On May 31, live build ministry, Ministry of finance, Central Bank to release " countrywide housing accumulation fund year reported 2018 " , this report reachs risk of appreciation accrual, asset to wait from income and expenses of accumulation fund operation, business revealed 2018 appearance of countrywide housing accumulation fund, a few information buying a house that involve among them also get attention quite.
One, 2018 end, capture puts housing accumulation fund amount forteen thousand five hundred and eighty-nine billion nine hundred and seventy-seven million yuan, capture puts remaining sum five thousand seven hundred and ninety-three billion four hundred and eighty-eight million yuan, balance capital eight hundred and two billion three hundred and twenty-eight million yuan,
2017 end, capture puts housing accumulation fund amount twelve thousand four hundred and eighty-four billion five hundred and twelve million yuan, capture puts remaining sum five thousand one hundred and sixty-two billion and seventy-four million yuan,
Comment on: Mixed 2017 2018, capture puts housing accumulation fund remaining sum is more, and incremental ratio is faster, the pressure that this shows to housing accumulation fund extends is not great, total 2019 national capital is in advocate decrease duty to fall cost, be in especially 5 danger one gold field, but for photograph comparing, housing accumulation fund has more than social security reduce a space, according to the report of company division courtyard, balance of accumulative total of fund of primary endowment insurance was worker of countrywide town business 2019 4.26 trillion yuan, after this grows continuously, go to 6.99 trillion yuan to reached peak value 2027, begin to drop next, to balance of extinct 2035 accumulative total.
Current, in company insurance cost, the individual assumes total wages 10% the left and right sides, and the unit assumes total wages 29% the left and right sides, on April 4, basis " general office of the State Council lowers social premium rate about print and distribute the announcement of comprehensive plan " : Unit capture expends scale prep above the province of 16% , can fall to 16% . And scale of fee of accumulation fund pay is in 6-12% , pay cost reduces prospective accumulation fund the space wants than social security big.
2, 2018, housing accumulation fund is real pay unit two million nine hundred and fifteen thousand nine hundred, one hundred and forty-four million three hundred and sixty-four thousand one hundred person of real pay worker, compare respectively go up year of growth 11.15% with 5.09% . New open an account unit four hundred and sixty thousand seven hundred,
Comment on: China has nearly 1.4 billion population, of accumulation fund of pay pay housing have 140 million person only, proportion is very small. And this part crowd basically still is centered in mechanism institution, state-owend enterprise to wait, a few in the treatment that low income family did not enjoy accumulation fund to buy a house because of all sorts of reasons, appeared to allocate the issue of unbalance, only China and Singapore have housing accumulation fund on the world, but the government in Singapore housing is offerred 70% to 80% , and the Chinese guarantees room proportion 1/3 less than, so system of prospective housing accumulation fund may be faced with reform, can build orgnaization of finance of residential policy sex probably, the Fang Limei that is similar to the United States and room ground beauty in that way orgnaization.
3, 2018, extend housing of individual of housing accumulation fund borrows money two million five hundred and twenty-five thousand eight hundred, than going up year drop 0.86% ; Extend amount one thousand and twenty-one billion eight hundred and fifty-three million yuan, than going up year of growth 7.17% .
2017, extend housing of individual of housing accumulation fund borrows money two million five hundred and forty-seven thousand six hundred, nine hundred and fifty-three billion four hundred and eighty-five million yuan,
Comment on: Compare 2017, pen of individual housing loan counted the trend that drop to put delay apparently 2018, amount extends to stop in the meantime drop rebound, have at 2 o'clock reason, 1, pressure of economic be issued to lower levels is great 2018, just needed to buy room, steady growth for support, policy of accumulation fund loan is loosened somewhat. 2, the efficiency that accumulation fund borrows money rises, compress for instance examine and approve time limit, raise loan mortgage to register efficiency to wait.
4, interest rate of loan of housing of individual of housing accumulation fund is more standard than loan of housing of individual of commerciality of the corresponding period interest rate is low 1.65, 2 percent, the housing of individual of housing accumulation fund that extended 2018 borrows money, can be loan worker managing interest expenses two hundred and one billion nine hundred and ninety-eight million yuan, average every loan but managing interest expenses 80 thousand yuan.
Comment on: The gain with housing the biggest accumulation fund borrows money namely interest rate is low, for instance commercial loan interest rate is met commonly now prep above is fiducial interest rate (4.9% ) , but accumulation fund interest rate is compared fiducial low 1.65% , 2% can save next not little money (expenses of managing 2018 interest two hundred and one billion nine hundred and ninety-eight million) . Change according to standard interest rate and interest rate of accumulation fund loan is adjusted, at present standard interest rate is remained in October 2015 the level of the portion, the circumstance with standard fixed interest rate leaves tomorrow this interest rate also won't change.
5, 2018 end, accumulative total extends individual housing borrows money thirty-three million three hundred and forty-eight thousand two hundred, eight thousand five hundred and eighty-two billion one hundred and thirty-two million yuan, respectively than going up year end grows 8.18% with 13.52% ; than going up year end grows 10.65% .
Comment on: Chinese dweller leverage rises very quickly now, what dweller leverage points to is the dweller is in debt the rate that holds GDP, the dweller is indebted include to mortgage loan, consumption loan and accumulation fund loan, dweller leverage rose first quarter this year 1.1% , come from 53.2% litres 54.3% , in the past 10 annual all amplitude 3.5% , international Monetary Fund thinks, exceed 65% to be able to affect financial stability, with the speed of 3.5% future can exceed 65% 3 years, future superintends a limitation that borrows fund to the room to should be met is normal.
6, 2018, income of business of housing accumulation fund one hundred and eighty-one billion four hundred and forty-four million yuan, than going up year of growth 9.46% . Among them, deposit accrual twenty-seven billion eight hundred and thirty-three million yuan, entrust loan interest one hundred and fifty-two billion seven hundred and sixty-eight million yuan, national debt accrual 62 million yuan,
2018, accrual of appreciation of housing accumulation fund eighty-five billion four hundred and twenty-five million yuan, than going up year of growth 11.92% ; Appreciation yield 1.56% .
Comment on: 2018 yield of conduct financial transactions of housing accumulation fund is 1.56% , with a year period difference of bank deposit interest rate is not big. Compare, 2017, specified amount of yield of fund of primary endowment insurance 8.783 billion yuan, investment gain rate 5.23% . Why is the profit that accumulation fund invests so small? Explain level of investment of group of social security fund is loftier on one hand, on the other hand, low risk small profit, the economy of housing accumulation fund is firm, deflection wait for calm risk capital at national debt, bank deposit, and some of social security fund has entered town (the stock market) .
