Recently, some real estate development companies refused to use homeowners' housing provident fund loans, which seriously damaged the legitimate rights and interests of employees. In this regard, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the Central Bank, and the Ministry of Land and Resources issued the "Notice on the Maintenance of Housing Provident Funds to Pay Employees' Loans and Interests" (hereinafter referred to as the "Notice"), requiring local housing and urban construction departments and housing provident fund management centers to jointly We launched a special rectification campaign to deny employees the use of housing provident fund loans to purchase houses, and severely crack down on violations by real estate development enterprises and housing sales agencies. Zhang Bo, chief analyst of the Housing Research Institute, said in an interview with the Securities Daily that housing companies are more inclined to choose non-public fund loans from the perspective of rapid withdrawal of funds, which will undoubtedly damage the legitimate rights and interests of buyers. It also made the CPF policy that favors buyers a bit of a talk. The timely promulgation of the "Notice" reaffirmed and guaranteed the legitimate use of the provident fund by the purchaser. On the other hand, it mentioned the time limit for the approval of the compressed provident fund loan in the regulations, and required the approval within 10 working days to improve the public reserve. Efficiency has also shortened the payment cycle of housing companies. At present, the housing provident fund personal housing loan interest rate is 3.25%, far lower than the commercial bank personal housing loan interest rate. According to estimates, a housing provident fund personal housing loan with a quota of 1 million yuan and a term of 20 years can save more than 200,000 yuan in interest expenses than commercial bank personal housing loans, which can effectively reduce the burden of housing purchases. The "Notice" requires that the housing and urban-rural construction departments should strengthen the supervision of the real estate market. When real estate development enterprises sell commercial housing, they must provide a written commitment not to refuse the purchaser to use the housing provident fund loan, and publicize it at the real estate sales site. Real estate development enterprises must conscientiously fulfill their commitments, and must not restrict, obstruct or refuse to use housing provident fund loans by means of raising the price of housing sales and reducing price discounts, and must not require or disguise the purchaser to sign a written document voluntarily waiving the right to provide housing provident fund loans. . At the same time, the "Notice" also proposed to increase joint punishment. All local housing and urban construction departments and housing provident fund management centers should promptly investigate and punish the problems of damage to the employees' housing provident fund loans. Real estate development enterprises and sales intermediaries that restrict, obstruct, and refuse to use housing provident fund loans to purchase houses must be ordered to rectify. Anyone who violates the rules and refuses to rectify shall be exposed publicly and shall be included in the enterprise credit information system and dealt with it seriously according to law. Yan Yuejin, director of the Research Institute of Yiju Research Center, said in an interview with the Securities Daily that the notice clearly proposed to increase the punishment and reporting system. It is recommended to actively carry out the provident fund loan before the end of the year in conjunction with the investigation and handling opinions of the current housing sales management department. The special inspection is conducive to the restoration of a healthy provident fund loan purchase market.
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