Ji'nan provident fund loans use nearly 90% over the national average utilization rate
source: Qilu Evening Newspaper Yu Wen
8 days, Ji'nan provident fund loan new policy was formally implemented. Under the influence of the loan ceiling and loan amount calculation, some single young people who have short working hours think that the new deal has suppressed the demand for buying houses. The person in charge of Ji'nan housing provident fund management center said that the loan use rate of the Ji'nan provident fund management center is close to 90%, which is beyond the average use rate of 65% in the country. If we do not control it in time, the risk of Ji'nan's provident fund will no longer be available. "
" since the country introduced the policy of promoting the development of the real estate market in 2008, the policy of provident fund loan has also been relaxed, and has not changed for several years. " Ji'nan housing provident fund management center responsible person, the current Ji'nan housing provident fund management center (excluding electric power, Jigang two sub center) loan use rate is close to 90%, the national urban provident fund loan average use rate of 65% at the end of last year, the general use rate of the same type of cities in the state is only about 80%. The CBRC shall not exceed 75% of the loan to deposit ratio of commercial banks.
index of deposit to loan ratio reflects the proportion of bank deposits used in loans and the size of loans. Exceeding this ratio indicates that the scale of loans is too large and the risks are too great. Referring to this figure, the utilization rate of Ji'nan provident fund loan is rather high.
Loan utilization rate is high, and the risk will follow. A few years ago, some cities in the South have seen such a phenomenon: some people who have paid a lot of money and have long deposited years in the use of provident fund loans to buy a house, even if they have to wait in line and even have no money to lend. The reason is that the accumulation of fund centers has led to no money.
provident fund's loan principle is "mutual benefit and reciprocity, paying more and more loans, paying less and less loans". The actual situation in Ji'nan is that the average deposit amount of 35 people can satisfy a person's loan of 500 thousand yuan. According to the previous policy, the amount of loans that some people pay less provident fund can borrow is very large. The person in charge confessed that the new deal "has a tight" adjustment measures, the main purpose is to allow more eligible workers to lend a relatively large amount of money, rather than to concentrate on some of the people.
according to previous policies, some young people who have just taken part in the work have a high loan amount, but the monthly income level is low and the repayment ability is low, which are all risks. In the long run, the risk of loans will also increase as a whole.
in addition, Ji'nan as a provident fund to support the housing construction of the pilot city, will come up with 1 billion yuan to support the construction of the central and southern section of the project, the first batch of loans will be in place in the near future. From the current growth rate of Ji'nan's provident fund collection and loan growth rate, the rate of return growth is smaller than that of loan growth. "
" a large amount of money, deposit funds to support the housing, if the policy does not control the use of loans, the provident fund will appear in the use of the loan even the risk of no money. " The person in charge said.
"chasing the new deal
the first day of the 5 people's provident fund loans
October 8th news (reporter Yu Wen) 8, the first day of the official implementation of the new policy of the Ji'nan provident fund loan, the Ji'nan property market repercussions? The reporter was informed that the central provident fund management center accepted five loan materials, mainly received The new deal has a small impact on buyers. More than 1000 loan materials that have been overloaded during the holiday have been uploaded to the provident fund approval system to ensure the implementation of the old loan policy.
Ji'nan housing provident fund management center credit department head of the introduction, the 8 days of the provident fund approval system received five loan materials, these are to be implemented in accordance with the new deal. "The five materials submitted, the young people who have not been affected by the new deal and the short time for the accumulation of provident fund, are mainly the buyers who are not affected by the new deal."
"buyer bought a house, net sign, go to the bank to submit information, bank first examination and other formalities are more tedious, these all need time, new deal just put into effect the first day, the person that handles examination and approval is not much also very normal. At present, the bank has finished the preliminary examination, submitted the relevant information to the examination and approval system, and the paper information has not been submitted yet. The person in charge said.
in September 26th, after the new policy of Ji'nan provident fund loan was released, developers and banks were working overtime to make preparation materials. Many buyers worried that they could not take the last bus of the old policy. In this regard, the person in charge said that the 8 day holiday of the national day of the Mid Autumn Festival, the staff of the central provident fund center work overtime, the bank during the holiday period submitted more than 1000 loan data processing, data are uploaded to the housing provident fund system, to ensure that these can carry out the old policy policy.
> related news
some banks cancel 10 percent off preferential
8 days, in the first day of the implementation of Ji'nan provident fund loan new deal, some commercial bank loans in Ji'nan have also appeared "tightening" signs.
8, the morning, the reporter came to the Ji'nan Xiaoqing River near a sale center, a lot of housing residents are concerned about the difference between the fund loan and the monthly payment of commercial loans. "This is not just a tightening of the provident fund loan policy. Commercial loans will also tighten this month, and the existing 10 percent off interest rate will soon be lifted." Housing estate advisor said.
reporters contacted several commercial banks. Two banks explicitly stated that they would cancel the loan discount. China Merchants Bank Ji'nan branch of the individual loan department staff said, "eleven" after the long holiday, the first suite of interest rate discount from 10 percent off to 5% off, there is a tight performance. The personal credit department staff of Bank of China Ji'nan branch said that in August, they had a 10 percent off discount on the first suite loan, but now they have returned to the benchmark interest rate.
a large housing company in charge of provincial capital city said that by the end of the year, the lending volume of banks was tightening, and the tightening of commercial loans was also reasonable.
related links
Ji'nan provident fund loan new regulations
Ji'nan city since October 8, 2012, the housing provident fund loan policy adjustment:
one, one person deposited housing accumulation fund for housing provident fund loan of the most high loan amount of 250 thousand yuan ( Zhangqiu, Pingyin, Jiyang and Shanghe are 200 thousand yuan.
two, the loan amount of housing provident fund is determined by the borrower's accumulation fund. The amount of the housing provident fund loan = the balance of the borrower and the common repayment person's accumulation fund account is 15.
three, borrowers must apply for provident fund loans for more than 12 months before the loan is paid in advance.
four, using housing provident fund loans to purchase the first set of ordinary self living housing, the proportion of the first payment below 90 square meters (including) is reduced from 30% to 20%, and the proportion of the first payment for the housing of more than 90 square meters is 30%.
housing construction ministry opened the 12329 provident fund hotline
according to Xinhua news agency, Beijing, October 8 reporter 8 day from the Ministry of Housing Urban and rural construction, 12329 housing provident fund hotline will be opened in the country.
the Ministry of housing and urban construction of housing needs to build the 12329 housing provident fund hotline in accordance with the requirements of the 12329 housing provident fund hotline service guidelines on the basis of full use of existing resources and reduction of repeated investment. After the 12329 number is enabled, other hotline numbers should be discontinued and notify the public in a timely manner. The provident fund centre, which has already opened the hotline, will uniformly change the service hotline number to 12329 by the end of December 2012.