Shijiazhuang introduced the new provident fund with the "validity period" provident fund.

Reporter Yu Lili Li Beibei Beijing reported

Is it difficult to buy a house loan? Kata's parents and even father -in -law carried their loans together. At present, many cities across the country are promoting the new provident fund policy of "one person to buy a house gang", which has attracted much attention and hot discussion. On September 6, Shijiazhuang officially joined the camp.

Shijiazhuang New Deal will be implemented from October 1 this year, with a minimum down payment ratio of only 20%. However, the New Deal also mentioned that the implementation period is as of December 31 this year. In other words, at least the two policies, including "continuously increasing the amount of housing provident fund rental withdrawal" and "reducing the proportion of down payment ratio of housing provident fund loans", are temporarily implemented for three months.

"Huaxia Times" reporter noticed that in August this year, the number of new house trading sets in Shijiazhuang decreased for the first time in 6 months, and a sharp decrease of about 40%from the previous month.

On September 8th, Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Rules Institute, told the "China Times" reporter that the "one -person house gang" policy was launched in the background of the downturn in the property market. It may be canceled.

Guo Yi, chief analyst of He Shuo Agency, analyzed the reporter of the Huaxia Times on September 9: "Shijiazhuang market is still more than demand. At this stage, (policy concessions) dividends are compared to the income obtained by future house prices. , It's not the "window period ', the policy may not have to bottom out yet."

Parents on both sides can repay the loan together

On September 6, the Shijiazhuang Housing Provident Fund Management Committee announced the "Notice on Further Expand the Polication Policies of Housing Provident Fund" (hereinafter referred to as the "Notice") and announced the "expansion of the scope of withdrawal of the withdrawal of housing provident fund loans." In short, buying a house can "hold a loan". Among the four elders, parents, parents, and four elders can choose two joint loans.

On September 8, Li Yujia told the reporter of "Huaxia Times", "The current situation is that the house price is high, but the residents are not expected to be high, the enthusiasm for buying a house, and the property market transaction has also been significantly down. But at this stage, the water level in the water level in the provident fund pool It is high. Therefore, the policy of introducing the "one person to buy a house" is also logical. "In addition, Li Yujia also said that" one person buying a house for the whole family "is in line with my country's national conditions. Parents are loan for their children, which is in line with the mainstream emotional laws.

The "Notice" mentioned that the latest policy will be implemented on October 1 this year. "Huaxia Times" reporter noticed that the "Notice" was stamped on August 23. It is worth mentioning that the title of the "Notice" declares that this is a "phased support policy", but the reporter noticed that the scope of "expanded the withdrawal of housing provident fund loans" The New Deal, Shijiazhuang City has not specified the specific restrictions of implementation in the "Notice".

In this new policy, a total of three latest policies have been proposed. In addition to the "expanding the scope of the withdrawal of the withdrawal of the housing provident fund loan", it also mentioned that "continuously increasing the withdrawal amount of housing provident fund rental" and reducing the "housing provident fund loan down payment ratio" support " policy. It is worth noting that the "Notice" clearly states that the implementation time limit is tentatively set to December 31, 2022, that is, the implementation period starts from October 1, and the implementation period is 3 months.

Recently, a reporter from the Huaxia Times sorted out the official information of the new provident fund new policy of multiple cities found that many cities mentioned that the house was used to "live" in the notice of promoting the new provident fund. Essence

Compared to the other two new policies, the "expanding the scope of withdrawal of the withdrawal of the housing provident fund loan" is more concerned because it involves the "one person buying a house for the whole family". However, the policy of "one person to buy a house" policy is also restrained. In short, the 6 provident coats of the family can be extracted, but the total amount of withdrawal must not exceed the current total loan principal interest rate.

In response to the "phased support policy" mentioned in the "Notice", on September 8th, Li Yujia analyzed the reporter of the Huaxia Times that it has not been implemented before the "Parenting Fund". The main reason is because of the downturn in the property market. However, if the market heat is restored in the future, the "phased support policy" may be canceled. At that time, the buyers who need to buy a house will not be able to enjoy the dividend of "one person to buy a house".

According to the "Shijiazhuang Housing Provident Fund 2021 Annual Report", 80%of Shijiazhuang's house buyers are under 40 years old. 97.50%, high income accounts for only 2.50%.

