Provident Fund ran out? What fund managers say
Money is tight, and is not equivalent to "loan"
It seems that above all "cash-strapped" argument, is not groundless. About Netizen "Provident Fund adequacy", "loan" concerns people have something to say.
Housing Fund Management Center of Hefei city officials said current users questioned "housing accumulation Fund loan" is mainly publishing newspapers in 2015, from loan/deposit ratio of view, "user that exceeds the 100%, will lend, but it isn't. ”
The official said that many cities, including Hefei city have appeared in the Housing Fund if the liquidity situation. This is mainly because in 2015, Governments at all levels to housing policy changes frequently, issued a series of policies in a row, fully release the potential of housing accumulation Fund, also result in insufficient funds short-term liquidity. "But this is not yet a ' Provident Fund loans ', the Centre has a series of waste management measures to ensure the normal release of housing accumulation Fund. ”
"A case study of Hefei, Central in the case does not affect the interests of workers, actively adopted a ' revolution ' discount loan to alleviate the housing accumulation Fund financial pressure, and ensure supply loan capital ... ... The broad masses of workers can be assured, there is no ' credit ' says. "The official said.
Zhang Yi told reporters now in Fuzhou "and there were no slowdown in loan approval, extension of the lending cycle. "Zhang Yi said that Fund Management Center from the Inbox to the approval now takes 4 working days," within the next two months to ensure that lenders and buyers successfully lending Fund, had little effect. ”
Reporter was informed that, Fujian province this year introduced of on adjustment housing Provident Fund personal loan related policy of notification provides, housing Provident Fund a loan using rate reached 90% above Shi, the housing Provident Fund management institutions can take to local financial, and commercial banks borrowing, pilot assets securities of, way for financing; April 15 up suspended handle "commercial loan turned Provident Fund loan" business, measures, to strengthening funds liquidity tension of deployment and risk control.
Zhang Yi said, currently housing fund management center in Fuzhou by tender, with some hosting Bank signed a credit agreement for financing, credit totaled 2 billion yuan in two years, plans to raise 1 billion yuan this year. Now, the first tranche of funding of 350 million Yuan has been put in place. In addition, the Fund Management Center in Fuzhou to local fiscal borrowing 900 million.
Measures to ease loan pressures
Reporters learned that around the Fund management sector, already have mitigation measures related to financial stress.
Relevant person in charge of the Nanjing Housing Fund Management Center, Housing Fund cash-strapped situation, Center and take effective measures to resolve the financial pressure. Is the introduction of individual housing loan business loans loan business, the "revolution". Since mid-September last year, one after another under construction, agriculture, and industry and banks to engage in this business, has now granted 3.496 billion yuan. Second, implementation of housing accumulation Fund loan asset-backed securities business. In late January and early February this year, has commissioned Société Générale Trust and ICBC to raise 500 million Yuan (a total of 1 billion yuan).
At present, the Provident Fund loans money pressures eased in Nanjing, all loan approval process takes about 1 month time (excluding time required for transfer, mortgage, real estate sector). Upon completion of the whole loan approval process, compared to the previous 2-3 month waiting period of loan, has been reduced to 1 month.
The official said, Nanjing to strengthen management of housing accumulation Fund loan to host business, centers and banks in the loan approval process every step of the business links are strictly in accordance with the notice on further strengthening the management of housing accumulation Fund loan approval time limit provided for in the work of handling. He noted that lending is greatly influenced by money. In the case of adequately funded, all loan approval processes end loans; in the case of shortage of funds, can only order queue waiting for lenders. However, due to the real estate transaction is still very strong, Provident Fund loan demand will continue to rise, and hope that the majority of lenders to understand.
