The housing provident fund policy has been adjusted in many places in May.

Jingmen Housing Provident Fund Center in Hubei Province announced a new policy for the property market, which increased the maximum loan amount for single-deposit employees' families, canceled the difference between the maximum loan amount for single-deposit employees' families and double-deposit employees' families, and increased the maximum loan amount for single-deposit employees' families from 5, yuan to 7, yuan, which is consistent with that for double-deposit employees' families. ?

the senior analyst of the data research center believes that Jingmen's further optimization of the housing provident fund use policy is a practical embodiment of "policy for the city" and can promote the release of housing demand to a certain extent, which is also a relatively common and highly recognized relaxation measure.

Housing accumulation fund has become one of the important directions of real estate policy adjustment in many cities. According to incomplete statistics, except Jingmen, Hubei Province, Guizhou Province and Tongliao City, Inner Mongolia all issued announcements after the May Day holiday to adjust the provident fund loan policy.

According to the statistics of Zhongyuan Real Estate Research Institute, the cumulative monthly real estate control policies in local property markets have reached more than 7 times, among which the frequency and proportion of provident fund policies remain high.

Many people in the industry interviewed believe that preventing real estate risks is still the key point, and the overall real estate policy environment is still in a relaxed state under the current market environment. However, most third-and fourth-tier cities are still in adjustment, and there may be more favorable policies in the real estate market in the future.

Housing accumulation fund has become the focus. Many cities have adjusted their housing accumulation fund policies this year. Among them, increasing the maximum loan amount and further relaxing the loan restrictions for families with many children have become the main measures for the adjustment of housing provident fund policies in various places. ?

In addition to Jingmen, Hubei Province, Guizhou Province and Tongliao City, Inner Mongolia issued announcements after the May Day holiday to adjust the provident fund loan policy. Guiyang. com issued the Notice of Guizhou Provincial Housing Fund Management Center on Increasing the Loan Amount for Double-paid Workers' Families to Purchase the First House and Families with Many Children. Its main content is that if Guizhou Provincial Provident Fund double-paid workers' families purchase the first house, the maximum loan amount will be increased from 6, yuan to 7, yuan; If a family with many children buys a house, the maximum loan amount can be increased by 1, yuan on the basis of other standards.

Tongliao City, Inner Mongolia also announced that the provident fund loan business is carried out in the whole city, and those who buy self-occupied houses within the administrative area of Tongliao City can apply for cross-regional mortgage business at the loan place when they apply for loans at the deposit place. ?

Zhengzhou, Ningbo, Hefei and other cities have optimized their provident fund policies, mainly covering related measures such as increasing the amount of provident fund loans and renting houses, and supporting the provident fund to pay the down payment. Hangzhou, Fuzhou, Hefei and other places have increased the amount of provident fund loans or rental housing for multi-child families. ?

First-tier cities have also joined the queue of fine-tuning provident fund policies. Shanghai issued a notice saying that families with many children who meet the requirements of the city's housing provident fund lease can withdraw the housing provident fund according to the actual rent expenditure.

For families with many children who meet the housing provident fund loan requirements of this Municipality, the maximum loan limit (including the maximum loan limit for supplementary provident fund) will increase by 2% on the basis of the maximum loan limit in this Municipality. Guangzhou will increase the provident fund loan scheme for families with two children and above by 3%, and raise the maximum credit limit of provident fund loans to 1.3 million yuan. ?

The adjustment of housing accumulation fund by local governments is becoming more and more accurate. According to the research director of the think tank center of Yiju Research Institute, Jingmen's substantial increase in the amount of single-paid employees means that the housing provident fund in this area has paid attention to fairness while increasing the amount. These single-paid families also have demands for buying houses. This adjustment is a breakthrough from the original limit of less housing provident fund for single-paid families.

Fine-tuning the provident fund can boost market confidence, which has limited effect on the recovery of the property market.

According to the monitoring data of the middle finger, there have been more than 25 policies issued by Super 1 cities, of which over 4% are related to the provident fund. Provident fund policy is still one of the important means for cities to support housing consumption. ?

