Convenient for buying a house across the city, more provident funds, the same urbanization acceleration

The same urbanization of housing provident fund policies 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. Earlier, 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, mutual recognition and mutual loan". Earlier 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)" to further deepen the employees of the Chengdu Housing Provident Fund Management Center ) Zi (Yang) purchase a house and apply for the provident fund loan business to the Chengdu Housing Provident Fund Management Center.

Source of data: Ministry of Housing and Urban -Rural Development, Wind, Everbright Securities, CITIC Securities Yang Jing's picture Visual China Map

"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. This is a very important orientation that makes it easier for cross -cities to buy a house in different places. Yan Yuejin, research director of the Institute of Think Tank Center, told the reporter of "Daily Economic News" on June 25 through WeChat.

The initial payment ratio can be as low as 20%

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

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%.

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 relevant associations for provident fund cooperation.

Convenient to buy 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, down 0.1%month -on -month; a year -on -year decrease of 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 of Zhengzhou in May, with a sales area of ​​728,000 square meters, and 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 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 provincial 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.

Look at the Kaifeng property market. According to the official website of the People's Government of Kaifeng City, from January to April this year, the sales area of ​​the city's commercial housing contract 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.

"At present, the cost -effectiveness of the investment and subscription of Zhengzhou real estate market is relatively higher than Kaifeng. This approach can be implemented in other cities across the country, especially some provincial capital cities, which can better drive the surrounding urban areas and surrounding cities, repair the real estate market"Yan Yuejin said.Daily Economic News

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