There are many reasons for refusing to use the provident fund loans in Ji'nan.
according to the Shandong radio news channel "live Shandong" reported that the policy adjustment impact, the last period, the provincial capital of Ji'nan a lot of time Housing is not allowed to use the provident fund loans to buy a house.
reporter first came to the ten road and party Yang Road intersection of a building, to the identity of the house buyers to consult, when the reporter proposed to use housing provident fund loans to buy a house, directly by the sales personnel to refuse.
"at present can not be used (housing provident fund loans to buy a house), because the new housing fund after the new housing cap after the use of provident fund. Now we are the forward house. The fastest cover is the distance from four to five floors.
the reporter then consulted the other buildings in Ji'nan, the sales staff said they did not accept the provident fund loans, only to accept the accumulation fund and commercial loans. Then the reporter came to Ji'nan housing provident fund service hall, the staff said, according to the present loan interest rate calculation, the provident fund loan is about three percentage points lower than the commercial loan. And the sale of money can not be fast back, and the commercial bank between the commercial bank and the commercial loan agreement, so it is not surprising that the housing provident fund loans are not to be seen by the developers.
provident fund loans for the cold face, each big estate gives a variety of reasons, is the overlord clause or policy? Xu Pingyun, deputy director of Ji'nan housing provident fund management center, said: "housing housing accumulation fund loans according to the China People's Bank general bank of China, the requirements are multi-storey capped top, high rise to reach 2/3 of the total investment is allowed to start the mortgage loan process. Since September of last year, Ji'nan has not only requested the multi-layer ceiling but also the top of the building.
such adjustment is to avoid property buyers risk is also a realistic need. But some people worry that the adjustment of provident fund policy will affect the role of provident fund in reducing the cost of public housing.