source:
Wang saw the two phase of the New River Bay of Xiangtai property, the sales staff made clear that the property can not be used by the fund to buy, this let Mr. Wang ten Discontent. (video screenshot) 
reporter came to the construction site of the two phase of New River Bay, Xiangtai, and the construction of several buildings in this site is close to the end. (video screenshot) 
staff to a reporter to show a reporter called "the real estate development enterprises may not refuse to buy a house purchase housing provident fund loans related issues." (video screenshot) 
"the real estate development enterprises shall not refuse to refuse home buyers to deal with the housing provident fund loans related issues," the explicit provisions, may not refuse or impede the use of housing provident fund loans. (video screenshot)? Housing provident fund refers to the long-term housing deposit that the state organs, enterprises, institutions and social organizations and their workers and employees have deposited. Some of them are deposited by the employees in their units, the other part is paid by the workers and employees, and the special purpose is for the housing consumption expenditure. The aim is to solve housing faster and better for the staff and workers. With the protection of the problem, buyers can enjoy a lower housing loan interest rate, which is a statutory right of the employees in cities and towns. however, in practice, can this statutory right be fully protected? Is there a possibility that the unit has paid the housing provident fund, which is also suitable for various conditions of use? In this regard, Shandong radio and television public channel "people's through train" reporter conducted an investigation and interview. The office workers bought new houses to meet the fund loan conditions but refused to work in the high tech Zone in eastern Ji'nan. At the beginning of the year, he looked for a house in a commercial building in the north of the hi-tech zone. Mr. Wang said he looked at a real estate called Xiangtai New River bay two phase, located at the intersection of Huayuan Road and Fenghuang Road, Licheng District, Ji'nan.
although the house looks good, the next loan item makes Mr. Wang surprise. "At the very beginning, they asked," they said they could not use the provident fund. " Then, the reporter in the Xiangtai New River Bay Sales Office and sales staff to talk, the sales staff said: "now is the first thirty percent, the other bank mortgage." Sales staff made it clear that Xiangtai New River estates could not be purchased by provident fund, which made Mr. Wang feel very unhappy. Mr. Wang told reporters: "provident fund interest rate is low, the use of provident fund, then less than a few hundred dollars a month loan. If it's the total, it will be close to one hundred thousand yuan in those years. " Mr. Wang believes that the use of provident fund is reasonable and legitimate.
, then what is the reason why Xiangtai New River can not use the provident fund? Is this property inconsistent with the relevant requirements of the use of provident fund loans? The reporter then dialed the Ji'nan housing provident fund management center of the advisory phone, the staff of commercial buildings how to meet the conditions of the use of the provident fund to respond, "the building to the top, the pre sale license, and the most important is that this building in the provident fund for the record can, including specific. Several projects, a few buildings. To satisfy these conditions, we should be able to use provident fund to buy. " Subsequently, the reporter landed on the website of the Ji'nan housing provident fund management center, and found that after the entry of the loan property inquiry into the Xiang Taixin River Bay, the New River Bay Garden of the A block, the new xujiawan block, Shandong North City LANWAN limited company was also registered in the two phase of the Xiangtai New River Bay. The sales staff of the six or seven building has been registered in the case, whether the two buildings have already obtained the pre sale license, the sales staff answered very affirmatively, "the pre sale license must have been done." Since Xiangtai New River bay two phase six or seven building has already obtained the pre-sale permit, has the two buildings been sealed up yet? The reporter then came to the two phase of the construction site of Xiangtai New River Bay, and the construction of several buildings in this site was close to the end, including 6 and 7 high-rise residential buildings. The construction workers said that the buildings had already been capped.
it seems so, the Xiangtai New River Bay is a suitable building, should be able to use the provident fund to buy, and now the situation let Mr. Wang can not get through.
sales personnel to the original Committee: the public loan funds back to the slow citizen Wang said, "no matter what loans, for developers is a lot of money, do not know why this policy is difficult for the buyers, not to use the provident fund?" So what is the real reason? In the reporter's repeated questioning, the sales staff gave the answer, "now the house is preferential, the price has been reduced, the accumulation fund is more troublesome, the formalities are also more. Immediately delivered, the latest 16 years in May, developers can not wait. Commercial loans have been completed in a week, and the accumulation fund is at least two months. The sales personnel told reporters: "now is the quasi - present house, immediately hand over the house, he can not say that the house has been given to you the loan has not been put down, so now the developers only let you use commercial loans."
a number of buildings in Ji'nan refuse to use public loans to buy a house to buy a house. When Mr. Wang in Ji'nan is in the east part of the province, Mr. Wang has been embarrassed by the refusal of the developer to use the provident fund, and the sales staff also told him that in the lot where the building is located, almost every real estate can't normally use provident fund. To buy, Mr. Wang would like to use provident fund to buy a house in this area almost no better choice.
