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关键词:住房公积金起因:来自央行的《2004中国房地产金融报告》称,截至2004年底,全国住房公积金缴存余额为4893.5亿元。除去个人住房贷款和购买国债,全国仍有沉淀资金2086.3亿元。也就是说,将近一半的公积金没有被缴存人享受到。时间:4月6日聚焦:2005年4月6日,建设部、财政部和中国人民银行昨天联合出台《关于住房公积金管理若干具体问题的指导意见》,新政策指出,单位和职工缴存比例不应低于5%,原则上不高于12%,新政策还首次提出,有条件的地方,城镇单位聘用进城务工人员,单位和职工可缴存住房公积金;进城务工人员、城镇个体工商户和自由职业人员购买自住住房时,可按规定申请住房公积金贷款。影响力:住房公积金对解决中低收入家庭住房问题、缓解社会矛盾发挥着重要作用。
Keywords: housing provident fund: the central bank from the “2004 China Real Estate Financial Report” said that as of the end of 2004, the National Housing Fund deposit balance of 489.35 billion yuan. Apart from removing individual housing loans and purchasing government bonds, there were still 206.83 billion yuan of sedimentary funds throughout the country. In other words, nearly half of the provident funds have not been deposited. Time: April 6 Focus: April 6, 2005, the Ministry of Construction, the Ministry of Finance and the People’s Bank of China yesterday jointly issued the “Guidance Opinions on Several Specific Issues of Housing Fund Management,” the new policy pointed out that the unit and the workers paid ratio Should not be less than 5%, in principle, not higher than 12%, the new policy was first proposed, where conditions permit, urban units employ urban migrant workers, units and workers can pay housing provident fund; migrant workers, urban individuals Industrial and commercial households and freelance personal housing purchase, may apply for housing provident fund loans. Influence: Housing provident fund plays an important role in solving housing problems for low and middle-income families and alleviating social conflicts.