The reporter learns, Suzhou since November 1, 2015, the full implementation of lenders waiting for different demand the implementation of targeted policies. Applications for loans to buy new housing, waiting 6 months from the date of loan approval by the lenders. Purchase of existing sets of housing (housing) loan application, waiting 2 months from the date of loan approval by the lenders. Suzhou Center for housing accumulation Fund officials say that at present, Suzhou Provident Fund demand remains relatively strong, but with the Government regulation of the market, demand is expected to stabilise. (Interview Reporter: Wu Hui珺, and Yang Shaogong, and Dong Jianguo, and Wang Suiyi, and Zhang Yujie)
Xinhua News Agency, Beijing, April 8-recently, Nanjing, Suzhou, Hefei, Fuzhou, announced 2015 Fund loans, housing common reserve fund loan amount as much tension. In time, the network "CPF" "what do I want to buy a house" voice of concern here. In this regard, the journalists visited a number of housing accumulation fund management sector, listen to their voices.
Increase in loan demand strong
Nanjing housing fund management center head, who asked not to be named, told reporters "the Provident Fund loan limit tensions" status: currently housing fund in Nanjing are still tense, as at the end of March, a rate is over 105%. The official said, under the influence of the city's real estate market, the majority of paid workers housing housing accumulation Fund loan demand is strong.
Suzhou City Director who asked not to be named, the Housing Fund Management Center were interviewed. Its revealed that by the end of March, Suzhou housing common reserve fund loan rate is about 99%, is in a tight State. The official said Suzhou prices rise, demand release individual Provident Fund loan demand is rising fast.
Reporters learned from the Housing Fund Management Center of Hefei city, also due to demand, by the end of 2015, the city granted individual housing loans of 49.785 billion yuan, an increase of 30.52%; individual housing loans was 105.15%, 15.3% per cent increase over the previous year.
In Fuzhou, credit usage to more than 100%. Housing Fund Management Center to collect loan management office, Zhang Yi, Fuzhou introduced in recent years, Provident Fund loan rate has remained stubbornly high, above 90%, and faster, and pools are more nervous. By the end of 2015, granted individual housing loans of Fuzhou 42.985 billion yuan, an increase of 22.34%; individual housing loans was 99.3%, 7.71% per cent increase over the previous year. As of February 29 this year, Fuzhou Housing Fund Management Center credit utilization rate has reached 105.23%, March credit utilization rate is expected to reach about 108%.
