zhang shubo: "the level of micro-control of xiongan's real estate market has reached a new level"
2024-09-17
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"the successful completion of the xiongan new area's direct payment of provident funds for home purchases marks a new level in the level of micro-control of the real estate market in the xiongan new area, but at the same time we need to pay attention to avoiding some potential risks." zhang shubo, deputy director of the department of labor and social security, school of labor economics, capital university of economics and business, said in an interview with reporters a few days ago.
zhang shubo"the provident fund system is a livelihood project related to housing security. using provident funds to pay down payments directly greatly facilitates home buyers. it is undoubtedly an important reform in housing management in xiongan new area, and it also marks that the level of micro-services for the convenience of the people in xiongan new area has reached a new level."
zhang shubo introduced that as an advanced means of loosening the housing market regulation policy, the provident fund direct payment of the down payment business can play a relatively strong macro and micro policy effect. at the micro level, it will help to further ease the pressure of fund raising for home buyers, lower the entry threshold of the housing purchase market, make the benefits of the provident fund system benefit rigid and improvement housing purchase groups earlier and more effectively, and improve the efficiency of the use of provident funds; at the macro level, it will help release the housing consumption potential of new citizens and young people, boost housing consumption, guide market expectations, and play the leverage effect of the virtuous cycle of the real estate industry on economic growth.
zhang shubo said that xiong'an housing provident fund direct payment of housing purchase down payment business needs to guard against some potential risks. first, be careful to prevent pressure on the housing provident fund loan quota, thereby squeezing out the maximum loan quota of individual housing provident funds and the low-interest loan strength of housing provident fund loans; second, be careful to prevent biased differences in the allocation of affordable housing and commercial housing, especially the tendency to favor commercial housing, which hinders the establishment of a new model for the transformation and development of the real estate industry.
zhang shubo suggested that, first, relevant policies should be introduced to clearly determine that the business of direct payment of housing provident funds for down payments will not affect the actual loan amount of provident funds, and the application approval plan for direct payment of housing provident funds for down payments should be studied and discussed to form a linkage mechanism with the pressure of provident fund revenue and expenditure, and maintain the orderly and safe operation of provident funds. second, it is necessary to prospectively study the guiding policy strategies of direct payment of housing provident funds for down payments in the allocation of affordable housing and commercial housing under the new model of transformation and development of the real estate industry, and promote the orderly development of the real estate industry. third, it is necessary to promote the regionalization and integration of provident funds, and realize the expansion of the direct payment of housing provident funds for down payments from xiongan new area depositors to employees in the regionalization and integration construction areas of provident funds, so as to enhance the attractiveness of xiongan new area talents.