"Shijiazhuang Housing Provident Fund 2021 Annual Report" shows that 29%of the purchase, construction, renovation, and large -scale self -residential housing accounted for 29%, the principal and interest of repayment of house purchase loans accounted for 36.05%, leased housing accounted for 6.68%, and retired and retired extraction accounted for 15.83%, which completely lost labor. The ability to terminate the labor relationship with the unit accounted for 0.02%, and the others accounted for 12.42%.

It is worth noting that the "Shijiazhuang Housing Provident Fund 2021 Annual Report" shows that among employees, low and medium revenue account for 89.01%, and high income accounts for 10.99%. Guo Yi said that the design of the new provident fund is more humane and covers more low -income families.

"Huaxia Times" reporter noticed that in February this year, the number of new house transactions in Shijiazhuang City was 1176. Since then, it has shown an upward trend every month, with a transaction of 3072 units in July. However, in August this year, the transaction volume of the new house dropped sharply, with a number of transactions of 1845 units, a decrease of about 40%month -on -month. Guo Yi told the reporter of the Huaxia Times that the implementation of the new provident fund policy is not only the help of buying a house for low -income households, but also the starting point for promoting the vitality of the property market.

Reduce the proportion of housing provident fund first payment

It is worth noting that there is such a group, only one of the couples work, only one of the family has provident fund reserves, and the other five have no provident sachet. Alternatively, the couple have provident fund, but the parents of both parties have no provident fund reserves.

Obviously, these two types of groups cannot enjoy the dividend of "one person buying a house gang", but another measure of the "Notice" "reduces the proportion of housing provident funds down payment" can effectively help them.

The "Notice" pointed out that the minimum or second set of self -occupied housing is used to purchase a family first or second set of self -living houses in Qiaoshuang District, Chang'an District, Xinhua District, Yuhua District, and High -tech Zone of Shijiazhuang City. 30%. In other areas of Shijiazhuang City, the minimum down payment ratio shall not be less than 20%of the total house price.

For the renting crowd, the New Deal of Shijiazhuang Provident Fund also gave preferential policies. The "Notice" pointed out that if it meets the conditions of the housing provident fund rented by Shijiazhuang, the employee and their spouse may apply for the balance of the housing provident fund account, and each person withdraws once a year, and the withdrawal amount does not exceed 12,000 yuan. In addition, the "Notice" also pointed out that starting from October 1, 2022, when the renting of the rental house, the lease contract for the registration and registration of Shijiazhuang housing rental supervision service platform will be provided. More than 15,000 yuan.

"Huaxia Times" reporter noticed that on July 20 this year, the Shijiazhuang Housing Provident Fund Management Center held a "phased support policy preaching conference". The relevant content showed that the relevant policies had proposed at the time that the amount of rent extraction was 9,600 yuan per person per year per person. Increase to 12,000 yuan. From June 1st to December 31st, the depositor who purchased a house was changed from a single extraction to multiple extraction.

On June 14 this year, the leader of the Hebei Provincial Department of Construction led a team to the Shijiazhuang Housing Provident Fund Management Center for investigation that it was necessary to improve the political standing, fully implement the housing provident fund support policy, continue to emancipate the mind, and make every effort to play the role of housing provident fund.

Regarding the "phase" of the New Deal, Guo Yi believes that after the three -month implementation period, the market heat recovery is unlikely, because 3 months are indeed not long. Therefore, the so -called tentative three -month implementation period actually increases the flexibility of government regulation. After the 3 months expires, the policy can continue to delay or relax according to the specific situation. However, if the sales of the market are mobilized, it is easy to stop the relevant new policy in time and avoid speculation in speculation in order to control potential risks.

Guo Yi also analyzed that at present, more than 20 cities in the country have implemented the "one -person house gang" policy. Specifically, the market reflection of this measure is also different. For third -tier cities such as Shijiazhuang, in fact, the market is still greater than demand. For those who need to buy a house, the relevant policies have reduced the repayment pressure and directly or indirectly increased the loan limit. However, at this stage, the dividend at this stage is not the "window period" compared to the income obtained by the future house prices that may be down, and the policy may not have to bottom out.

Editor -in -chief: Zhang Bei Editor: Zhang Yuning

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