a house purchase extraction and hedge loan repayment business for direct relatives.

Taking Xinyang, Henan as an example, on September 1, the "Notice of the Office of the People's Government of Luoshan County on the Office of the People's Government of Luoshan County on Printing and Distributing the Stable and Healthy Development Measures (Trial)" released by Luoshan County, Xinyang City, Henan Province, showed that If the storage balance in the housing provident fund account is extracted, the storage balance in the spouse, parents, and children's housing provident fund accounts can be extracted.

Liang Nan, an analyst of Zhuge Finding Data Research Center, pointed out that from a formal point of view, the policy adjustment of the "one -person house gang" policy is based on helping the loan repayment, the down payment of the provident fund payment, and the withdrawal of relatives for payment of the house purchase funds. Further reflects the flexibility and diversity of policy adjustments, and also echo the policy orientation that supports residents' reasonable housing needs.

Liang Nan believes that the introduction of such policies is mainly due to the slow current property market restoration process, coupled with the repeated epidemic situation, which has caused the real estate trading market to weaken. Due to the appropriate adjustment of the city's policy, the city's policy is appropriately adjusted. The economic pressure of home buyers repair residents' purchasing power from the demand side, help residents to boost the emotions of house purchases, and provide a adjustment example of the adjustment of the national provident fund policy, which has certain innovation. It is expected that some cities with low prosperity in the property market are expected to follow up with such policies to promote market expectations.

Source: Surging News

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