Guangzhou Fund Center Loan Deal admits money was tight or published next month

history of the most stringent fund loans or officially released next month, the New Deal

Yangcheng Evening News reporter Liu Wei reports: Guangzhou, "the history of the most serious" fund loans before the end of the New Deal was your feedback. The workers were severely Tucao "mortgage loans once again allowed to" deposit significantly extended service life and so forth, the fundamental reason is likely to be deeper if the loan is not limited to, the amount of the emergency soon! Reporters learned yesterday, the center recently replied to a Yang Mei "recent media attention on housing provident fund loans Guangzhou implementation measures related description of the situation," revealed Guangzhou housing fund to extract a large amount of surplus funds less than normal, to fund the use of tape to greater pressure. "If lending policy adjustments, 2015, it can not meet the needs of workers for the first time home buyers loan."

cheap throwback NFL jerseys follow the steps, fund center to collate and submit comments Fund Management Committee discussed the improvement is expected to be released in the next month officially provisions.

first claimed amount or not enough

Fund Center stakeholders confirmed to reporters this information. Comparison had been declared "sufficient amount", which is the center for the first time to relent admit spike fund future facility may face insufficient.

reporter learned that, "description" elaborated "on the building structure is brick, hybrid structures and uses non-low-density residential and commercial residential buildings are not loans; has been used housing provident fund loans not Again loans, "the main reason. This includes: Compared with most cities, on the one hand, the housing fund Guangzhou extraction conditions easing, the high extraction ratio has been extracted from January to February 2014, the proportion reached 84.9%; the other hand, the strong demand for housing provident fund loans. In the case of limited funds, if policy adjustments on loans, 2015, the housing fund can not meet the needs of workers for the first time home buyers loans.

other hand, employee housing fund loan demand, and have long-term sustainable growth trend. Due to the high interest rate loans from commercial banks, two percentage points higher than the provident fund Inexpensive NFL Jerseys loans over the past not too obvious advantage of provident fund loans more and more sought after. With the purchase and implementation of policies, provident fund loans turning increasingly concentrated in the lower middle income first-time home crowd. Fund centers, said Guangzhou resident population added 70,000 jobs per year, plus an annual increase local employment Cheap NBA Hats Guangzhou crowd of about 30,000 people, these are potential users of future housing provident fund loans. "If we do not apply the secondary housing provident fund loans to limit the next step, for the first time to apply for housing provident fund loans will no loanable funds."

91% loan-to-deposit employee had not

Again

fund center in Guangzhou, about 91 percent of workers paid unused housing provident fund loans, the loan officers in the use of funds, about 2 percent of people repeatedly used the loans. "To ensure that each has an equal opportunity to enjoy low interest rate policy of workers paid loans, limit the use of secondary workers housing provident fund loans is reasonable, does not affect the first use of housing provident fund loans just need groups."

"workers also help to accumulate multiple loans housing fund." fund center responsible person also said that individual housing provident fund loans Guangzhou maximum amount of $ 500,000, two or more people to apply for housing provident fund loans highest the amount of 80 million. Statistics show that the average employee housing provident fund deposit balance does not exceed $ 50,000, if workers apply for 500,000 yuan housing provident fund loans, it means that workers use the remaining balance of nine individuals to deposit loans, while loans a year after workers The deposit amounts are fully drawn, but also conducive to the accumulation fund. "Currently, the use of which Guangzhou housing provident fund loans 350,000 workers, in addition to their own part of the deposit extraction, also used to deposit another 820 billion yuan of funds if we do not use excessive housing provident fund loans for personnel limit, then the subsequent need for loan funds will not be able to protect workers. "

difficult to see from the above expressions, Guangzhou limit the number of times the root cause of the loan fund is "tight money"! The relevant parties of the center to the Yangcheng Evening News reporter had revealed that the introduction of new approaches to the final, compared with the draft should Cheap hats not be a big adjustment, it appears, "permitting the loan once," is likely to become a reality.

■ Drawing: Wang Yuntao

rental housing reserve fund Guangzhou simplify formalities

3 after 1 April renters and registration, and no longer provide a "registration by the housing authority's lease contract"

■ Express reporter Xie Man

addition to the purchase, but in fact no room renters who can extract the fund, but the fund's current ratio of rent extraction is rarely the main reason is that renters and landlords together must re-sign a Housing Authority "by Housing authorities registration of the lease contract. " Guangzhou fund housing management center (hereinafter referred to as "Urban Fund Center") recently said that the rent after March 1, 2014, and registration, and withdrawal of the fund no longer offer "by the housing authority registration of the lease contract," as long as there are streets plus Cover "seal the record," the "rental registration certificate" on it.

March 1 filing

upon the original regulations

Municipal Fund Center, said, with adjustments for the Guangzhou Land Resources and Housing Authority rental housing filing work, housing fund management center in Guangzhou decided to rent housing fund data adjusted accordingly simplified.

workers to rent housing fund on behalf of the extraction, the extraction procedures when handling, just provide rental management agency issued stamped "filed Seal" and "rental housing registration certificate", without providing "by the housing authority lease registration contract ", other information unchanged. But March 1, 2014 to rent the record, according to the original regulations.

accordance with the provisions, as long as the normal deposit fund public administrative area in Guangzhou City owned property without housing, rental housing in the city and the administrative area, then meet the eligibility live application to extract rent from the housing fund.

rent extraction fund

not limit the amount of more than

Previously, people want to extract the necessary information to rent Provident Fund - "by the housing authority registration of the lease contract," we must, together with the landlord to the Housing Authority to re-sign a record contract. With the need to get the landlord to be very troublesome.

In addition, renting a relatively low proportion of public withdrawal of the fund, was kind enough to fund the amount of rent can be extracted is small, but restrictions and more relevant. First, the two sides still have to lease the streets to do "rental management service center" filing procedures performed rental and pay the rent tax (4% -8% monthly rent), most landlords require taxes borne by the tenant. For example, a 1,500 yuan monthly rental houses, rental tax of 90 yuan / month, the year is 1080 yuan, the tenants is also spending a small fortune.

According to regulations, rent extraction funds needed to provide "housing fund to extract application form" in triplicate, a copy of my ID card, (public housing lease contract signed invoice or units) rent invoices. Rent invoice you need to take the lease contract, housing ownership certificates, identity cards, etc., to the Inland Revenue Department issued. In addition, the public needs since the signing of the lease contract within six months from the date of application, overdue deemed a waiver, after extracting every six months, until the lease expires. Accumulative total housing fund does not exceed the actual rent. May not exceed the amount extracted month rent; rented housing construction area of ​​over 90 square meters, the area is not included in the excess amount can be extracted. Such as the following 2000 yuan / monthly rent 100 square meters of housing, provident fund does not exceed the amount extracted (2000 ÷ 100) × 90 = 1800 yuan.

For most people, the amount of extractable reserve is not high, had to pay a rent tax, which is a tenant on the main reason for withdrawal of the fund are not keen.

another hearing

Fund official website next Wednesday to suspend the service for a long time

housing fund management center in Guangzhou yesterday issued a notice, in order to better serve the general public, will organize a revision to the central site upgrade. Given pause site external services in 2014 4 月 23 Cheap customized jerseys 日 (星期三) 14:00 to 24 am, to carry out the work on the new website to switch. In the meantime, the public will not be able to access the city center site fund.

(Original title: Guangzhou Fund Center admits "tight money" fund loans Deal or published next month)

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