80 days and 10 places to sell: no refuse to provident fund loans! Violators will be heavily punished.

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 80 days and 10 places to sell: no refuse to provident fund loans! Violators will be heavily punished.


New warp and weft shots in data sheets

On June 28, the Ministry of Residence and Construction and other seven departments jointly issued the Notice on Preventing Unlawful Acts against the Interests of the People in Some Cities to Control the Real Estate Market Chaos. Six kinds of illegal acts committed by real estate development enterprises were taken as the key targets of rectification, including restriction, obstruction and refusal to buy houses. People use housing provident fund loans or mortgage loans.

Within 80 days, 1 provinces and 9 cities responded.

Hunan, Nanjing, Foshan and other places issued corresponding programs or measures to combat the above-mentioned violations of laws and regulations. On September 12, the Interim Measures for the Management of Lists of Serious Loss of Credit by the Operators of the Real Estate Market of Hunan Province were promulgated, which stipulated that the real estate enterprises should restrict, obstruct or refuse the use of housing accumulation fund loans or mortgage loans by the purchasers, and the departments in charge of real estate at or above the county level would be listed on the blacklist of losing credit.

On August 15, Yichang Housing Provident Fund Management Center held a special office meeting to arrange the deployment center to carry out a special rectification action of restricting, refusing and obstructing the use of provident fund loans by house buyers.

In addition, Beijing, Chengdu, Zhengzhou, Luoyang, Xinxiang, Urumqi and other cities issued notices or announcements respectively, stipulating that housing enterprises and intermediaries should not limit, obstruct or refuse to use housing provident fund loans by raising housing sales prices and reducing price discounts. Chengdu Housing Provident Fund Management Center said on August 13 that it will focus on rectifying the violations of restrictions, obstructions and refusals by development enterprises to use provident fund loans through on-site inspections, undercover visits and spot checks.

However, this is not the first reference by the Ministry of housing and other relevant departments to safeguard the rights and interests of provident fund purchase loans.

On December 26, 2017, the Ministry of Housing and Construction, the Ministry of Finance, the Peoples Bank of China, the Ministry of Land and Resources and other four departments jointly issued the Circular on the Protection of the Rights and Interests of Housing Provident Fund Deposited Workers in Housing Loans, requesting the orders of real estate development enterprises and sales intermediaries that restrict, obstruct and refuse to use housing Provident Fund loans to buy houses. Rectification. If the violation is serious and refuses to rectify it, it should be publicly exposed and incorporated into the enterprise credit reporting system and dealt with seriously according to law.

Since then, various localities have issued texts to regulate the use of housing provident fund loans in the sale of commercial housing purchase behavior, to safeguard the rights and interests of workers deposited in the provident fund. Sino-Singapore Jingwei Client (Weixin Public Number: jwview) preliminary statistics found that Hainan Province, Guangzhou, Shenzhen, Wuhan, Hangzhou, Xian, Taiyuan, Lanzhou, Suzhou, Foshan and more than 20 places have publicly indicated that restrictions, obstructions, refusal of workers to use housing provident fund loans to buy houses after last Decembers notice issued. Enterprises and intermediaries order rectification.

According to the Xinhua News Agency on April 2, after the announcement was issued in December last year, developers in Shanghai, Guangdong, Fujian and other places still refused the provident fund loans in disguised form by setting the proportion of subscriptions, payment deadlines and refusing to combine loans, damaging the rights and interests of buyers.

Zhang Bo, chief analyst of the Anjuke Real Estate Research Institute, said the slow repayment rate was the main reason developers excluded home buyers from using provident fund loans. The complex process of provident fund loan and long lending cycle lead to the decline of enterprise fund turnover rate, and the pursuit of high turnover Housing enterprises will produce resistance to the provident fund loan.

Zhang Bo also said that the development process of real estate enterprises often need to cooperate with banks, many banks agree to lend one of the conditions is to obtain a large number of high-quality mortgage customers, which is also a reason for the opener to refuse provident fund loans.

Yan Yuejin, director of the think-tank research center of Shanghai Yiju Research Institute, believes that due to the tightening of commercial loans, support for the withdrawal of provident fund can effectively protect renters, reasonable demand for housing and improved demand, follow-up efforts should also be made in the implementation of policies.

