Shenzhen plans to join the "one -person house gang", the highest loan of 900,000 housing for the provident fund

21st Century Business Herald Reporter Li Sha intern Wu Zhen Beijing Report

The first -tier cities intend to join the "one -person home gang".

On July 6, the Shenzhen Municipal Housing and Construction Bureau issued the "Shenzhen Housing Provident Fund Loan Management Regulations (Draft for Opinions)" (later referred to as the "Draft for Soliciting Opinions"). It mainly includes relevant content of provident fund loan applications, provident fund loans, terms and interest rates, provident fund loan guarantees, provident fund loan repayment and other related content.

Among them, the scope of the applicant has adjusted the market's highest degree of attention. The "Draft for Soliciting Opinions" states that the applicant's spouse, parents, and children can be used as a common applicant. The applicant's spouse, parents, and children are buyers and should be a common applicant.

The "Draft for Soliciting Opinions" also clarifies the specific requirements of the provident fund loan. , And in normal deposits, etc. at the time of application.

In terms of the calculation rules of the provident fund loan quota, the "Draft for Soliciting Opinions" proposes that the provident fund loan loan amount is 14 times the sum of the applicant's public accumulation account balance or the applicant and the computing loan amount.

The maximum amount of provident fund loans that are not higher than a single set of housing, that is, employees apply for the maximum amount of provident fund loan alone is 500,000 yuan, and the maximum amount of joint application is 900,000 yuan. Under the requirements of the preceding paragraph, the applicant and the joint applicant who calculated the loan quota have not withdrawn the provident fund for more than three consecutive years before applying for provident fund loans.

It should be noted that the purchase of housing in Shenzhen's provident fund loan is mainly for employees who pay the provident fund in Shenzhen, as well as Shenzhen household registration employees or their spouses (buying the first house) who are employed in different places and paid the provident fund.

In order to better be in line with the reference price policy of second -hand housing transactions, the "Draft for Soliciting Opinions" adds the evaluation requirements for second -hand housing to the application for the transfer of the applicant to the public loan, that is, the housing of the applicant to the public loan is a second -hand housing, and the original commercial housing The balance of mortgage loans should be lower than 70%of the total price of second -hand housing transactions as an important reference calculation.

Li Yujia, chief researcher at the Housing Policy Research Center of the Guangdong Provincial Urban Rules Institute, said that in the first half of 2022, Shenzhen's new housing residential transactions were sold for 16,126 units, a year -on -year decrease of 38.3%, and 9965 second -hand residential transactions, a year -on -year decrease of 65%. The decline in the transaction of second -hand housing in Shenzhen is much greater than the new house. This was relatively rare in the past. The main reason behind it was that the price and transaction cost of the new house were relatively low, and the supply scale was large.

"The main theme of Shenzhen's future policy is to reduce costs." Li Yujia pointed out when analyzing the new provident fund's new provident fund in Shenzhen. At present, Shenzhen's house purchase mood is relatively low, and the market expects has not yet warmed. In this context, the form of loosening the provident fund policy, especially the "family gang", can not only improve the down payment capacity of buyers, but also improve its monthly supply capacity, but also reduce the burden of monthly supply.

Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, pointed out that the approach to the "one -person house gang" planned by Shenzhen will increase the salary or other income evaluation value of the buyer, thereby increasing the amount of provident fund loan. Similar policies will further reduce the cost of buyers 'buyers and increase the enthusiasm of buyers' buyers.

The 21st Century Economic Herald reporter noticed that Shenzhen was not the first city to support reasonable housing demand in the form of "one -person house gang". Earlier, relevant policies were introduced in Tangshan, Xianning, Chizhou, Quanzhou, Zhuhai and other places. It was allowed to allow parents or children as the calculation of the ability to repay the loan repayment, allow direct relatives to withdraw the provident fund balance to help buyers repay, and further activate the house purchase purchase. need.

On the same day, the Shenzhen Municipal Housing and Construction Bureau also solicited opinions on the "Notice on the Relevant Matters of the Housing Provident Fund withdrawal of the Housing Provident Fund withdrawal business" (later referred to as the "Extraction Regulations"). The documents intend to add housing provident fund to support the renovation of old communities, adjust the housing provident fund business of non -Shenzhen -departure households, and expand the scope of the housing provident fund with the minimum living security of residents.

Yan Yuejin believes that such regulations will help protect the rights and interests of relevant group provident funds, ensure better use of provident fund funds, and reflect the guidance of provident fund to ensure people's livelihood.

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