Recently, Nanning Housing Provident Fund Management Center officially released the Annual Report of Nanning Housing Provident Fund 2023 (hereinafter referred to as the "Report") to the public, disclosing the operation of Nanning Housing Provident Fund in 2023.According to the data, in 2023, Nanning Housing Provident Fund Management Center will issue 17900 personal housing loans of RMB 10.086 billion (including 10800 business to business loans of RMB 5.909 billion). The housing provident fund withdrawn throughout the year will mainly be used to support the housing consumption of employees, including the purchase, construction, renovation, overhaul of self owned housing, repayment of the principal and interest of house purchase loans, rental housing, etc.
Converge the policy of benefiting people and highlight the role of guarantee
In 2023, in order to strengthen reform and innovation, Nanning Housing Provident Fund Management Center will introduce a number of policies to refine the original policies, consolidate the existing foundation, and at the same time, aggregate the policies that benefit the people and highlight the role of security.
The maximum amount of individual housing loan is 800000 yuan.The maximum amount of the first set of provident fund loans for families with two children and three children can be increased by 100000 yuan and 200000 yuan respectively on the basis of the current maximum loan amount.
17900 individual housing loans of RMB 10.086 billion (including 10800 loans from issuers to public companies of RMB 5.909 billion) were issued, with year-on-year growth of 28.01% and 37.45% respectively.
The individual housing loan recovered was 2.965 billion yuan.By the end of 2023, a total of 170200 individual housing loans had been granted, amounting to 54.245 billion yuan, with a loan balance of 34.567 billion yuan, up 11.72%, 22.84% and 25.94% respectively from the end of the previous year;The balance of individual housing loans accounted for 91.38% of the balance of deposits, an increase of 11.24 percentage points over the end of the previous year.
982 non local loans of 531.975 million yuan were granted.By the end of 2023, the total amount of non local loans granted was 1562116000 yuan, and the balance of non local loans was 1377866700 yuan.
Support the improvement of housing and help realize the "dream of living in peace"
In terms of capital storage, Nanning housing provident fund deposits will reach 4.137 billion yuan by the end of 2023.
In the number of employee loans, 25.54% of them are under 90 (including) square meters of building area, 70.62% are between 90 and 144 (including) square meters, and 3.84% are above 144 square meters.The purchase of new houses accounted for 87.48% (of which the purchase of affordable houses accounted for 0.49%), the purchase of second-hand houses accounted for 12.51%, and the construction, renovation and overhaul of self owned houses accounted for 0.01%.
Among the withdrawn amount, 17.09% was for the purchase, construction, renovation and overhaul of self occupied housing, 47.49% was for the repayment of the principal and interest of the house purchase loan, 10.94% was for the rental housing, 0.06% was for the reconstruction of old residential areas, 17.98% was for retirement and retirement, 4.12% was for the withdrawal of completely losing the ability to work and terminating the labor relationship with the unit, and 2.32% was for others.Among the extracted employees, 99.14% were middle and low income, and 0.86% were high income.
Implement both renting and purchasing to meet basic housing needs
In 2023, Nanning Housing Provident Fund Management Center will insist on both renting and purchasing to meet the basic housing needs of depositors.Among them, in terms of rental withdrawal, the amount of rental withdrawal has been increased;For housing lease registration, the amount of withdrawal can be calculated according to the recorded rental price.Realized the online processing of "zero materials" for public housing provident fund withdrawn from the rental of registered housing and public rental housing.The pilot work of drawing housing provident fund to directly pay the rent of indemnificatory rental housing was carried out.In 2023, a total of 343600 people will handle the withdrawal of rental housing, with the withdrawal amount of 1182943300 yuan.
In terms of supporting the depositor to purchase the first ordinary self owned housing with a loan, from May 1, 2023, if both the husband and wife have paid the housing provident fund in Nanning Housing Provident Fund Management Center, and purchased new commercial housing within the administrative region of our city and met the housing provident fund loan policy for the first house, the maximum amount of housing provident fund loan will be increased to 900000 yuan.In 2023, 13200 provident fund loans will be issued for the purchase of the first house, accounting for 73.69%;The amount was 7712445000 yuan, accounting for 76.47%.
In 2023, Nanning Housing Provident Fund Management Center will continue to improve service facilitation.Three new services of "trans provincial general office" for housing provident fund, such as "housing rent and housing provident fund withdrawal", have been added. At present, 14 services of "trans provincial general office" have been realized;The "bright code can be handled" initiative was launched, and the employees who paid can obtain the "electronic code for personal business handling of housing provident fund" through the "national public service of housing provident fund" applet, and can handle the business by presenting the electronic code to Nanning Housing Provident Fund Management Center.(Reporter Yin Haiming, Correspondent Li Yifeng)
