165438+1October 1 1, Shenzhen Housing Provident Fund Management Center issued a notice saying that the off-site provident fund was transferred to Shenzhen to realize online operation.
A Shenzhen citizen told 2 1 Century Business Herald that he had worked in Guangzhou, so he paid the provident fund in Guangzhou for a while, and later changed jobs and came to Shenzhen. After seeing the notice, he immediately launched an application for transfer and connection in different places in the "Shenzhen Provident Fund" area of Alipay. Less than a minute before and after, and is currently handling business.
Once the transfer is successful, the balance of his provident fund can participate in the calculation of the local loan amount in Shenzhen, and can be withdrawn if the relevant conditions are met.
In fact, as early as February 30th, 20 19, Guangdong-Hong Kong-Macao Greater Bay Area Housing Provident Fund information sharing platform was launched. Between nine cities in Greater Bay Area, the cross-regional business of provident fund only needs to be handled at the local window, and there is no need to travel between the two places. This time, Shenzhen upgraded "only run once" to "handle it at home", which provided the greatest convenience for the citizens.
265438+20 th Century Business Herald found that since the beginning of this year, many urban agglomerations and metropolitan areas across the country have signed agreements on the integration of provident funds to realize mutual recognition and mutual loans in different places. In the eyes of observers, this has improved the efficiency of resource utilization and complied with the demand for the free flow of talents and other factors. In some places, on the basis of existing policies, the procedures have been simplified, and individuals can enjoy the housing security function of provident fund more conveniently from the operational level.
Li, the chief researcher of Guangdong Housing Policy Research Center, told 2 1 Century Business Herald that it is relatively simple to withdraw provident fund from off-site business; However, if you pay the provident fund in city A, but buy a house in city B and use the provident fund loan in city B, it happens that the amount of provident fund in city B is relatively tight, and there may be some obstacles.
A number of "groups" implement mutual recognition and mutual loans.
As early as 20 14 and 10, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, which clearly stated for the first time that mutual recognition of housing provident fund will be realized in different places.
There have been some explorations in various places. Take Shenzhen as an example. If the registered employees of this Municipality are employed in different places and pay the housing provident fund and buy the first set of self-occupied housing in this Municipality, they can apply for provident fund loans in Shenzhen; On the other hand, if you pay the provident fund in Shenzhen and buy a house in a different place, you need to consult the local government whether it supports the provident fund loan in different places.
Since the beginning of this year, the integration of provident fund with urban agglomerations and metropolitan areas has become an important feature of mutual recognition of provident funds in different places.
10.5, 165438+, the cooperation of housing provident fund loans in different places in Greater Nanchang Metropolitan Area was officially launched. From that day on, employees in Jiujiang, Yichun, Fuzhou, Shangrao and Nanchang have to apply for loans from different places in the metropolitan area without going back and forth.
At the end of 10, a joint meeting on the integrated development of housing provident fund in Jiaodong Economic Circle was held. Qingdao, Yantai, Weihai, Weifang and Rizhao will promote mutual recognition of housing provident fund transfer and deposit information, cancel the household registration restrictions of housing loan employees in the region, realize real mutual recognition and mutual loan, and ensure that employees applying for loans in different places enjoy the same rights as those applying for loans from local institutions.
Wang Yucheng, deputy director of Qingdao Housing Provident Fund Management Center, recently further introduced in an online political column that employees who pay housing provident fund in Weifang and buy self-occupied houses with property rights on state-owned land in Qingdao can apply for loans from different places in Qingdao.
On September 25th, Wuhan, Changsha, Hefei and Nanchang, the capital cities in the middle reaches of the Yangtze River, Huangshi, Yueyang, Jiujiang, Huanggang, Zhuzhou, Fuzhou, Xianning, Xiangtan and Yichun, Yichang and Jingzhou along the Yangtze River in Hubei Province, and Xiaogan, Ezhou, Tianmen, Xiantao and Qianjiang in the "1+8" city circle * * *.