(Editors: Xu Yonggang UN006)
2016-04-09 15:11:36
Xinhua
公积金不够用了？ 听公积金管理人员怎么说
资金紧张，不等于“贷空”
看来，上述各地“资金紧张”的说法，并非空穴来风。关于网友“公积金是否够用”“是否会贷空”等担忧，相关人员也有话要说。
合肥市住房公积金管理中心相关负责人表示，目前网友质疑“住房公积金贷空”主要是从各地发布2015年报的存贷款比例来看的，“网友以为超过了100%，就会贷空，其实不然。”
该负责人说，目前很多城市，包括合肥市的住房公积金出现了如果流动性不足的状况。这主要是因为，2015年各级政府部门对住房公积金政策调整频繁，连续出台了一系列政策，充分释放了住房公积金潜力，也导致资金出现了短期流动性不足。“但这还谈不上‘公积金被贷空’，中心有一系列的惠民措施保障住房公积金的正常发放。”
“以合肥为例，中心在不影响职工利益的情况下，积极采取了‘公转商’贴息贷款方式，以缓解住房公积金资金压力，保障职工贷款资金供应……广大职工尽管放心，不存在‘贷空’一说。”该负责人说。
张宜向记者表示，目前福州市“并没有出现贷款审批放缓、放贷周期延长的问题。”张宜说，现在公积金管理中心从收件到审批需要4个工作日，“两个月内也能确保放款，购房者可以顺利贷出公积金，受影响不大。”
记者获悉，福建省今年出台的《关于调整住房公积金个人贷款相关政策的通知》规定，住房公积金个贷使用率达到90%以上时，各住房公积金管理机构可采取向当地财政、商业银行借款，试行资产证券化等方式进行融资；4月15日起暂停办理“商业贷款转公积金贷款”业务等措施，以加强资金流动性紧张的调配和风险防控。
张宜说，目前福州住房公积金管理中心采用招标方式，与一些承办银行签订融资授信协议，两年内授信总额20亿元，今年计划融资10亿元。现在，首笔融资3.5亿元已到位。此外，福州公积金管理中心还向当地财政借款9个亿。
已有措施缓解贷款压力
记者采访了解到，各地的公积金管理部门，已经有了缓解资金紧张相关措施。
南京住房公积金管理中心的相关负责人介绍，针对住房公积金资金紧张的情况，中心积极采取有效措施，化解资金压力。一是推出个人住房公积金贷款转商业贴息贷款业务，即“公转商”业务。自去年9月中旬以来，陆续在建、农、中、工、交等银行开办了此项业务，目前已累计发放34.96亿元。二是实施了住房公积金贷款资产证券化业务。今年1月下旬和2月上旬，先后委托兴业信托和工银瑞信各融资5亿元（共10亿元）。
目前，南京市公积金贷款资金压力有所缓解，全部贷款审批流程只需1个月左右的时间（不含房产部门办理过户、抵押的工作时间）。在全部贷款审批流程结束后，相较于以往2至3个月的等候放款时间，已经缩短到了1个月。
该负责人表示，南京方面切实加强对住房公积金贷款承办业务的管理力度，中心和银行在整个贷款审批流程中的每一步业务环节，均严格按照《关于进一步加强住房公积金贷款审批管理的通知》中规定的工作时限办理。他指出，放款时间受资金情况影响较大。在资金充足的情况下，全部贷款审批流程结束即可放款；在资金短缺的情况下，只能采取排队轮候的方式顺序等待放款。不过，由于房产交易仍然十分旺盛，公积金贷款需求量将持续增加，希望广大贷款人理解。
记者获悉，苏州自2015年11月1日起，全面实行轮候放款，对不同购房需求推行针对性政策。购买新建住房申请贷款的，自贷款审批通过日起轮候6个月放款。购买存量成套住房（二手房）申请贷款的，自贷款审批通过日起轮候2个月放款。苏州市住房公积金中心相关负责人表示，当前，苏州公积金需求依然较为旺盛，但是随着政府对楼市的调控，需求有望企稳。（采写记者：吴慧珺、杨绍功、董建国、王绥翊、张玉洁）
新华社北京4月8日电近期，南京、苏州、合肥、福州等地公布2015年公积金贷款情况，多地住房公积金贷款出现额度紧张的现象。一时间，网络上“公积金还够用吗”“我要买房怎么办”等担忧之声此起彼伏。对此，记者走访了多地的住房公积金管理部门，听听他们的声音。
贷款增加，购房需求旺盛
南京市住房公积金管理中心一位不愿透露姓名的负责人，向记者介绍了“公积金贷款额度紧张”的现状：目前南京的住房公积金资金仍比较紧张，截至3月底个贷率已经超过105%。该负责人表示，受该市房地产市场行情影响，广大缴存职工购房使用住房公积金贷款的需求比较旺盛。
苏州市住房公积金管理中心一位不愿公开姓名的负责人接受了采访。其透露，截至3月底，苏州住房公积金个贷率在99%左右，处于偏紧状态。该负责人称，苏州的房价上涨，购房需求得到释放，个人对公积金贷款的需求也快速上升。
记者从合肥市住房公积金管理中心获悉，同样由于购房需求，截至2015年底，全市累计发放个人住房贷款497.85亿元，同比增长30.52%；个人住房贷款率为105.15%，比上年同期增加15.3%。
在福州，个贷使用率也超过了100%。福州住房公积金管理中心归集贷款管理处处长张宜介绍，近一年来，公积金贷款使用率始终居高不下，均在90%以上，并且增长速度较快，资金池较为紧张。截至2015年底，福州市累计发放个人住房贷款429.85亿元，同比增长22.34%；个人住房贷款率为99.30%，比上年同期增加7.71%。截至今年2月29日，福州住房公积金管理中心个贷使用率已达105.23%，预计3月份个贷使用率达到108%左右。
(责任编辑：徐永刚 UN006)
2016-04-09 15:11:36
新华网