Multi -city densely issued a housing loan dealer to the public policy, and the provident fund has become a promotion point to boost the property market.

25.09.2022

Number of this text: 1423, the reading time is about 3 minutes.

Introduction: Recently, including Jilin Changchun, Pu'er in Yunnan, Fangchenggang, Guangxi, Gansu Gannan Prefecture, Luoyang, Henan, and Hanzhong in Shaanxi, there are many intensive release of mortgors to transfer public policies.

Author | First Finance Lin Xiaozhao

Recently, there have been intensive release of housing loan vendors to publicly issued a housing loan transfer policy in many places such as Pu'er in Yunnan, Guangxi Fangchenggang, Gansu Gannan Prefecture.

The Pu'er Housing Provident Fund Public Service Platform of Yunnan Province shows that the recent Pu'er Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) issued the "Notice on Opening a Commercial Bank Housing Loan Transfer Provident Fund Loan Business" (hereinafter referred to as the "Notice"), which will be implemented by individuals Commercial housing loan to transfer to the housing provident fund business.

According to the "Notice", commercial bank housing loan transfer provident fund housing loan business refers to the employee family who pays the housing provident fund in Pu'er City to purchase a personal commercial housing loan (hereinafter referred to as commercial housing loans here when they purchase and built a house in Pu'er City (hereinafter referred to as commercial housing loans ) During the normal repayment period, the provident fund center applied for the total balance or part of the balance of commercial housing loans to the business of the personal housing loan of the housing provident fund personal housing loan.

The interpretation of the Pu'er Housing Provident Fund Management Center stated that the transfer of commercial transfer and commercial transfer is the abbreviation of commercial personal housing loan transfer provident fund loans. This business is a provident fund convenience business to reduce the pressure of employees to repay the loan repayment, reduce loan interest expenses, and protect the legitimate rights and interests of employees.

On September 21, the Luoyang Housing Provident Fund Management Center of Henan Province issued the "Announcement on the Management Measures for the Administrative Measures for the Administration of Public Housing Loan for Commercial Personal Housing Loans for Commercial Personal Housing Loans". The method is clear that the commercial loan transfer provident fund loan is handled by the first repayment and then loan. That is, the employees who have applied for commercial loans to apply for a commercial loan to the center. After the center's consent, the employee pays the business loan with the self -raised funds and handles the relevant procedures, and the center will issue a loan transfer fund loan.

On the same day, the Fangchenggang Housing Provident Fund Management Center of Guangxi Zhuang Autonomous Region issued the "Notice on the Promotion of the Promotion of Commercial Bank's Housing Loan Transfer of Housing Loan Transfer of the Housing Loan of Housing Loans in Fangchenggang City Housing Provident Fund Management Center. The "Notice" shows that in order to improve the convenience of provident fund government services and reduce the pressure of borrowers 'fundraising, Fangchenggang City decided to carry out commercial banks' personal housing loans to transfer housing provident fund loans to exempt from self -funding.

In addition, Changchun, Gannan Prefecture, Gansu Province, and Hanzhong City, Shaanxi Province have recently launched a mortgage merchant to transfer business.

58 Zhang Bo, Dean of the Branch of Anju House Real Estate Research Institute, analyzed the First Financial Analysis of the First Finance and Economics. Commercial loan interest rates are also a lot higher than the provident fund loan interest rate. Therefore, through the way of transfers to the public, it can still effectively reduce the repayment pressure of buyers.

According to the WeChat public account of the CPC Hanzhong Municipal Committee of the Propaganda Department of the Chinese Municipal Party Committee, "Released in Hanzhong", the Great Jiao Benlu, Policy and Regulations of the Housing Provident Fund Management Center of Hanzhong City: "The current commercial loan interest rate is generally about 4.5%, and the provident fund loan is now executed within 5 years of the first house year year. The interest rate is 2.75%, and the annual interest rate of the first house of more than 5 years is 3.25%. The preferential policy of 10%of the two suits is relatively low. In the current economic environment, the introduction of this policy can effectively reduce the repayment pressure and pressure and repayment pressure and the employee's repayment pressure and the pressure and the repayment pressure and pressure and the employees The cost of buying a house. "

On the whole, since this year, the provident fund support policy has become a major focus in the loose policy of the property market in this round. The provident fund support policies issued by various places include various measures such as mortgiers to transfer to households, provident funds to buy a house, increase the amount of provident fund loans, and extend the period of provident fund loan.

For example, in terms of provident fund loan periods, Sichuan Guangyuan proposed that the age limit of the provident fund loan is relaxed, and a lender who has good personal credit and ability to repay can appropriately relax the loan period to 5 years after retirement (the loan period does not exceed 30 years).

Zhang Bo analyzed that the provident fund was delayed to five years after retirement, so the repayment period of the provident fund was extended, which could reduce the monthly supply pressure. In general, the easing policy of the property market in various places this year has focused more on provident funds, because the overall loan interest rate of the provident fund is much lower than that of commercial loans.

At the same time, the lowest down payment for the provident fund to buy a house can generally reach 20 %. Therefore, for residents to buy a house, there are relatively significant reduction in the two aspects of house purchase threshold and loan repayment pressure, especially in some cities with lower housing prices in the third and fourth -tier lines. This characteristic and role are more obvious.

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