The cooperation of housing accumulation fund in urban agglomerations in the middle reaches of the Yangtze River began at 20 14, and expanded from the previous four provincial capitals to 20 cities today. The business scope has also expanded from mutual recognition of deposits in different places to mutual recognition and loan in different places, transfer and connection in different places, and information verification and sharing.
On August 20th, the housing construction departments of Shanghai, Zhejiang, Jiangsu and Anhui signed the Framework Agreement on the Integration of Housing Provident Funds in the Yangtze River Delta. The three provinces and one city will take the lead in cooperation from nine aspects, such as the investigation of cross-regional housing purchase information in the Yangtze River Delta, mutual recognition of loan certification information in different places in the Yangtze River Delta, and the unified policy of housing purchase and withdrawal in the Yangtze River Delta ecological and green integration development demonstration zone.
In March, a symposium on the integrated development of housing provident fund in Chengdu-Chongqing economic circle was held, and a cross-regional transfer, mutual recognition and mutual loan mechanism was initially established in the two places, making it more convenient for employees to use housing provident fund loans across regions.
According to a news released by Chengdu Housing Provident Fund Management Center on June 65438+1October 19, according to the data * * *, Chengdu Center has deposited employees to apply for provident fund loans in Chongqing Center for more than 20 times, and has issued more than 30 provident fund loans with a total amount of about130,000 yuan.
Promote the integration of metropolitan area
For employees who have paid the provident fund, the demand for mutual recognition and mutual loan in different places is mainly based on two situations: one is job-hopping, and the provident fund needs to be transferred to realize "the account goes with the person, and the money goes with the account"; The other is to get a job in one city and buy a house in another city.
According to a data of 20 19 in Guangdong province, urban provident fund business in Guangdong-Hong Kong-Macao Greater Bay Area mainland accounts for more than 85% of the total in Guangdong province, and business in different places accounts for more than 90% of the total in Guangdong province.
To some extent, the above-mentioned integration of provident funds with urban agglomerations and metropolitan areas is on the one hand because the population flow within the group is relatively more frequent, and on the other hand, the quota problem is controlled within a certain range.
Why do many groups intensively promote the merger of provident funds? Li believes that this year, the Central Committee and the State Council issued the Opinions on Building a More Perfect System and Mechanism for Factor Market Allocation, which put forward a top-level design to promote the independent and orderly flow of factors and improve the efficiency of factor allocation, including the natural flow of factors such as population and capital, and provident fund is one of them.
When employees change jobs in cities, the provident fund paid by the original city may be in a state of "deep sleep" for a long time, and "accounts go with people and money goes with accounts" is conducive to improving the efficiency of the use of provident fund.
On the other hand, from the perspective of regional integration, urban agglomerations or metropolitan areas often have higher housing prices in central cities. Because rail transit makes commuting faster, some people choose to buy houses and live in cities adjacent to their workplaces, which is already a market-oriented behavior in itself and is also of great significance to the population relief in big cities. Mutual recognition and loan of provident funds in different places make this group enjoy the benefits of provident funds better, which is objectively equivalent to enhancing the radiation effect of central cities.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the provident fund consolidation policy can form a supporting effect on cross-city buyers. On the other hand, it has also cooperated well with the construction of metropolitan areas around the country and contributed to the formation of a better population distribution.
2065438+February 2009, the Guiding Opinions on Cultivating and Developing Modern Metropolitan Area issued by the National Development and Reform Commission proposed to coordinate the overall interests of metropolitan area and the comparative advantages of cities, strengthen the professional division of labor and cooperation among cities, promote the enjoyment of public services, and achieve mutual benefit and win-win in deepening cooperation.
In addition, Li also told the reporter of 2 1 Century Business Herald that in the process of urbanization in the future, the demand for new citizens to buy houses is still very large, and the National Development and Reform Commission recently proposed "promoting the healthy development of housing consumption", and the transfer of provident fund and mutual recognition and loan in different places will play an important role in promoting housing consumption.