The "same urbanization" of many provident funds in many places accelerates.

"Tongshi" policy of housing provident funds in various places is accelerating.

On June 24, the signing ceremony of the development of housing provident finance in Xi'an and Weinan was held in Xi'an, marking that the two places will develop long -term mechanisms, data sharing, mutual loan, policy research, talent education and training, etc. In -depth cooperation on cross -regional is launched.

On June 21, Zhengzhou and Kaifeng Housing Provident Fund Management Center signed a housing provident fund cooperation agreement, and the provident fund of the two places realized "information sharing and mutual loan".

On June 17, the Chengdu Housing Provident Fund Management Center released the "Implementation Rules for the Implementation of the City of Housing Provident Fund Management Center (Trial)" to further deepen the employee of the Chengdu Housing Provident Fund Management Center ) Apply for a house to apply for the provident fund loan business to the Chengdu Housing Provident Fund Management Center.

"The practice of provident funds in the same urbanization is implemented in various places, and Shanghai, Jiangsu, Zhejiang and other places have also been implemented. At present, this is a very important orientation that makes cross -cities buying houses in different places. Yan Yuejin, research director of the Institute of Think Tank Center, told reporters of "Daily Economic News" on June 25 through WeChat.

Photo source: Photo Network-400112789

Housing provident fund "acceleration" in the same urbanization

According to the cooperation agreement, Xi'an and Weinan Housing Provident Fund will establish a data sharing mechanism. Relying on the national housing provident fund data sharing platform, the uniform provident fund information sharing application scenarios, in -depth sharing applications in the aspects of loans, extraction, and extension.

At the same time, a mutual loan mechanism will be established. Promote the mutual recognition of the data information of the housing provident funds of Xi'an and Weinan, and further research and refinement on the basis of the existing policies and measures of the two cities, realize that the two cities deposit employees' loans in different places, and ensure that the employees of the depositors of different places and the local deposit employees enjoy it. The equivalent loan rights.

The housing provident fund coordination agreement signed by Zhengzhou and Kaifeng will further facilitate the use of provident fund across regions. In the future, the employees of the two cities can apply directly to the housing provident fund management center for the housing provident fund personal housing loan to the housing provident fund management center. The housing housing provident fund management center shall accept the same conditions of the employee of the employee, and accept the employee's housing provident fund personal housing loan application for personal housing loans. Essence

From the perspective of the agreement, first, Zheng Kai Tongcheng's treatment of housing provident fund loans is implemented; the other is to implement the housing provident fund withdrawal to withdraw the treatment of Zheng Kai Tongcheng. Municipal Housing Provident Fund Management Center, which applies for housing provident fund purchase withdrawal or loan repayment withdrawal business; the third is to facilitate the payment of housing provident fund business in the two places.

Source: Henan Province Housing and Urban -Rural Development Department official website

On June 17, the Chengdu Housing Provident Fund Management Center released the "Implementation Rules for the Implementation of the Chengdu Housing Provident Fund Management Center Tongshi Provident Fund Loan (Trial)", which adjusted the scope of the "number of house recognition sets" to the housing where the employees were purchased in the house. At the same time, the minimum down payment ratio of the purchase of the first house for the same urbanization provident fund loan is adjusted from 30%to 20%, and the minimum down payment ratio of the second set of housing applications for the same urbanization provident fund loan has been adjusted from 40%to 30%.

Source: official website of Chengdu Housing Provident Fund Management Center

In fact, as early as October 9, 2014, the Ministry of Housing and Urban -Rural Development, the Ministry of Finance, and the Central Bank jointly issued the "Notice on the Development of Personal Housing Loan Business of the Development of Housing Provident Fund", requiring "provinces, autonomous regions, and municipalities to realize housing provident fund deposit on different places. Mutual recognition and transfer. Employees pay the housing provident fund at the employment place, and those who purchase self -occupied housing at the place where the household registration is located, the deposit certificate issued by the housing provident fund management center of the employment land, apply for a housing provident fund personal housing for the housing provident fund management center where the household registration is located loan".

In recent years, the implementation of mutual loans of housing provident funds has accelerated. For example, at the end of last year, eight cities including Lanzhou, Taiyuan, Hohhot, Jinan, Zhengzhou, Xi'an, Xining, Yinchuan in the Yellow River Basin signed a strategic cooperation agreement for high -quality development of housing provident funds. In addition, the Guangdong -Hong Kong -Macao Greater Bay Area, the Yangtze River Delta, the middle reaches of the Yangtze River, and the Jiaodong Economic Circle have also signed related associations for provident fund cooperation.

"Mutual Loaning and Mutual Loan" is convenient for buying a house across cities

What needs to be seen is that recently signed the mutual loan agreement of housing provident fund mutual loan also has a realistic industry background.

Taking Zhengzhou and Kaifeng as an example, the current downward pressure on the real estate market is relatively high. According to the latest data of the National Bureau of Statistics, the prices of new commercial housing in Zhengzhou in May are still falling, and the prices have fallen by 0.1%month -on -month; a year -on -year decrease is 2.5%, which is still expanding from April.

According to the official website of the Zhengzhou Municipal People's Government, 6066 units (rooms) were sold in the city's commercial housing in May, with a sales area of ​​728,000 square meters (April 8802 sets (rooms) and 1.036 million square meters). The transaction volume fell significantly. Kerry data also shows that the monthly transaction volume of commercial housing in Zhengzhou's main urban area has fallen sharply compared with last year.

In fact, in order to stabilize the property market, as early as March of this year, Zhengzhou took the lead in relaxing the purchase restriction policy in the national capital cities, and at the same time canceled "recognition of houses and recognizing loans." Since then, the mortgage interest rate and adjustment of provident fund loans have been lowered. On June 20, Zhengzhou announced that it would implement housing tickets in the renovation of the shantytown.

Zhengzhou main urban area of ​​commodity housing transaction volume Trends Source: Ker Rui

Look at the Kaifeng property market. The official website of the People's Government of Kaifeng City shows that in 2021, the sales area of ​​the city's commercial housing contract for 5.7308 million square meters; from January to April this year, the city's commercial housing contract filing area was 1.519 million square meters, which was significantly lower than the same period last year. On June 15, Kaifeng released the "Thirteen Measures for the Sustainable and Healthy Development of the Real Estate Market to Promote the Sustainable and Healthy Development of the Real Estate", which stated that "allowing the land transfer price in installments" and "before land transfer, basic public services such as road network, hydropower and other basic public services must be basically built. "Facilities", "For land, relevant departments should improve supporting facilities such as surrounding schools, commerce, and hospitals as soon as possible, provide favorable conditions for project delivery", and promote the virtuous circulation and healthy development of the real estate market.

The official website of Henan Provincial Housing and Urban -Rural Development Department shows that "Zheng Kai's housing provident funds in the two places realize the same urbanization cooperation, which is conducive to the reasonable allocation of housing provident fund resources between the two places ... Help the real estate market of the two places the healthy and stable development of the two places, which has effectively promoted Zheng Kai Kai Kai The high -quality and healthy development of housing provident fund business in the two places. "

"At present, the cost -effectiveness of investment and subscribing to Zhengzhou's real estate market is relatively higher than Kaifeng. Employees in Kaifeng's depository fund purchase houses in Zhengzhou have reduced costs. This approach can be implemented in other cities across the country, especially some provincial capital cities. You can better drive the surrounding urban circle and surrounding cities to repair the real estate market. "Yan Yuejin said.

[Original real estate, if you like it, please pay attention to WeChat Real-ESTATE-CIRCLE]

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