The annual report of the national housing fund of 2017 (hereinafter referred to as the report) issued jointly by Ministry of Housing and Urban-Rural Construction, Ministry of Finance and Central Bank shows that the housing fund has helped workers to solve housing problem through leasing. Last year, the housing lease was 44 billion 476 million yuan, a 22.21% increase compared with the same period of last year, and the number of workers who withdrew housing fund for housing lease have reached 4,955,200 people, the per capita extraction amount is 9,000 yuan.
The report shows that the housing fund has strongly supported the basic housing consumption of workers and has effectively reduced the housing consumption burden of workers. In 2017, the extraction amount of housing fund was 1 trillion and 272 billion 980 million yuan, of which 1 trillion and 11 billion 895 million yuan was extracted for housing consumption.
According to statistics, the number of personal housing loans of housing fund issued in 2017 has reached 2,547,600, the amount was 953 billion 485 million yuan. By the end of 2017, the number of personal housing loans was 3,082,5700, the amount was 7 trillion and 560 billion 283 million yuan, and the balance of individual housing loans was 4 trillion and 504 billion 978 million yuan, and the rate of personal housing loan was 87.27%.
The report shows that among the individual housing loans issued in 2017, low and middle-income groups accounted for 96.05%, the first set of housing loans accounted for 86.24%, the ordinary houses of 144 square meters and under 144 square meters accounted for 89.20%, the housing fund loans gave priority to support those low and middle-income workers to buy the first set of ordinary houses. In 2017, the number of interest discount loans issued have reached 134,800, and the amount was 60 million and 435 million yuan, and the interest of the discount loans was 2 billion 86 million yuan.
The report also shows that the risk prevention and control of housing fund is safe and effective. By the end of 2017, the overdue amount of personal housing loan of housing fund was 1 billion 58 million yuan, the overdue rate was 0.02%, it continued to remain at a low level. By the end of 2017, the balance of the individual housing loan risk reserve was 169 billion 118 million yuan, accounted for 3.75% of the individual housing loan balance, it has reached 159.85 times the amount of the overdue loan, which could fully cover the risk of personal housing loan.