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房市发展的两个金融支点:一是大力发展住房按揭贷款,增强居民购房能力;二是推行“建房贷款证券化”,拓宽建房资金来源渠道。对此,我们的初步设计如下:“住房按揭贷款”的设计1.“按揭”的首次付款来源:住房公积金。住房公积金应强制实施,每月从职工的工资收入中提取5％左右,存入指定的银行。办理“按揭”时可以用公积金支付首次付款。
Housing market development of the two financial fulcrum: First, vigorously develop housing mortgage loans, enhance residents’ ability to buy a house; Second, the implementation of “building mortgage securitization” and broaden sources of funds for building housing. In this regard, our preliminary design is as follows: Design of “Home Mortgage Loans” 1. First Payment of Mortgage Source: Housing Fund. Housing provident fund should be enforced, a monthly withdrawal of about 5% of the wage income of workers, deposited in the designated bank. For the “mortgage” can use the provident fund to pay the first payment.