The director of market research of China Central Finger Research Institute pointed out in an interview with finance and economics that there were some limitations in the withdrawal of housing provident fund, but policies such as multi-city provident fund supporting "business-to-public", withdrawal of provident fund to pay down payment, and flexible employment provident fund pilot were introduced one after another, which expanded the scope of use of provident fund and revitalized housing provident fund, which was conducive to alleviating the pressure of home buyers and boosting their home ownership mood. "Although the strength of such policies is relatively limited, the cumulative effect of multiple policies can still have a positive impact on the expectations of buyers and the recovery of market transactions, especially in hot cities."

in order to boost market confidence and accelerate the release of housing demand, relaxing the provident fund loan policy has become one of the important optimization methods in various places, which will give full play to the advantages of housing provident fund loans and effectively alleviate the pressure of buying houses. As an important means of real estate regulation and control, provident fund policy is widely used. From the policy point of view, it is most common to increase the maximum amount of provident fund loans and reduce the down payment ratio. The policy is of great significance to alleviate the pressure of buying houses and enhance market activity. However, from a practical point of view, the stimulating effect of the adjustment of provident fund policy on the market is gradually weakening, and the market needs to strengthen more powerful favorable policies. ?

increasing the amount of housing provident fund will help reduce the cost of housing purchase for residents, which will play a positive role in promoting the recovery of the current property market. For small cities, the amount of housing provident fund can basically cover the cost of buying a house, so the effect is relatively good. However, for big cities, due to the relatively limited quota and the high cost of buying houses, fine-tuning the housing provident fund policy may not be too effective. However, the chief economist of Zhongyuan Real Estate pointed out that the relative coverage of provident fund policies in cities, especially in first-tier cities, is too small to stimulate the improvement of demand, and the market tends to cool down in Xiaoyangchun in the second quarter.

The recovery of the property market has been repeated, and the industry expects more favorable policies to be introduced.

The property market regulation policy emphasizes local policies such as "one city, one policy" and flexible use of credit, and the scope of canceling the policy of restricting purchases and loans is increasing. In addition to optimizing the purchase restriction policy, reducing the down payment ratio, increasing the amount of provident fund, granting housing subsidies, reducing the sales restriction period, and providing financial support for housing enterprises, some cities continue to improve the policy toolbox, support families with many children to buy houses and lease to break the purchase restriction, and policies such as "transfer with mortgage" and "serial list" for second-hand houses in many places have also been released.

"At present, overall, the policy content is getting wider and wider, and the policy strength is getting stronger and stronger. With the blowout of credit supply, the property market in first-and second-tier cities has stabilized. " However, most third-and fourth-tier cities are still in adjustment, so the market still needs more favorable policies. ?

after the "Xiaoyangchun" market in some areas in the first quarter, the real estate market recovered repeatedly. According to the statistics released by the Central Finger Research Institute, the average price of new residential buildings in Baicheng increased by .2% month-on-month, which was the same as last month. There are 44 cities where the price of new residential buildings fell month-on-month, an increase of 5 from last month. The average price of second-hand residential buildings in Baicheng increased month-on-month and year-on-year. There are 76 cities with a month-on-month decline in second-hand housing prices, an increase of 8 from last month. ?

the chief analyst of the financial industry of everbright securities pointed out that the sales amount of the top 1 real estate enterprises has declined, and the sustainability of the demand-side purchasing power release still needs to be observed, and the short-term economy still shows a weak recovery situation.

as far as the sustainability of the current market recovery is slightly weakened, the real estate market still needs continuous support from the policy side. It is expected that all localities will continue to adhere to the principle of "implementing policies according to the city" and introduce more targeted and diversified support policies, including measures such as relaxing the purchase restriction and reducing the down payment ratio. ?

Politburo meeting of the Chinese Communist Party has set the tone for the real estate market. The overall tone has not been affected by the local market warming in the first quarter, and the short-term real estate policy will remain loose. It is very important to stabilize the confidence and expectations of buyers. In the second quarter, policies such as guaranteeing the delivery of buildings and increasing the "three arrows" to support the financing of housing enterprises that have been introduced in the early stage are expected to continue to be put in place. Local property market policies may continue to be optimized, such as focusing on suburbs with high inventory in first-and second-tier cities, or optimizing the purchase restriction conditions and the policy of recognizing houses and loans in accordance with the principle of one district and one policy; Combined with the birth policy, support the number of sets of purchases, the down payment ratio, the mortgage interest rate and the amount of provident fund loans for families with many children; Reduce taxes and fees on housing transactions.