Source: CCTV Finance
Since the beginning of this year, all localities have vigorously developed affordable rental housing, recently, Guangzhou took the lead in piloting the monthly automatic deduction of housing provident fund to repay rent services, and the future rental is also similar to buying a house, and the balance of the housing provident fund account can be used to automatically repay. Shanghai, on the other hand, invests the value-added income from the housing provident fund in the construction of public rental housing. Through such support policies, the housing needs of young people and new citizens can be better met.
Guangzhou, Guangdong: Pilot housing provident fund "monthly rent repayment"
Xu Zhiyi's rented house is located in the core area of Guangzhou, and recently, this project became the first project in Guangzhou to pilot the provision of monthly automatic deduction of housing provident fund rent repayment services. When tenants sign a contract, as long as they handle the housing provident fund monthly rent repayment business, they can directly use the balance of the housing provident fund account to pay the rent.
For these tenants who have paid the housing provident fund, housing rental companies have also given special offers: not only are they exempted from renting deposits, but the rent is also discounted.
Liu Yang, founder of a housing rental company: For us, we can bring in very good high-quality customers, and the customers who pay monthly with the provident fund are very stable, and the process of handling all these is not so complicated, which will greatly reduce our management costs.
Yang Jiayan, director of the Department of Housing Provident Fund Supervision of the Ministry of Housing and Urban-Rural Development: Summarizing the experience and practices of Guangzhou, that is, the housing provident fund center cooperates with relevant rental institutions to enable these people to better rent houses.
The 10 buildings in this public rental housing community were acquired by the Shanghai Municipal Provident Fund Management Center using the value-added income of the provident fund and interior decoration, and then rented out after the necessary living facilities and equipment were equipped. Today, the project remains stable at full occupancy.
Zhang Jian, Director of the Project Management Department of shanghai provident fund management center: All the rent of the public rental housing project is still returned to the special account for the value-added income of the provident fund, realizing a virtuous circle.
Guangzhou: The first municipal co-ownership housing is about to be delivered
Nearly 80% of home buyers use housing provident fund loans
In addition to rental housing, in recent years, the housing provident fund system has also played an important role in the co-ownership housing gradually promoted in some large cities. Shanghai, Guangzhou and other cities have also proposed differentiated loan, withdrawal and repayment policies for buyers of co-ownership rights who have contributed to the housing provident fund to help the just-needed groups realize the dream of living in peace.
In the first municipal co-ownership housing project in Guangzhou, the reporter met with mr. Fang, the buyer.
Fang Qinghua, a buyer of co-ownership housing in Guangzhou: I borrowed 600,000 yuan, and the monthly repayment is about 5,800 yuan, and my provident fund is close to 4,000 yuan per month. That is to say, I probably took out less than 2,000 yuan from my living expenses, and the repayment pressure was not very large.
Among the more than 1,800 home-buying families in the project, about 78% of the home-buying families use housing provident fund loans, and the buyer Mr. Lin uses a combination loan to buy this house, he told reporters that since the beginning of this year, the commercial mortgage loan interest rate in Guangzhou has risen all the way up, and has reached a level of nearly 6%, and the interest rate of the provident fund is much lower, which has alleviated a lot of pressure on him.
Zhu Kaihua, deputy director of Guangzhou Housing Provident Fund Management Center: So far this year, the amount of our provident fund withdrawals, loan amounts, etc., compared with the past, are stable and increased.
In Shanghai, housing provident fund contributors who purchase condominium housing can not only apply for a loan, but also withdraw the housing provident fund to pay the down payment before the loan is issued.
Liu Wei, head of a branch of Shanghai Housing Real Estate Financing Guarantee Co., Ltd.: The provident fund of the main lender and the spouse who borrows jointly can be withdrawn, and according to the loan amount, a certain proportion should be retained in the provident fund account, and the rest can be withdrawn in full.
In addition, for applicants who encounter financial difficulties in the process of repayment, they can use the balance of their siblings' housing provident fund accounts to repay the loan together under the premise of performing the necessary application procedures and obtaining consent.
Wang Qiang: Housing provident fund to help to live in peace and livability
It can enable different groups of people to enjoy the development dividend of the housing provident fund system equally, which is the most intuitive feeling given by the expansion of the scope of housing provident fund support.
At this stage, the housing provident fund has three directions of development:
One is to reduce the pressure.
There is no deposit, no intermediary fee, and the balance of the housing provident fund account can be used to pay the rent every month, which helps renters reduce the pressure of funds and makes the rent "rest assured and worry-free".
The second is to add impetus.
Under the housing system of multi-subject supply, multi-channel guarantee, and rent-purchase, the housing provident fund plays an active role in public rental housing, affordable rental housing and co-ownership housing. While helping more people solve the problem of phased housing, this also adds impetus to the housing security system.
Third, gravity is strong.
Housing is the basis of happy industry, and the continuous expansion of the scope of housing provident fund withdrawal is precisely to solve the housing needs of new citizens, so that talents can not only "stay", but also "retain", which can enhance the attractiveness and development potential of the city, and enhance the sense of security and happiness of citizens.