Luoyang Publishing House's draft for public comment, "Pay back the loan first", an expert: an important channel to reduce the pressure on mortgage loans.

Every reporter Wang Jiafei, every editor Chen Mengyu.

On September 2 1, Luoyang Housing Provident Fund Management Center issued the Measures for the Administration of Personal Housing Loans from Commercial Personal Housing Loans to Housing Provident Fund in Luoyang (Draft for Comment) (hereinafter referred to as the "Measures"), which stated that the purpose was to "further play the role of housing provident fund to reduce the interest expenses and life pressure of paid-in workers' families to purchase self-occupied housing loans", and at the same time stipulated that "commercial loans should be repaid first, and then loans should be processed. "

Relevant experts said: "This policy further shows that corporate management is an important channel to reduce the pressure on mortgage loans in recent years."

Pay the loan first.

On September 22, Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the reporter of National Business Daily through WeChat: "Luoyang has made clear the starting point of such policies, that is, reducing the interest expenses and life pressure of paying employees' families to buy self-occupied housing loans. From this perspective, such a policy is exactly what buyers need to pay attention to. Especially in this year's discussion about the pressure of mortgage, how to link up with the guarantee mechanism of provident fund is a concern of buyers everywhere. "

Article 5 of the "Measures" stipulates: "Business-to-public loans shall be handled in the form of first repayment and then loan. That is, employees who have applied for commercial loans turn to central applicants for public loans. After the approval of the center, the center will issue commercial loans to the society after the employees pay off the commercial loans with self-raised funds and go through relevant procedures. "

Yan Yuejin believes that this provision shows that "the basic premise of business-to-business loans is that business-to-business loans are handled in the form of repayment first and then loans. In other words, buyers need to pay off the loans of commercial banks before they can apply for provident fund loans with lower interest rates. "

In addition, Article 6 of the Measures stipulates: "When the personal loan ratio of provident fund loans in our city is lower than 85% (inclusive) for three consecutive months, the business of transferring commercial loans to the public will be carried out, and when the personal loan ratio is higher than 95% (inclusive) for three consecutive months, the business of transferring commercial loans to the public will be suspended. When the higher-level provident fund policy is adjusted or the real estate market situation in our city changes, the center may, under the decision guidance and authorization of the Municipal Housing Provident Fund Management Committee, start and suspend the public loan business in due course. "

Yan Yuejin believes: "This shows that whether this kind of business is carried out is related to the personal loan interest rate or the adequacy of the provident fund pool. This also requires buyers to closely understand the fund pool of provident fund loans in order to actively seek policy support. "

Multi-site implementation

Recently, many places have introduced the policy of transferring business to public.

On the same day when the Measures were issued in Luoyang, Guangxi Fangchenggang Housing Provident Fund Management Center also issued the Notice on Developing the Self-raised Business of Converting Housing Loans to Housing Provident Fund Loans of Commercial Banks (Draft for Public Comment), stipulating that "the maximum amount of self-raised loans of commercial banks shall not exceed the original balance of commercial loans (that is, the total amount of loans in commercial banks minus the principal amount returned by borrowers) and shall not exceed the limit of 400,000 yuan set by commercial banks. The calculation of business-to-public self-raised loans shall be carried out in accordance with the relevant provisions on the calculation of housing provident fund loan amount. "

Changchun has also promulgated the Administrative Measures for Converting Commercial Personal Housing Loans into Personal Housing Provident Fund Loans (Trial), which will take effect on September 15, 2022.

Yan Yuejin said: "In fact, the policy of transferring business to public is not a new policy, and similar operations have been carried out everywhere. However, in view of the low attention paid by buyers to such policies, it is very necessary to actively promote and publicize these policies. If we can make good use of the policy of converting commercial loans into public loans, in fact, after repaying loans in advance, we can also get low-interest provident fund loans, which buyers need to pay attention to. If this kind of work is done well, you can actively reduce the monthly supply cost. "

"This policy is also phased, which is related to whether the provident fund pool is sufficient. Property buyers should pay close attention to the fund situation of the provident fund. Especially from this operation in Luoyang, this kind of business has a quota and quota every month, so if you want to apply, it's still early. Taking the initiative to apply for such a provident fund has a positive effect on reducing the monthly supply cost. "

"In view of the low attention of such policies among buyers, it is suggested that local provident fund centers actively publicize and let buyers take the initiative to understand some money-saving housing financial policies, which will have a positive effect on releasing policy effects and implementing the function of reducing burdens."