住房公積金,多渠道保障“住有所居”
齊魯人才網 . 2020-06-12發布

近(jin)日,住房(fang)和城鄉(xiang)建設部、財政(zheng)部、中國(guo)人(ren)民銀行(xing)(xing)聯合發布(bu)《全(quan)(quan)國(guo)住房(fang)公(gong)積金(jin)(jin)2018年(nian)年(nian)度報告》,全(quan)(quan)面披露2018年(nian)全(quan)(quan)國(guo)住房(fang)公(gong)積金(jin)(jin)管理運行(xing)(xing)情(qing)況、社會經(jing)濟(ji)效益和重要事(shi)項。《報告》稱,住房(fang)公(gong)積金(jin)(jin)各項業務運行(xing)(xing)總體(ti)平(ping)穩,資金(jin)(jin)總體(ti)安(an)全(quan)(quan),多渠(qu)道保障住有所居。2018年(nian),住房(fang)消費類提取(qu)11718.33億(yi)(yi)元,占(zhan)當年(nian)提取(qu)額(e)14740.5億(yi)(yi)元的79.50%,發放住房(fang)公(gong)積金(jin)(jin)個人(ren)住房(fang)貸款(kuan)252.58萬(wan)筆(bi)、10218.53億(yi)(yi)元,為貸款(kuan)職工節約利息支出2019.98億(yi)(yi)元。

住(zhu)房(fang)(fang)(fang)公積金(jin)各項業務(wu)運行總體平穩。2018年末,住(zhu)房(fang)(fang)(fang)公積金(jin)繳存(cun)總額(e)(e)145899.77億(yi)元(yuan)(yuan)(yuan)(yuan),提(ti)取總額(e)(e)87964.89億(yi)元(yuan)(yuan)(yuan)(yuan),繳存(cun)總額(e)(e)扣(kou)除提(ti)取總額(e)(e)后的繳存(cun)余(yu)(yu)額(e)(e)為(wei)57934.88億(yi)元(yuan)(yuan)(yuan)(yuan);發放個人住(zhu)房(fang)(fang)(fang)貸款總額(e)(e)度85821.32億(yi)元(yuan)(yuan)(yuan)(yuan),個人住(zhu)房(fang)(fang)(fang)貸款余(yu)(yu)額(e)(e)49845.78億(yi)元(yuan)(yuan)(yuan)(yuan),保障(zhang)(zhang)性住(zhu)房(fang)(fang)(fang)建設試(shi)點項目(mu)貸款余(yu)(yu)額(e)(e)46.11億(yi)元(yuan)(yuan)(yuan)(yuan),國債(zhai)(zhai)余(yu)(yu)額(e)(e)19.71億(yi)元(yuan)(yuan)(yuan)(yuan);繳存(cun)余(yu)(yu)額(e)(e)扣(kou)除個人住(zhu)房(fang)(fang)(fang)貸款余(yu)(yu)額(e)(e)、保障(zhang)(zhang)性住(zhu)房(fang)(fang)(fang)建設試(shi)點項目(mu)貸款余(yu)(yu)額(e)(e)和(he)國債(zhai)(zhai)余(yu)(yu)額(e)(e)后的結余(yu)(yu)資金(jin)為(wei)8023.28億(yi)元(yuan)(yuan)(yuan)(yuan)。

住房公(gong)(gong)積金(jin)(jin)資金(jin)(jin)總(zong)體安全。截至(zhi)2018年末,個人住房貸(dai)款(kuan)(kuan)風(feng)(feng)(feng)險(xian)準備金(jin)(jin)余(yu)額(e)1925.90億(yi)元(yuan),占個人住房貸(dai)款(kuan)(kuan)余(yu)額(e)的3.86%,達(da)到(dao)逾期(qi)貸(dai)款(kuan)(kuan)額(e)的112.82倍(bei),能夠(gou)充分覆蓋個人住房貸(dai)款(kuan)(kuan)風(feng)(feng)(feng)險(xian)。住房公(gong)(gong)積金(jin)(jin)支(zhi)持保障(zhang)性住房建設試點(dian)(dian)項(xiang)(xiang)目(mu)貸(dai)款(kuan)(kuan)無逾期(qi),試點(dian)(dian)項(xiang)(xiang)目(mu)貸(dai)款(kuan)(kuan)風(feng)(feng)(feng)險(xian)準備金(jin)(jin)余(yu)額(e)12.39億(yi)元(yuan),占試點(dian)(dian)項(xiang)(xiang)目(mu)貸(dai)款(kuan)(kuan)余(yu)額(e)的26.86%。自2018年1月至(zhi)今,清(qing)收住房公(gong)(gong)積金(jin)(jin)歷(li)史(shi)遺(yi)留風(feng)(feng)(feng)險(xian)資產1.18億(yi)元(yuan),歷(li)史(shi)遺(yi)留風(feng)(feng)(feng)險(xian)資產全部收回。

