记者 张昱欣

Reporter ZhangYuXin

　　晨报讯 今年上半年，在住房刚性需求和相对宽松的货币政策的双重推动下，本市住房成交量有所回升，公积金个贷相应企稳回升。市公积金中心昨日发布的公积金2012年上半年运行分析报告显示，1－6月公积金个贷发放金额同比增长逾12%，共有产权保障房（经适房）个贷占比大幅提高。

Morning news in the first half of this year，In housing demand and relatively rigid loose monetary policy under the double push，This city house turnover bounced，Accumulation fund GeDai corresponding stabilising picks up。City accumulation fund center of accumulation fund released yesterday in the first half of 2012 operation analysis report，1-June GeDai accumulation fund issued amount more than 12% year-on-year，There are the property right safeguard room（The appropriate room）GeDai than the increase of。

　　归集额和缴存人数保持较快增长是近年来本市住房公积金运行中的一个基本特点。1－6月，本市共归集住房公积金和补充公积金 254.05亿元，同比增长19.19%。比较往年，今年在年初实施《上海市住房公积金行政执法管理办法》的推动下，各区开户数呈快速增长态势。1－6月住房公积金职工开户数为29.12万人，同比增长21.9%，体现了公积金制度覆盖面正稳步扩大。

GuiJiE and capture puts the number is kept growing rapidly in recent years the city housing accumulation fund system in a basic characteristics。1-June，This city deal with housing accumulation fund and added accumulation fund 25.405 billion yuan，Year-on-year growth of 19.19%。Is ever，Earlier this year in implementation《Shanghai housing accumulation fund the administrative law enforcement management approach》The push of，With the rapid increase each accounts。1-June worker housing accumulation fund accounts for 291200 people，Year-on-year growth of 21.9%，Embodies the accumulation fund system coverage is steadily growing。

　　自2010年4月国家进一步加强对房地产市场宏观调控以来，受政策影响，房地产交易量和个贷规模日趋回落，处于低位运行状态。2011年住房公积金月度个贷发放额大致保持在22亿元的水平。上半年以来，本市住房公积金个贷发放金额为155.03亿元，同比增长12.42%。

Since April 2010 countries to further strengthen the real estate market since the macroeconomic regulation，Influence by policy，Real estate GeDai scale volume and increasingly fall back，Low status。2011 housing accumulation fund GeDai issued monthly amount up to 2.2 billion yuan of roughly level。Since the first half，This city housing accumulation fund GeDai issued amount of $15.503 billion，Year-on-year growth of 12.42%。

　　结构分析发现，在上半年公积金个贷发放额中，共有产权保障房个贷占比大幅提高。本市2010年开展公积金共有产权保障房个贷试点，2010和2011年分别发放了共有产权保障房个贷1.92亿元和3.18亿元，分别占当年发放的公积金个贷的0.6%和1.2%。今年上半年发放公积金共有产权保障房个贷27.44亿元，占上半年个贷发放总量的17.7%。

Structure analysis found that，In the first half of the GeDai release in the frontal accumulation fund，There are the property right safeguard room GeDai than increase of。This city were carried out in 2010 accumulation fund property right safeguard room GeDai pilot，2010 and 2011 respectively issued were property security room GeDai 192 million yuan and 318 million yuan，The issue of accumulation fund that accounted for 0.6% and 1.2% of the GeDai。In the first half of this year release of the property right safeguard room GeDai accumulation fund of 2.744 billion yuan，GeDai release in the first half of 17.7% of the total。

　　市公积金中心相关负责人分析，上半年共有产权保障房个贷量增加的原因：一是在市政府大力推进住房保障体系建设的要求下，各区加大了共有产权保障房的供应，申请人资格认定、摇号、选房、签约的流程加快，签约量大幅增加。二是市公积金中心通过采用“集中预约，分散受理”和“集中预约，集中受理”的模式，提高了贷款申请的受理效率，加快了放款速度。1－6月，共有1.1万个共有产权保障房申购家庭成功获得公积金个贷，约占全市购买共有产权保障房家庭总户数的55%。

City accumulation fund center of related analysis，In the first half of the property right safeguard room GeDai increased reasons：One is in the city government to promote housing guarantee system construction requirements，Attached to increase the supply of property rights guarantee room，The applicant qualification、Wave number、Choose room、Signing process speed up，Signing is greatly increased。2 it is city accumulation fund center by using“Concentrated appointment，Scattered accept”and“Concentrated appointment，Concentrated accept”mode，Improve the loan application acceptance efficiency，To speed up the lending rate。1-June，There were 11000 mutual property security room explain buy domestic successful GeDai accumulation fund，In the city of property rights to buy accounts for about 55% of the ZongHuShu family guarantee room。