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最高贷款额度或可动态调整,深圳公积金条例首次提请人大审议

南方网2021年8月30日讯(记者张玮 见习记者 许懿8月29日,备受关注的《深圳经济特区住房公积金管理条例(草案)》(下称《草案》)提请人大审议。深圳市人大常委会初审认为,主要内容适应深圳公积金制度改革的实际需要,具有可操作性。但也同时提出“动态调整住房公积金最高贷款额度”“降低住房公积金存贷款利息差”"拓展住房公积金可投资渠道"和“公积金支持公共住房建设“等四大建议。

建议1:

建立住房公积金最高贷款额度动态调整机制

目前,深圳市个人单独申请单套住房的住房公积金贷款最高额度为50万,家庭共同申请最高额度为90万。但就当前房价而言,职工在深圳安居压力较大,住房公积金贷款额度在助力提高职工住房消费能力方面的作用有限。

深圳市人大常委会城建环资工委建议,结合深圳市相关CPI、GDP、房价等指标,建立住房公积金最高贷款额度的动态调整机制,使之能够动态适应深圳社会经济、购房价格等发展实际,推动住房公积金制度在解决深圳职工住房问题方面发挥更大作用。

建议2:

逐步降低住房公积金存贷款利息差

《草案》拟规定,“住房公积金自存入职工住房公积金账户之日起按照国家规定的利率计息”,以及“对未使用住房公积金贷款以及符合其他条件的职工,住房公积金管理中心可以按照规定给予利息补贴”,也就是将深圳此前开创性地对符合条件的职工在国家规定的存款利率外给予利息补贴的创新举措通过特区立法予以明确。

但该委认为,仅此规定仍不能促进市民积极参与公积金制度。目前,按照国家规定,住房公积金对职工的存款利率是1.5%,贷款利率是3.25%,利差1.75%。从加强职工权益保障,提高职工在住房公积金制度中的获得感方面考虑,《草案》建议探索逐步降低存贷利差,进而提高职工参与意愿,增强住房公积金制度吸引力。

建议3:

拓展住房公积金可投资渠道

住房公积金的保值增值也是给缴存职工带来获得感的重要基础,但该委直言,《草案》在这方面缺乏相关规定,而住房公积金作为一种强制储蓄,应充分考虑未贷款缴存职工参与住房公积金制度应获得的收益或好处。

因而,建议应在法规中允许公积金管理机构在推动创新优化住房公积金运营模式的探索,拓展住房公积金可投资渠道,如国债、深圳政府地方债等,提高住房公积金的收益率,建立职工参与住房公积金制度及共享发展成果的路径。

建议4:

探索住房公积金用于公共住房建设

基于深圳正在构建“多主体供给、多渠道保障、租购并举”的住房供应与保障体系,资金方面有拓宽来源渠道的较大需求。目前的住房公积金制度设计更多关注于对职工购买商品住房的支持,对住房供应端的支持,虽《草案》提及“在优先保证缴存职工提取和贷款资金需求的前提下,可以探索采取发放项目贷款等方式使用住房公积金支持租赁住房发展”的规定,但支持的内容相对比较有限。

该委建议,强化住房公积金在公共住房供给方面的作用,探索将住房公积金按计划用于支持深圳公共住房建设,公共住房租赁及出售所得的利润也可适当补充公积金不足部分。这意味着住房公积金的作用范围将得到进一步拓宽。

相关链接:覆盖面扩大、可自愿缴存,深圳住房公积金政策将有五大变化

未经允许不得转载:家在深圳 » 最高贷款额度或可动态调整,深圳公积金条例首次提请人大审议

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