Re: Shandong intends to pilot provident fund transfer to Ji'nan Qingdao or take the lead in implementation.
attractiveness
migrant workers deposit provident fund does not make "one size fits all"
the relevant departments concerned through the investigation found that migrant workers are willing to pay the provident fund, and some are reluctant to take out part of the salary of the fund.
reporter learned that in April, the provincial housing construction department will carry out a special research on the way to bring the workers into the housing provident fund system to cover the coverage of the housing provident fund system. In the city, the migrant workers and their units who have stable work in the city can temporarily press the lower deposit ratio and establish the housing provident fund account first. In the process of operation, we should pay attention to solving the problem of disconnection after the loan of migrant workers, prevent the risk, distinguish the different circumstances, respect the personal wishes of the migrant workers, do not make a simple "one size fits all", perfect the use policy, appropriately reduce the threshold and enhance the attraction of the provident fund system.
keyword
extract
low income workers can extract property fee
March 21st, Shandong housing provident fund working conference stressed that a moderate reduction of the threshold, simplified procedures, convenient for workers to extract provident fund.
it is understood that at present in Ji'nan, whether it is the new deal or the old policy, there are 12 circumstances that can be extracted from the provident fund. Buying, building, building, overhauling and overhauling self - living housing with its own property right (hereinafter referred to as self - owned housing); the two main reasons for the purchase of self owned housing loans. 21, the meeting stressed that for low-income workers, in addition to the establishment of the golden pipe [2005] 5 documents, the extraction conditions can be included in the extraction fee. Specific implementation standards, all localities can be determined according to their respective actual conditions. In addition, municipalities should transfer the focus of provident fund loans to support the basic housing needs of the first suite and small apartments, so as to facilitate the workers of low-income families. (Zhang Xiaoli Jiang Yi Zhang Rong)
with the loan amount of 400 thousand yuan, the loan term is 20 years, the first set of housing loans of the same amount of principal repayment is taken as an example: the use of the fund loan: the monthly repayment interest amount is 1500 yuan using the "transfer merchant" loan: the first month repayment interest amount is 2183.32 yuan, the second month the provident fund management center for your support The interest allowance is 683.32 yuan, and the amount of personal real repayment interest is still 1500 yuan
data source: "the channel guide"
82.6%
at present, the utilization rate of housing provident fund in Shandong Province reaches 82.6%, and 6 cities exceed the average level of the whole province. In different cities, the utilization rate of Ji'nan and Qingdao provident funds is about 9, while Heze is about 5.
41 billion 500 million yuan
in 2013, the province issued a total of 41 billion 500 million yuan of provident fund loans, accounting for 1/4 of the total housing consumption loan amount of the province. Over the years, the total amount of personal loans to 1 million 110 thousand families has been raised to 194 billion 820 million yuan, and 151 billion 390 million yuan has been withdrawn from 6 million 510 thousand employees.
7 million 183 thousand people
by the end of 2013, the actual total number of workers in the province was 7 million 183 thousand people, an increase of 254 thousand compared with 2012, the total amount of savings exceeded 300 billion yuan, reached 339 billion yuan, and the deposit balance was 187 billion 600 million yuan, separated from sixth and fifth in the country.
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since 2013, the demand for housing purchase has been released more centrally, personal housing loans have been more concentrated, the housing loan has been growing rapidly, and the centralized purchase of housing funds is overdrawn, and the accumulation of funds for slow loans and broken loans Phenomenon. In order to solve the urgent problem, the central provident fund center will raise the upper limit of the accumulation fund, reduce the upper limit of the loan, or use the "transfer merchant" discount loan method of the provident fund to deal with the increase of the pressure on the operation of the provident fund.
Beijing city since July 5th began to implement the "transfer business" discount loan, but the loan bank can only be the Chinese postal savings bank, the application project is only limited to the term room.
Hangzhou announced in September last year that it was offering "discount" loans in the whole city.
Xuzhou housing provident fund management center announced in July last year that it will implement "interest rate loans" from the 25 day of the month.
[noun]
"transfer merchant"
"personal housing provident fund to commercial discount loan" (hereinafter referred to as the transfer business discount loan) refers to the cooperation between the provident fund center and commercial banks, and will be examined and approved when the supply of housing provident fund is tense to set early warning conditions. The agreed provident fund loans will be transferred from commercial banks to commercial housing loans. During the period of repayment of the loan, the interest difference between the interest rate of commercial housing loan and the interest rate of the housing provident fund loan is different, and the fund center is subsidized by the borrower month by month.
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accumulation fund rate is not up to
due to the first half of last year's real estate volume blowout, the multi place provident fund loan reached the highest level, the loan ratio is in abnormal state.
Wenzhou housing provident fund management center data shows that in the first half of 2013, Wenzhou issued a total of 3 billion 352 million yuan for housing provident fund loans, which has exceeded the total amount of the total fund loan in 2012.
Zhengzhou housing provident fund management center data show that in the first half of 2013, Zhengzhou city a total of housing provident fund loans 1 billion 900 million yuan, an increase of 100% over the same period. In the first half of the year,
Luoyang, as of the end of June, the Luoyang housing provident fund management center provided 2 billion 946 million yuan for the real estate market of Luoyang and the deposit workers, and completed 98% of the annual responsibility target, and the demand for housing provident fund was over 90%.
there is a local provident fund or even an upside down phenomenon. Lianyungang housing provident fund management center data show that last year in the first half of last year, Lianyungang issued a total of 1 billion 503 million yuan of provident fund loans, it is worth noting that the first half of its accumulation fund is only 1 billion 349 million yuan, 154 million yuan less than the total amount of loans, forming a huge revenue and expenditure upside down gap.