华南新闻中心 李宁

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　　和讯网消息 对于陷入焦灼状态下的房地产市场而言，任何的风吹草动都能掀起一阵波澜，继各地出台相关放松政策后，深圳也开始了“变相救市”。

HeXunWang news for in state of the real estate market restlessness is concerned，Any trouble can be raised a stir，The publish relevant to relax after all over policy，Shenzhen also began“Disguised help city”。

　　7月17日，《深圳市住房公积金贷款管理暂行规定（征求意见稿）》向社会公开征求意见。根据征求意见稿，公积金贷款可贷额度为申请人和共同申请人住房公积金账户余额的10倍，个人申请的单套住房公积金贷款最高额度为50万元；与共同申请人一并申请的则不得超过80万元。

July 17,，《Shenzhen housing accumulation fund loan to the provisional regulations（Draft version of the）》To solicit comments from the public。According to the draft version，Accumulation fund loan loan applicant and common quota for the account of housing accumulation fund balance of 10 times，Individual application of single set of housing accumulation fund loan highest quota for 500000 yuan；And the application of common together is not more than 800000 yuan。

　　另外，公积金贷款对象为深圳市缴存住房公积金的职工，申请人只要满足“在申请当月之前连续按时缴存住房公积金满6个月”等六项条件，即可申请住房公积金贷款。

In addition，Accumulation fund loan object is shenzhen capture puts housing accumulation fund worker，The applicant as long as satisfied“In the month before application on time for the deposit of housing accumulation fund of six months”Six conditions，Can apply for loan of housing accumulation fund。

　　值得关注的是，意见稿中还提到，有缴存住房公积金的配偶和父母可以作为“共同申请人”。当职工账户内住房公积金余额较少，计算出来的可贷额度不能满足购房需求时，可加上父母账户内的住房公积金余额作为可贷额度计算基数，用来提高职工的可贷额度，家庭公积金贷款额度最高可达80万元。假如父母不作为共同申请人，也可提取其账户内的住房公积金余额用于提前偿还职工的公积金贷款。

There is concern，The draft said，Have capture puts housing accumulation fund can be as mates and parents“Common the applicant”。When inside account of worker housing accumulation fund balance is less，The calculated loan limit can't satisfy the pent-up demand，Parents can add inside account of housing accumulation fund balance as loan limit computational cardinal number，To improve the worker's loan amount，Family accumulation fund loan amounts can be as high as 800000 yuan。If parents don't as common the applicant，Also can be used to extract the account of housing accumulation fund balance used to repay ahead of the employees provident fund loans。

　　根据意见稿的要求，公积金贷款可贷额度为申请人和共同申请人住房公积金账户余额的10倍，还要满足每月还贷额度不超过申请人缴存基数的50%以及不高于购房总价款与首付款的差额两个条件。

According to the draft requirements，Accumulation fund loan loan applicant and common quota for the account of housing accumulation fund balance of 10 times，Also to meet monthly loan limit not more than 50% of the base and the applicant capture puts is not higher than buys a house with the difference between the total price of the head to two conditions。

　　根据计划，深圳今年内将启动公积金贷款，并力争在9月底前实施。届时，缴交公积金的市民买房就可以采用公积金贷款，或者公积金和商业贷款组合。

According to the plan，Shenzhen inside this year will start accumulation fund loan，And strive in the implementation before the end of September。when，Pay accumulation fund citizens can use the accumulation fund loan to buy a house，Accumulation fund and business loans or combination。

　　对于住房公积金贷款的出台，深圳知名地产评论人半求向和讯网表示，这是很明显的深圳版“救市举措”，住房公积金政策出台将大大减轻购房者的购房成本，同时能够有效扩大需求，对于深圳楼市是个重大利好。

For loan of housing accumulation fund come on stage，Shenzhen famous real estate for comment and a half to HeXunWang said，This is obvious shenzhen version“Help city move”，Housing accumulation fund policies will greatly reduce the cost of the person that buy a house purchase，At the same time can effectively expand demand，Shenzhen is a big market for good。

　　据了解， 当前五年以下(含五年)的住房公积金贷款年利率为4.00%；五年以上的年利率为4.50%。而当前商业贷款五年以上的年利率为6.55%。假定购房时申请50万元的住房公积金贷款，还款期为30年，如果采用等额本息方式还款，按目前的贷款基准利率计算，将比商业贷款少支付至少23万元的利息。

