6月1日起，山东临沂市9县住房公积金贷款额度上限将由20万元提高至30万元。除此外，安徽蚌埠、江西南昌、湖北武汉等部分城市近期也出台住房公积金“新政”。对此，有关政府部门称，这些“新政”是为提振“刚需”，但百姓担心会推高房价。

June 1，Sponsored by linyi 9 county housing accumulation fund loan amounts to 200000 yuan by the upper limit increase to 300000 yuan。good-natured，bengbu、Jiangxi nanchang、Wuhan, hubei province parts of the city recently issued housing accumulation fund“New Deal”。this，The relevant government department says，these“New Deal”Is to boost for“Just need to”，But the people worry will push the high housing prices。

新政 New Deal

多地公积金贷款者增加 Many borrowers increases accumulation fund

　　16日，在湖北武汉、山东滨州等地多个住房公积金管理中心办事大厅，前来咨询、办理公积金贷款业务的市民明显增多，不少办事大厅中都出现了“一座难求”，一些工作人员来回穿梭，拿着“明白纸”向市民解释新政策。

16，Wuhan in hubei、Shandong binzhou, multiple housing accumulation fund management center handle affairs the hall，To come to consult、For the citizens of accumulation fund loan business significantly increased，Many work has appeared in the hall“A difficult beg”，Some staff shuttling back and forth，take“MingBaiZhi”To explain the new public policy。

　　武汉一位办理公积金贷款的市民说：“我看好一套单价为8100元、面积为85平方米的商品房，最多能贷到55万元，只需拿出14万元首付就能住上新房。”

Wuhan a deal with the citizens of accumulation fund loan said：“I have a good a unit price is 8100 yuan、An area of 85 square meters of commodity house，Most can borrow for 550000 yuan，Just take out 140000 yuan to live down on a new home。”

　　近日，武汉市对用公积金贷款购买90平方米以内住房放宽贷款额度，最高可申请到八成贷款，只需支付两成首付。

recently，Wuhan to use accumulation fund loan to buy 90 square meters of housing relaxed within loans，Highest can apply for loans to eighty percent，Just pay twenty percent down。

　　除武汉、临沂外，多个城市近期出台公积金“新政”。山东滨州市提高住房公积金抵押和信用贷款额度，贷款年限也由15年延长至20年。安徽蚌埠市规定，在市区购买新建住房，公积金贷款最高限额由30万元提高到35万元。江苏常州市提出，根据公积金贷款家庭困难程度不同，给予80%至100%的贴息。

In addition to wuhan、Linyi outside，Cities on recent accumulation fund“New Deal”。Shandong binzhou raise mortgage and housing accumulation fund credit loans，Loan fixed number of year by 15 years also extended to 20 years。Anhui bengbu regulations，In the city to buy a new home，Accumulation fund loan ceiling from 300000 yuan to 350000 yuan increase。Jiangsu changzhou put forward，According to different levels of accumulation fund loan family difficulties，Give a 80% to 100% of the earnings。

用意 intention

刺激刚需人群购房 Just need to stimulate the crowd the house

　　武汉公积金中心贷款处负责人胡斌说，住建部等明确支持首套房购房需求，多地公积金政策调整正好满足了这种需求。刚需人群通过公积金贷款，降低了首付压力。同时，与商业性住房贷款利率比较，公积金个贷利率低2.1%左右，购房者利息负担明显降低。

Wuhan accumulation fund center of loan place hu bin said，Live JianBu etc explicitly support the pent-up demand first suite，Many policy adjustment just meet the accumulation fund of this kind of demand。Just need to people through the accumulation fund loan，Reduce the low pressure。At the same time，And commercial housing loan interest rate is，Accumulation fund GeDai low interest rate 2.1%，The person that buy a house interest burden is decreased obviously。

　　中投顾问房地产行业研究员殷旭飞也认为，公积金“新政”，意在刺激购房者的刚性需求，促使房地产市场供需得以平衡。

The real estate industry consultant YanXuFei researcher has also think，Accumulation fund“New Deal”，The person that buy a house to stimulate the rigid demand，The real estate market to supply and demand to balance。

　　中南财经政法大学房地产研究所所长张东说，房地产调控政策主要在于抑制投资投机性需求。当前有能力购房的人群因“限购”不能买房，而刚性需求却面临较大的购房困难，因此公积金“新政”出台是必要的，也正是房地产调控朝着精细化科学化方向发展的表现。

Central south university of politics and law of institute of real estate finance and economics zhangdong said，Real estate investment control policy mainly lies in the suppression speculative demand。The current has the ability to purchase because of the crowd“限购”Cannot buy a house，And rigid demand is facing larger housing difficulties，So accumulation fund“New Deal”Come on stage is necessary，It is also fine scientific direction toward real estate regulation of the development of performance。

