business reporter in Ji'nan housing provident fund management center (information photo)
recent Internet stream rumors questioned the public The MPF supports the reasonableness of the construction of affordable housing, and considers that the existence of suspicion of embezzlement will create a new "sandwich layer". Reporters learned that at present, Ji'nan supports the 1 billion yuan provident fund principal and interest has been recovered. Ji'nan housing provident fund management center provident fund surplus does not affect normal loans and extraction, can achieve "loan to lend, we should mention." 1 billion yuan guarantee room "support fund" principal and interest recovery
recently, the network speech questioned the use of provident fund investment to protect housing construction, the existence of "dislocation". It is believed that the building of the provident fund is divided into the low - and non - housing groups, while the middle and low - income people in the depositor are unable to enjoy the income threshold and position. At the same time, this part of the depositor fails to enjoy the fund loans and houses for the economic conditions and so on, and provides support to the middle and upper class house buying. It is easy to form a new "sandwich layer". In addition, some people worry whether the use of the provident fund will affect the withdrawal of cash and loans.
reporters learned that in 2010, Ji'nan became the first batch of pilot cities approved by Shandong to grant housing provident fund loans to support affordable housing. According to the regulations, the pilot cities can support the construction of affordable housing loans within 50% of the housing accumulation fund surplus fund. According to people in the information, Ji'nan housing provident fund management center once according to the housing provident fund loan support guarantee housing approval process, according to the project construction progress, successively to the construction of a number of guarantee housing projects to provident fund loans support, the total amount of 1 billion yuan.
"at present, the principal and interest of the 1 billion yuan provident fund, which supports affordable housing, has been fully recovered and there is no follow-up support plan up to now." According to the above sources, the loan interest rate will be increased by 10% in accordance with the interest rate of individual housing provident fund over five years, which is slightly higher than that in banks. Ji'nan housing provident fund management center provident fund surplus does not affect normal loans and extraction, can achieve "loan to lend, we should mention." Private debt added to the guarantee housing financing "new"
according to the relevant people analysis, the network questions the source of the speech is also to guarantee the financing channels and the benefit of the scope of the housing.
guaranteed housing is an important livelihood project, but the public property has limited its financing capacity, and all the governments are also seeking the way to raise money for the housing. Government administrative appropriation, self construction of enterprises and institutions. The financing channels for housing construction are also being updated. The reporter learned that the elegant residence is the first public rental housing project in the whole province, and the amount of private debt is 1 billion 250 million yuan, which represents a new financing channel for the construction of the guarantee housing in our province. According to the plan, including the above private debt issued by Qing Ya Ju, the city plans to apply for the issuance of private debt 12 billion 989 million yuan for the construction of public rental housing projects.
from the scope of the benefits of the housing, Ji'nan public rental housing standards, and there is no income and household registration restrictions, as long as the citizens have no housing are eligible for public rental housing. That is to say, the housing provident fund depositor is also the object of ensuring housing security, not only for low-income people.
in addition, Dalian, Wuhan and other cities are trying new "two complete" methods not only to guarantee the depositor of the provident fund but also to guarantee the construction of public rental housing. That is, the provident fund management department directly uses the value added part of the provident fund to build the guarantee room, and rents to the eligible housing provident fund.