CCTV News:Recently, Beijing Housing Provident Fund Management Center announced the 2017 Annual Report of Beijing Housing Provident Fund. The report shows that in 2017, the housing accumulation fund was 171.159 billion yuan, an increase of 20.942 billion yuan over the previous year and a year-on-year increase of 13.9%. By the end of 2017, the housing accumulation fund had accumulated 1,111.627 billion yuan, breaking through the trillion mark for the first time.
The number of depositors is increasing, and one in three people pays.
From the data of housing provident fund deposit, the number of paid-in units increased from 100,266 in 2014 to 158,263 in 2017, an increase of 57,997, with an increase of 57.8%. The number of paid-in employees increased from 5,713,900 in 2014 to 7,322,300 in 2017, an increase of 1,608,400, an increase of 28.1%. In 2017, there were 21.707 million permanent residents in Beijing, which means that one in every three people paid the housing provident fund.
More than 3 million people withdrew more than 126.1 billion from the housing provident fund last year.
Judging from the withdrawal situation, in 2017, a total of 3,257,300 employees paid housing provident fund withdrawal, accounting for 44.5% of the total number of employees who paid housing provident fund that year; A total of 126.191 billion yuan of housing provident fund was withdrawn, accounting for 73.7% of the housing provident fund collected in that year.
Nearly 90% of it is used for housing consumption.
Among the 3,257,300 employees, middle and low incomes accounted for 91.2%. The housing accumulation fund withdrawn by employees is mainly used for housing consumption expenses (mainly including buying houses, repaying the principal and interest of housing loans, renting houses, etc.). Of the amount withdrawn in 2017, 89.2% was used to support housing consumption, and only about 10% was used for non-housing consumption such as retirement and retirement withdrawal.
Housing provident fund personal loan business shrank by half.
In 2017, under the influence of "3.17 New Deal", the real estate market in Beijing continued to cool down, and the transaction volume decreased significantly compared with 2016. In 2017, the sales area of commercial housing in Beijing was 8.75 million square meters, down 47.8% from the previous year. Reflected in the personal loans of housing provident fund, the amount of loans issued in 2017 decreased by 50.1% year-on-year, shrinking by half, and the corresponding number of loans issued and the amount of loan recovery decreased, while the cumulative amount of loans issued, the cumulative number of loans issued and the loan balance slowed down.
Housing provident fund loan nine became the first set of housing.
Among the 57,818 housing units supported by Beijing’s housing provident fund personal loans in 2017, 64.2% were stock commercial housing, except 27.6% were affordable housing. Of these 57,818 housing units, 90.6% are first-time housing units and 68.0% are housing units with an area of less than 90 square meters. 75.5% of the people served by housing provident fund personal loans are under 40 years old (inclusive), 88.7% of the applicants are applying for housing provident fund personal loans for the first time, and 98.7% are middle-and low-income groups. It can be seen that the personal loan of housing provident fund mainly supports the rigid demand of middle-and low-income groups under the age of 40 to buy the first set of self-occupied small and medium-sized houses. Under the orientation of "houses are used for living, not for speculation", housing provident fund has played its due institutional role. (CCTV reporter Tigerson Yang)