担忧 concerns

公积金救市会推高房价 Accumulation fund to help city will push the high housing prices

　　尽管是为了提振“刚需”，仍有不少市民担忧，近期多个城市的公积金“新政”是在“曲线救市”，是对房地产调控政策的变相松绑，可能抬高房价，冲击来之不易的房地产调控成果。

Although is to jumpstart“Just need to”，There are still many people worried，Recent multiple city accumulation fund“New Deal”Is in“Curve help city”，The real estate control policy easing in disguised form，Prices may，The impact of the hard-won real estate control results。

　　对此，山东青州市国泰置业有限公司董事长李根伟等开发商认为，公积金“新政”实施后，虽然会满足一些首套房购房需求，但对楼市整体成交量影响有限，不会大幅推高房价。

this，Shandong qing zhou hua cathay real estate Co., LTD, the chairman LiGenWei developers think，Accumulation fund“New Deal”After implementing the，Although will meet some of the pent-up demand first suite，But a limited impact on the overall volume of property market，Won't considerably push the high housing prices。

　　“依照我国公积金管理制度，公积金贷款最高限额的调整权限在地方政府，调整主要依据当地平均收入水平、公积金缴纳额度和房价变化而定。”胡斌说，当前房价上涨已得到初步控制，但是还未达到调控预期目标。“限购”等主流调控政策仍将持续，一些地方的公积金政策“微调”不会影响大局。

“According to our country accumulation fund management system，Accumulation fund loan maximum adjustment in local government authority，Adjust the main basis local average income level、Accumulation fund to pay the amount and house prices change and decide。”Bin hu said，The current rising house prices have been preliminary control，But is not yet at the regulatory expectations goal。“限购”In major control policies will continue，In some places the accumulation fund policy“fine-tuning”Will not affect overall situation。

　　山东大学房地产研究中心主任李铁岗认为，根据现行规定，住房公积金贷款主要用于首套购房和改善性住房需求，因此房价不可能被推高。相反，住房公积金积极入市，可以刺激开发商进一步增加普通商品房的供给量，甚至为房价继续下行创造条件。

Shandong university, director of the center for real estate research LiTieGang think，According to the present regulation，Loan of housing accumulation fund is mainly used in the first set of purchase and improve sexual housing needs，So the house prices could not be pushed higher。instead，Housing accumulation fund positive market，Can stimulate developers to further increase the supply of common commodity house，Even for house prices continue to downlink create conditions。

调查 survey

公积金结余4000亿元 Accumulation fund balance is 400 billion yuan

　　中国证监会主席郭树清去年底透露，全国住房公积金已累计缴存3.9万亿元，其中1万多亿元贷出去，余额2.1万亿元。业内人士测算，公积金余额在满足正常提取、贷款并留足备付金的情况下，结余资金超过4000亿元，沉淀资金数额巨大。

Guo said at the end of the China securities regulatory commission，The accumulative total capture puts housing accumulation fund has 3.9 trillion yuan，Among them more than 10000 one hundred million yuan loans out，Balance of 2.1 trillion yuan。Industry estimates，Accumulation fund balance in meet the normal extraction、Loans and stipulations，Balance capital more than 400 billion yuan，Precipitation capital amount is huge。

　　随着楼市遇冷，多地发放公积金贷款额度和贷款人数出现“双下降”。公积金贷不出去，巨额存量“沉睡”，造成资产浪费，已成为许多地方政府的“燃眉之急”。如何通过改革公积金制度“助力”楼市调控，成为新课题。

With the housing market encounter cold，Many loans and loans issued accumulation fund Numbers were“Double down”。Accumulation fund loan not go out，Huge stock“sleeping”，Cause waste assets，Many of the local government has become“Financial difficulty”。How to reform the system through accumulation fund“power”Property market regulation，Become new topic。

　　“简化公积金使用手续喊了多年，急需取得突破。”合富辉煌山东区域市场总监许传明说，在一些城市使用公积金贷款比商业贷款复杂得多，使用范围也有限，今后提取住房公积金的时限应更加灵活，并让公积金广泛运用于房屋装修、租赁住房等，增强对中低收入者的保障作用。

“Simplify the procedure for the use of accumulation fund out for many years，Need breakthrough。”$rich brilliant shandong area market director XuChuan testified，In some cities to use accumulation fund loan is much more complex than commercial loans，Use scope is limited，In the future the time limit for the extraction housing accumulation fund should be more flexible，And let the accumulation fund is widely used in the building decorates、Rental housing, etc，To enhance the role of low income。