Beijing Housing Provident Fund Management Center in August 17 on further safeguarding the housing provident fund deposit workers mortgage rights and interests said that the refusal, disguised refusal to purchase housing provident fund loans, to order rectification; refusing to rectify, to be publicly exposed. Departments should share the exposure of dishonesty to enterprises or individuals who break the rules, so as to break the rules and regulations in one place and block them everywhere.

Zhengzhou Municipal Peoples Government issued a circular on investigating and punishing illegal pre-sale of commercial housing in accordance with the law on August 21, requiring Housing enterprises to obtain the pre-sale license for commercial housing and to post a written commitment not to refuse to use housing provident fund loans in the sales department. Illegal enterprises shall be publicly exposed by the Municipal Housing Provident Fund Management Center, investigated and punished by relevant departments according to law, and recorded in enterprise credit files.

Nanjing Housing Provident Fund Management Center issued the Nanjing Housing Provident Fund Mortgage Agreement Management Measures on September 11, asking developers and Nanjing Housing Provident Fund Management Center to sign the Nanjing Housing Provident Fund Loan Mortgage Agreement. Those who refuse or obstruct the purchase of a house with a loan from the provident fund shall be ordered to make rectification; those who fail to make rectification within the time limit may be fined not less than 3,000 yuan but not more than 30,000 yuan by the unit and those in charge who bear direct responsibility shall be fined not less than 200 yuan and not more than 2,000 yuan by the person in charge.

Urumqi Housing Provident Fund Management Center issued an article on August 15 entitled Urumqi Housing Provident Fund Management Center and other five departments jointly act to resolutely safeguard the rights and interests of deposited workers to purchase loans. According to the article, any existing requirements or disguised requirements for home buyers to abandon the right of housing provident fund loans or increase other restrictions. If a real estate enterprise refuses to rectify a mortgage loan agreement with the Urumqi Housing Provident Fund Management Center or fails to sign a mortgage loan agreement with the Urumqi Housing Provident Fund Management Center within the prescribed time limit, it will be publicly exposed and taken to suspend the online signing of the contract, suspend the funds allocation of the pre-sale funds supervision account, and incorporate it into the enterprise credit system, etc. Disciplinary measures. Zhang Bo believes that the housing enterprises to solve the problem of refusing to fund loans, to plug up also sparse. On the one hand, it is necessary to increase the penalties for developers to refuse provident fund loans, on the other hand, it is necessary to further reduce the operating threshold of provident fund loans, simplify the process of provident fund loans, and shorten the time for provident fund loans. The notice issued in December last year pointed out that the housing provident fund management center and the entrusted bank should standardize the loan business process, reduce the examination and approval links, reduce the time limit for examination and approval. The examination and approval work will be completed within 10 working days from the date of accepting the loan application. If a loan is granted, a trustee bank shall be notified of the loan formalities. If the loan is not granted, the reason shall be explained. Source: Zhong Xin Jingwei editor: Ji Guo Jie _NBJ11143

Urumqi Housing Provident Fund Management Center issued an article on August 15 entitled Urumqi Housing Provident Fund Management Center and other five departments jointly act to resolutely safeguard the rights and interests of deposited workers to purchase loans. According to the article, any existing requirements or disguised requirements for home buyers to abandon the right of housing provident fund loans or increase other restrictions. If a real estate enterprise refuses to rectify a mortgage loan agreement with the Urumqi Housing Provident Fund Management Center or fails to sign a mortgage loan agreement with the Urumqi Housing Provident Fund Management Center within the prescribed time limit, it will be publicly exposed and taken to suspend the online signing of the contract, suspend the funds allocation of the pre-sale funds supervision account, and incorporate it into the enterprise credit system, etc. Disciplinary measures.

Zhang Bo believes that the housing enterprises to solve the problem of refusing to fund loans, to plug up also sparse. On the one hand, it is necessary to increase the penalties for developers to refuse provident fund loans, on the other hand, it is necessary to further reduce the operating threshold of provident fund loans, simplify the process of provident fund loans, and shorten the time for provident fund loans.

The notice issued in December last year pointed out that the housing provident fund management center and the entrusted bank should standardize the loan business process, reduce the examination and approval links, reduce the time limit for examination and approval. The examination and approval work will be completed within 10 working days from the date of accepting the loan application. If a loan is granted, a trustee bank shall be notified of the loan formalities. If the loan is not granted, the reason shall be explained.