It can be said that the housing price in China has now entered the "ten thousand yuan era". Judging from many people's salaries of several thousand dollars, it is almost an "idiot dream" to buy a house with millions of dollars. However, if you buy a house by loan, it is still more reliable.
202 1 1 29, according to the data released by the central bank official website, by the end of 2020, the balance of RMB real estate loans in China was 49.58 trillion yuan, a year-on-year increase of 1 1.7%. This shows that many people in our country buy houses by loans. Of course, although the loan to buy a house can realize many people's "dream of buying a house", it also generates a lot of interest, which is unbearable for many people.
However, if you rely on housing provident fund loans, it can help people save a lot of money. It is understood that the interest rate of commercial loans over five years is 4.95%, but under the same conditions, the interest rate of provident fund is only 3.25%. According to the real estate industry estimates, if the loan is 600,000 and the repayment period is 30 years, the provident fund loan will save about 200,000.
Loan to buy a house to "change"?
I have to say that it is undoubtedly very cost-effective to buy a house with a provident fund loan. It is worth mentioning that many people are now aware of the importance of provident fund, and the number of people who pay it is also increasing.
According to the data released by the Ministry of Housing and Urban-Rural Development, in 20 1488 13800, the number of employees who paid housing provident fund nationwide reached 65,438, and the amount of housing provident fund paid reached 23,709.67 million yuan. It's 202 1. It is believed that under the "just need" of buying a house, the number of people who pay the provident fund in China will further increase, and it is not impossible to exceed/kloc-0.50 billion.
However, the bad news is that the loan housing market in China may change, because some people have proposed to abolish the "provident fund system". What's going on here?
Why should the provident fund system be abolished?
The person who proposed to cancel the provident fund system was Huang, vice chairman of China International Exchange Center. He once said in his article that the provident fund system is no longer in line with the current development situation. Because now many people choose commercial loans instead of provident fund loans to buy a house. Even if this system is abolished, it will not have much impact on people.
Moreover, from the company's point of view, if the provident fund system is abolished, its own operating costs will be reduced by about 12%, which is beneficial to the development of some small and medium-sized enterprises. In addition, Dong Mingzhu also "supports" the abolition of the provident fund system. Because she thinks Gree will prepare houses for employees, the provident fund is naturally useless. From this perspective, Dong Mingzhu and Huang share the same view that the provident fund system should be abolished.
The money bags of 65438+500 million people are going to "appreciate"
Have to say, Huang and Dong Mingzhu's * * * with the "right to speak", let a lot of people have a kind of worry. Because if the provident fund system is really abolished, what should the 65.438+0.5 billion people who pay the provident fund do? If they can't use provident fund loans to buy a house in the future, it will undoubtedly cost a lot of money.
However, regarding this matter, China economists said that we don't have to worry about this issue. Because the country not only did not cancel the provident fund, but also improved the relevant policies and further upgraded the "welfare". This means that nearly/kloc-0.5 billion people will be blessed and their "money bags" will appreciate.
Raise the deposit ceiling
Because the provident fund is a huge benefit to people, there is an upper limit to the deposit of the provident fund. But the good news is that as of this year, more than 60 cities have increased the deposit base of housing provident fund. The biggest increase was in Shanghai, with an increase of 4,000 yuan. Of course, the increase in other cities is not low, basically around 2000 yuan.
Use and increase in use
In the impression of many people, it seems that only by buying a house can you use the provident fund. This is actually a wrong idea. The current provident fund can be used not only to pay for house repair and renting, but also to pay for people's serious medical expenses to reduce their living burden. In addition, this year, many areas have begun to support the use of provident fund to install elevators, and the usage has further increased.
Provident funds can be withdrawn from different places.
As we all know, in the past, the withdrawal and use of provident fund could only be carried out locally. However, because many people are now in other places, buying a house in different places has become the choice of many people. In order to make it easier for ordinary people to use provident fund and reduce unnecessary "running on the road", many regions have now introduced relevant policies to support the use of provident fund in different places. Of course, due to different local policies, there are some differences in the inter-provincial conditions and related services of the provident fund, which need everyone's attention.
Generally speaking, in today's high housing prices, we really have great difficulties in buying a house. However, the existence of provident fund can undoubtedly reduce the pressure on our house purchase. Although some experts have proposed to cancel the provident fund system, it is still impossible to cancel it from the perspective of the improvement and upgrading of the provident fund system by the state. what do you think?