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For a long time, national housing fund due to "extract" and "robbing the rich" issues such as suffering from media criticism Provident Fund reform has become the most urgent topic. Published recently by the housing and urban-rural construction of the housing provident fund housing loans to individuals in different places about operational issues notice ("notice"), which focuses on promoting off-site lending of housing accumulation Fund, support paid staff off-site housing demand.
This policy, which comply with the aspirations of the actual effect? Home buyers how to do? Interface news a few days ago to the buyers identity, to Beijing and Hebei two off-site housing more areas were consulted.
"Need to be prepared offsite Provident Fund Centre issued and sealed by three documents: Provident Fund deposit certificates, payment details, not in the local loan certificates. If there are accounts, Shijiazhuang, buying real estate, has signed a deal with sales center can. "Shijiazhuang, Hebei Housing Fund Management Center staff to interface this reporter, who very recently in Beijing to pay Provident Fund Advisory offsite purchase details.
According to the Beijing Housing Fund Management Center staff, Beijing Housing Fund Management Center issued a circular on 17th, Beijing's housing Provident Fund deposit employees to provincial and municipal buyers or apply for a loan can be obtained from the provident funds management to issue relevant in Beijing proved. Earlier, Beijing and other cities to carry out Provident Fund loans to each other. However, sounds relatively simple procedures show that staff said: "the procedure quite a lot, it's hard. "
In accordance with the circular of the Ministry of housing, paid into the Fund Center of the city (including the Center, the same below) is responsible for vetting employees of deposit and loan, written proof to the loan fund of the city centre, and in line with the loan fund of the city center to verify information. Loan Fund of the city center and was entrusted with the Bank are responsible for different loan business consulting, receive, review, distribution, collection, alteration and post-loan management, and assume the credit risk.
In addition to the clear housing provident fund housing loans to individuals in different places handling process, the circular also suggested that the Provident Fund management should pay close attention to introduce different loan business rules. Housing Department will also build national housing Provident Fund different loan business information exchange system.
"(The move) will no doubt accelerate the advance of different mutual credit", the Chinese Academy of social sciences researcher, Institute of Economics Wang Lina interface news that, but she also pointed out that housing fund loans will face various obstacles have a policy to implement "mutual credit in different places", but implementation remains difficult.
On October 9 last year, Ministry of housing, finance ministries, central banks from three ministries jointly issued a Housing Fund nine major reforms, "Provident Fund loans in different places", "mutual recognition of different" rules as the biggest highlight, and for the first time explicitly raising the Provident Fund scheme to achieve mutual recognition of different.
Subsequently, propose a number of cities "offsite mutual credits" policy. In February this year, Wuhan, Changsha, Nanchang, Hefei of the four capital cities signed contracts, implementation of the mutual recognition of paid offsite housing accumulation Fund and transferred. Hunan, Hubei, Gansu, Shandong and other places also will be introduced in the province, "mutual credit in different places."
In theory, paid into the Fund in Beijing, you can go to Shanghai or other cities to apply for Fund buyers. However, implementation still meets many realistic constraints. According to many home buyers reaction, when the housing provident fund housing loans in different places, are experiencing real estate denied policies of this kind. Developer for reasons of withdrawal of funds will refuse to use a provident fund, in some cases, real estate offers to the buyers more than one or two points, to "convince" the buyers gave up provident funds. Officials informed farmers were burned to death
Buyers respond, another obstacle is the negative attitude of the banks, house prices are still at high levels, commercial bank lending. But it seems to Wang Lina, and Fund Management Center is what determines the key link of Provident Fund loans can be successfully implemented in different places: "commercial banks at interest obstacles, is not large, it just assist Fund Management Center, as the entrusted Bank of deposits and granting loans, to whom it loans will charge a handling fee. "
"Have provident fund management centres provide loans to those willing to offsite, subject to size restrictions, funds willing to lend, money less reluctant to lend. "Wang Lina said, local funding level of abundance is important:" Midwest regional funds, and loans to people in different places there is no shortage of funds. Many parts of Jiangsu and Zhejiang Provident Fund loans are all on edge, a rate exceeded 100%, had no spare capacity to expand the scale of loans. "
In fact, as early as 2009, belong to the Pearl River Delta, Guangzhou, Foshan, Zhuhai, Zhaoqing in 8 cities signed an agreement started the Provident Fund "offsite mutual credits", 2012 increase mutual credit city Maoming. During this period, however, the lack of settlement between the city and there was crowding out local problems. And in the case of quota is not high, operations and complex procedures. The service faces heavy resistance, so that after the expiration of the original agreement in May last year, has not yet been renewed.
In an interview with Xinhua, Chen Jie, Deputy Director of the Institute of finance and Economics real estate, said under the current system, no connection between Fund centres of the cities, provident fund liquidity when the real estate market well enough, and when the excess liquidity in the market, but all over the Provident Fund is "droughts and uneven" and cannot transfer, formation of "drought" and "flood" needed force.
On the other hand, long reviled for housing accumulation Fund "robbing the rich" on the issue, different loan fund loans will be new rules that seemed to lead to another is not fair. Wang Lina said currently of offsite mutual recognize on has across regional scheduling of trend: "Jiangsu and Zhejiang Guangdong these most rich of area purchase capacity strong, Provident Fund using volume big so make" money shortage ", but many Central and Western economic owes developed area Provident Fund funds precipitation, put owes developed area this rat Lee of of Provident Fund again adjustable to in the East to, obviously deepened has area between of housing well-being distribution injustice of problem. "
Now, in the regional economic development in China is not balanced, residential markets are quite different cases, circulation of the transfer of funds, taking into account many factors and the different loan at this stage is mainly carried out in the provinces. "The economic development in the province is relatively balanced, and is implemented throughout the country, differentiation, inequality will deepen, your loan to push toward the East, in less developed areas of the Midwest market develop? "Wang Lina said.
Many experts, the Provident Fund loans in different places should be graduated. Liu Hongyu, Director of the Institute of real estate Tsinghua University said in an interview with Xinhua News Agency: "the first in the city to coordinate the use, should in the future on the basis of further provincial, national co-ordination, you can greatly increase the efficiency of housing accumulation Fund, effective management of liquidity risk. "
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