what the salesman said is true, the reporter has combed several commercial buildings in the vicinity of the Xiangtai New River Bay, and found that in the site of the Ji'nan housing provident fund management center, there are only two registered apartments registered in the loan property of the housing provident fund management center. A name is Ming Lake egret county. Several other properties are not sold without registration. Later, the reporter first came to the Sales Office of crystal East Block apartment for consultation.
according to the sales personnel's statement, this building meets all the conditions for the use of provident fund, but the sales personnel still clearly refuse the requirements of the use of provident fund for journalists, so what is the reason? The sales staff said: "the fund below is too slow. The developer is now ready to develop a new project on the other side of the long distance bus station. It is impossible for you to use the fund for a few months."
, then, the reporter came to the nearby near the Ming Lake egret County building to inquire, the sales staff here gave another statement, "if the use of provident fund, the price is more expensive, the use of 7800, the use of provident fund, one flat 8700, the price is not the same." Sales personnel said that the fund will bring money to developers to bring back the problem of slow, so the price of the differential treatment on the unit, to encourage buyers to use commercial loans.
bank staff leak: not willing to deal with the public loan business
reporter found in the investigation, whether it is directly refusing to use or in the price on the difference treatment, the developer for the accumulation fund is only one reason, too slow, then how slow the fund is, and what What's the cause of it? A bank employee who did not want to be named talked about his views. "In the loan time, business loans for about two weeks, provident fund loans will take at least one month, the provident fund commercial mixed loan time longer, one and a half months. For the provident fund loan information, banks are generally reluctant to accept, unless the customer comes to the door, the bank will accept it. The delay time is less than ten days, more than a month. Bank staff are unwilling to make public loans, which is related to their personal interests. Commercial loans belong to the bank's own business, while public loans are agents, which have no effect on personal income. The provident fund of the bank is the money of the provident fund center, the interest income is all owned by the provident fund center, the bank has no income, and the employees of the bank are basically voluntary labor. And the material must be first reported to the Bank review, the Bank review the report to the central provident fund center, materials often out of a variety of mistakes, back to the bank, the bank will have to notify the lender to re apply the application process, the process is very heavy, and will delay a lot of time. Therefore, the cooperative relationship between developers and banks determines that developers naturally want to lend more commercial loans to banks. Developers in order to quickly return money, will generally cooperate with banks, let buyers try to use commercial loans.
How do the competent departments declare their red tape?
, what is the attitude of the competent authorities for developers who refuse or discriminate against buyers to use the provident fund to buy houses? Reporters first came to the Ji'nan housing provident fund management center, where the staff responded to the reporter's question has made a positive response. "The staff said:" they are not appropriate, but our provident fund center does not have the right to law enforcement, only the next notice to supervise their developers. "
staff to a reporter to show a reporter called "the real estate development enterprises shall not refuse to buy house owners to deal with the housing provident fund loan notice" notification requirements, one, in the city administrative area, engaged in commercial housing development and development and construction of real estate development enterprises, in the pre-sale or present sale business. It should be convenient for the buyers to apply for housing provident fund loans, not to refuse or impede the use of housing provident fund loans, and not to take a higher than commercial bank personal housing loan prices and other means to improve the housing provident fund loan conditions. The municipal, district and county administrative departments and the housing provident fund management center will strengthen the supervision and management of the real estate development enterprises to restrict the purchase of housing provident fund loans, and investigate and deal with illegal and illegal behavior according to law. The administrative department in charge of real estate will order it to correct the development of the enterprise which does have the above behavior. If the plot is serious or refuses to correct, it will be recorded in the credit record of the enterprise as a bad credit record. The notice was issued by the Ji'nan urban and Rural Construction Committee and the Ji'nan housing provident fund management center. The time was January 11, 2012.
and when the reporter took this notice to the Ji'nan Construction Commission, the staff made such a response, "this is not related to us, is the central provident fund center, we do not have the right to law enforcement, how to manage this matter. In addition, the most important thing is why the provident fund center is so slow in lending, which is the most critical, we can not control.
editor: in August 27th, the Ji'nan municipal government held a press conference to inform the implementation measures of Ji'nan, and put forward that Ji'nan will formally implement the new policy of housing provident fund in October 15th. By the time, two people and more housing provident fund workers' families are in the six district of the city The maximum loan amount will be raised from the current 500 thousand yuan to 600 thousand yuan. In addition, each employee can withdraw a housing fund of not more than 1000 yuan a year for the purpose of paying the property fee.
from the policy level, the government is constantly encouraging the use of housing provident fund. However, there are still problems that have not been solved in the actual operation level. This makes it embarrassing to keep the new policy of Huimin. The question of calm thinking.