According to understand， The current under 5 years(Contains five years)The housing accumulation fund loan interest rate of 4.00%；Five years of annual interest rate of 4.50%。And the current commercial loan five years or above the interest rate is 6.55%。Assume that when buying a $500000 for loan of housing accumulation fund，For 30 years insults，If the way for principal and interest payments，According to the current benchmark lending rate computation，Will pay less than commercial loans at least 230000 yuan of interest。

　　深圳中原二级市场董事总经理玉家雄也认为，住房公积金贷款将带动更多的刚性需求客户入市，深圳楼市下半年的成交量将持续攀升。他还指出，从5、6月份开始，深圳房地产市场明显回暖，尤其是两次降息之后，市场普遍预期楼市已经是底部了，因此，这一次的住房公积金贷款将起到“锦上添花”的效果。

Shenzhen centaline 2 class market to managing director also think the jade home，Loan of housing accumulation fund will drive more rigid demand customer market，Shenzhen property market turnover will continue to rise in the second half of the year。He also pointed out that，From 5、In June began to，Shenzhen real estate market apparent thaw，Especially after two cuts，Widely expected housing market is already the bottom，so，This time the housing accumulation fund loan will play a“Icing on”effect。

　　资料显示，6月份，深圳一手住房市场共成交4183套，成交均价18959元，分别比5月份微涨2.85%和4.15%。

Data shows，June，Shenzhen a total of 4183 housing market clinch a deal，The price is 18959 yuan，In may, respectively, compared with the closed up 2.85% and 4.15%。

　　不过，在众厦地产总经理助理林晓华看来，深圳住房公积金贷款的出台并不能简单的理解为“救市”。林晓华向和讯网表示，深圳住房公积金贷款出台更多的是针对深圳住房保障制度方面的一种配套，因为深圳之前并没有对首套购房或者弱势购房群体有相应支持，住房公积金贷款酝酿了1年多，它主要是征求了公众的意见，因此它的出台其实是针对住房制度的一种完善，这一点也符合政策的要求。

but，In the mansion property assistant to the general manager LinXiaoHua opinion，Shenzhen housing accumulation fund loan issued and can't simply for understanding“Help city”。LinXiaoHua to HeXunWang said，Shenzhen loan of housing accumulation fund is more to come in shenzhen housing safeguard system of a kind of form a complete set，Because shenzhen and not the first set before to purchase or disadvantaged groups have corresponding purchase support，Loan of housing accumulation fund the brewing more than 1 year，It basically is to ask for the public opinion，So it's actually is introduced for housing system of a kind of perfect，It also accord with the requirement of policy。

　　英联国际不动产董事长郭建波也向和讯网表示，深圳的住房制度一直很滞后，落后于其它城市，住房公积金贷款仅仅是完善之前的不足，不能称之为“救市”。玉家雄也认为，住房公积金并不是什么新的政策，在许多城市都有。

International real estate GuoJianBo chairman (also to the HeXunWang said，Shenzhen housing system has been lagging behind，Behind the other cities，Loan of housing accumulation fund is just perfect the shortage of before，Can't call it“Help city”。The house also think jade，Housing accumulation fund is not what the new policy，In many cities。

　　然而，近段以来，关于地方政府“救市”的消息不绝于耳，有的则当机被中央叫停，有的则顺势延续下去。在玉家雄看来，中央对房地产调控的底线是“限购”一定不能放松。从这方面来看，深圳是采取了比较聪明的“金融”手法来刺激楼市。

however，Since nearly period，On local government“Help city”From the news，Others when the machine is central to stop，Others with continue。The house looks in jade，Central to the bottom line is the real estate regulation“限购”Must not relax。From this perspective，Shenzhen is adopted more intelligent“financial”Technique to stimulate the property market。

　　中原集团在7月12日发布的研究报告也指出，未来各地政策微调将更为谨慎，市场仍以刚需为主，中央则试图在限购之外通过微调来释放被“误伤”的刚需，松绑首套房信贷成最有效的选择。

Zhongyuan group in July 12,, a research report published also pointed out，All over the future policy fine-tuning will more cautious，The market is still to just need to give priority to，The central attempts to 限购 in outside through the fine-tuning to release“fire”Has just need to，Easing credit into the most effective first suite of choice。