【财经网(博客,微博)专稿】记者 王熙喜 【Financial nets(blog,Micro bo)ZhuanGao】Reporter WangXiXi

　　随着北京公积金新政的执行，公积金贷款占比从去年开始出现明显增长，在去年商业贷款额度紧张时，公积金贷款的批贷周期甚至要快过商业贷款，其方便低利息的优势也使得公积金贷款逐渐成为消费者首选的购房方式。虽然今年公积金贷款占比持续增长，但随着单量持续爆发，今年公积金贷款批贷周期也有所延长。

With the implementation of the new Beijing accumulation fund，Accumulation fund loan than from last year of significant growth，Last year in business loans strained，Accumulation fund loan of the credit cycle or even faster than commercial loans，The convenient low interest advantage also makes the accumulation fund loan gradually become the preferred way of consumer buys a house。Although this year of accumulation fund loan than continued to increase，But as the outbreak of single quantity，This year of accumulation fund loan credit cycle will be extended。

　　7月北京公积金购房贷款占比约40%。据“链家地产”市场研究部统计，今年7月份，北京市二手房住宅成交中，公积金购房占比大约为40%左右，为历史较高水平。“链家地产”市场研究部常青认为，造成这一现象主要有以下原因：

July Beijing accumulation fund buys a house is about 40% loans accounted for。According to“Chain home real estate”Market research statistics，In July this year，Beijing secondhand the room house in the deal，Accumulation fund of purchase than at about 40%，For history a higher level。“Chain home real estate”Market research evergreen think，Cause this phenomenon basically has the following reasons：

　　首先，虽然经过多次降息和首套利率优惠后，公积金贷款的优势开始有所下降，但是相比之下，公积金贷款成本低的优势仍然突出。以贷款80万，还款20年来计算，公积金月供仅为5061元，比商贷少473元。

first，Although after repeatedly cut and the first set after favorable interest rate，Accumulation fund loan advantage began to drop，But, in contrast，The advantage of low cost of accumulation fund loan still outstanding。With a loan of 800000，Reimbursement for 20 years calculation，Accumulation fund the month for only $5061，Less than $473 loan business。

　　其次，目前不仅是购房能力有限的刚需购房群体，甚至多数改善型购房者也倾向于首选公积金贷款方式。但对于多数普通购房者来说，公积金最高贷款额度仅为80万，一旦购房总价偏高，公积金很难满足其贷款需求。虽然消费者仍可以选择组合贷款来购房，而由于组合贷款程序较为复杂，贷款时间较长，仅有小部分购房者选择。

second，At present is not only limited purchasing ability just need to purchase group，Even most of the person that buy a house to improve also tend to preferred way of accumulation fund loan。But for most ordinary for home buyers，Accumulation fund loan limit the highest was only 800000，Once the purchase price is on the high side，Accumulation fund loan demand is hard to meet the。Although consumer still can choose to purchase loan portfolio，And because the loan program combination is more complicated，Loan over a long period of time，Only a tiny fraction of the person that buy a house choice。

　　在连续多月的高成交状态下，公积金贷款单量快速增加，以7月份1.6万套成交量为例，公积金购房大约有6500单量。与4月份公积金单量相比涨幅接近1倍。单月公积金单量增速过快，促使整体贷款周期稍有拉长，目前公积金贷款购房的从贷款至最后放款大概需要1个半月左右，与以往一个月的周期相比明显拉长。常青提醒消费者在选择公积金购房时，应该和业主协商好最后付款时间，尤其是部分改善性购房者。以免耽误其再购房过程。

For more than a month in the condition of high clinch a deal，Accumulation fund loan single quantity increase rapidly，In July of 16000, the volume of for example，Accumulation fund buys a room to about 6500 single quantity。And in April than single quantity accumulation fund were nearly 1 times。Single biggest accumulation fund of fast growing，Make whole loan cycle slightly stretched，At present the accumulation fund loan from loans to purchase last loan probably need to 1 month and a half or so，With before a month than obvious spin cycle。Evergreen remind consumer choice when buying in accumulation fund，Should agree, the owner and the final payment time，Especially the part of the person that buy a house to improve。Lest delay the purchase process again。

　　“链家地产”市场研究部常青表示，由于近几年房价整体处于较高水平，因此公积金最高贷款额度相比之下偏低，难以满足普通购房者的购房需求。今年以来多个二三线城市微调公积金购房政策，其中多数城市将公积金贷款最高贷款额度上调10-20万。目前一线中，仅有深圳在7月中旬发布了新的公积金贷款政策意见征集稿。目前来看北京市并没有调整公积金的政策的倾向。按照当前政策微调趋势来看，未来将会有多个城市延续公积金微调。

“Chain home real estate”Market research evergreen said，Because the whole house prices in recent years in a higher level，So the highest accumulation fund loans compared low，Hard to satisfy common pent-up demand of the person that buy a house。Since this year more than two or three city fine-tuning accumulation fund buys a room to policy，Most of the city will be accumulation fund loan highest loan quotas 10-200000。At present in a line，Only shenzhen in mid-june issued new accumulation fund loan policy advice solicitation draft。So far the Beijing and not adjusted the accumulation fund the tendency of policy。According to the current trend of fine-tuning，The future will have more than one city continue accumulation fund fine-tuning。

　　（证券市场周刊供稿）

（Securities market weekly contributors）