During the year over 120 cities, multi -dimensional adjustments to adjust the housing provident fund loan policy

On September 13, the Xuzhou Housing Provident Fund Management Center of Jiangsu Province issued the "Notice on the Phase Intrathy Housing Provident Fund Loan Policy" (hereinafter referred to as the "Notice"). Relding to 1 million yuan. At the same time, the "Notice" also gave a certain policy tilt to the three -child family.

According to incomplete statistics from the Securities Daily, as of September 14, more than 120 cities or regions have been released nationwide, and this year has issued a policy of adjustment of housing provident fund loans once this year.

In an interview with the Securities Daily reporter, Bi Ran, a senior investment consultant of Donggao, said that the phased policy is mainly to promote the recovery of the current property market. On the one hand, it can stabilize market confidence and increase the enthusiasm of developers' investment; on the other hand, it can also reduce consumer thresholds so that people with demand for house purchase can participate in housing transactions.

In an interview with the Research Director of the Tongze Research Institute, Song Hongwei said in an interview with the Securities Daily that in August, the Xuzhou property market was still relatively sluggish, so the provident fund policy would be added again.

According to a reporter from the Securities Daily, 120 cities or regions that have issued a housing provident fund loan adjustment policy have been released. According to the adjustment direction, it is divided into reduction of down payment ratio, increasing loan quotas, relaxation of loan restrictions, and supporting multi -child household purchase.

放宽限制方面，例如，山东省潍坊市近日出台的《关于优化调整住房公积金贷款政策的通知》，明确申请公积金贷款缴存时限从连续12个月降至6个月以上；降低首付比例方面，包括Shijiazhuang, Chongqing, and Fu'an City have all reduced the down payment ratio of provident fund loans.

"For buyers, provident fund loans can save a lot of house purchase costs and reduce subsequent repayment pressure." Bi Ran said.

Regarding the trend of the domestic property market in the future, Bi Ran believes that from the latest data, financial statistics released by the central bank in August show that residents' medium- and long -term loans have improved in July, but compared with the same period last year, it has decreased. In August, the new and long -term loans of new residents were 265.8 billion yuan, an increase of 117.2 billion yuan from July (148.6 billion yuan), but a decrease of 160.1 billion yuan compared with the same period last year. obvious. If the real estate supply side can be cleared in an orderly manner, the property market will usher in stability or even staged recovery in the future.

Song Hongwei believes that, in addition to individual cities such as Shanghai and Chengdu, the real estate market in most cities across the country is still sluggish, and it has shown a continuous downward trend since June. According to the trend of my country's real estate market cycle, the downward trend will continue until the first half of next year. (Securities Daily)

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