住房(fang)公積(ji)金管理運營呈現(xian)出一系列(lie)積(ji)極(ji)的新特點:

住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)公積(ji)(ji)(ji)金(jin)(jin)多(duo)渠(qu)道(dao)保障住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)有所居。一(yi)方(fang)面,住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)公積(ji)(ji)(ji)金(jin)(jin)大(da)力(li)支持租(zu)(zu)賃住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)消(xiao)費。住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)租(zu)(zu)賃提取730.40億元,同比增(zeng)長64.22%,住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)租(zu)(zu)賃提取人(ren)數766.44萬人(ren),人(ren)均(jun)提取金(jin)(jin)額0.95萬元,住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)租(zu)(zu)賃提取在各(ge)類提取中增(zeng)速最快,住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)公積(ji)(ji)(ji)金(jin)(jin)幫(bang)助職工通(tong)過(guo)租(zu)(zu)賃解決住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)問題的力(li)度進一(yi)步加大(da);另一(yi)方(fang)面,住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)公積(ji)(ji)(ji)金(jin)(jin)貸(dai)款(kuan)(kuan)重(zhong)點(dian)滿足(zu)基本住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)需求。當年(nian)發放的個人(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)貸(dai)款(kuan)(kuan)中,中、低收入群體占(zhan)95.73%,首套住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)貸(dai)款(kuan)(kuan)占(zhan)85.91%,144(含)平方(fang)米以下普通(tong)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)占(zhan)89.45%,住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)公積(ji)(ji)(ji)金(jin)(jin)貸(dai)款(kuan)(kuan)重(zhong)點(dian)支持中低收入職工購買首套普通(tong)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)。

非(fei)(fei)公(gong)(gong)經濟繳(jiao)(jiao)(jiao)(jiao)(jiao)存職工(gong)已成為(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)存主力。2018年(nian)(nian)(nian),住(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)積金(jin)實(shi)繳(jiao)(jiao)(jiao)(jiao)(jiao)單位(wei)291.59萬(wan)(wan)個(ge),實(shi)繳(jiao)(jiao)(jiao)(jiao)(jiao)職工(gong)14436.41萬(wan)(wan)人(ren)(ren),分別(bie)比(bi)上年(nian)(nian)(nian)增(zeng)長11.15%和5.09%,全國(guo)凈(jing)(jing)增(zeng)住(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)積金(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)存單位(wei)29.26萬(wan)(wan)個(ge),凈(jing)(jing)增(zeng)實(shi)繳(jiao)(jiao)(jiao)(jiao)(jiao)職工(gong)699.19萬(wan)(wan)人(ren)(ren),住(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)積金(jin)實(shi)繳(jiao)(jiao)(jiao)(jiao)(jiao)單位(wei)數、實(shi)繳(jiao)(jiao)(jiao)(jiao)(jiao)職工(gong)數持續穩(wen)定增(zeng)長。全年(nian)(nian)(nian)住(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)積金(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)存額(e)21054.65億元,比(bi)上年(nian)(nian)(nian)增(zeng)長12.43%,住(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)積金(jin)年(nian)(nian)(nian)度(du)繳(jiao)(jiao)(jiao)(jiao)(jiao)存額(e)繼續保持較(jiao)高速度(du)增(zeng)長。新開戶職工(gong)中,城鎮私營企業(ye)(ye)及(ji)其他(ta)城鎮企業(ye)(ye)、外(wai)商投(tou)資企業(ye)(ye)、民辦非(fei)(fei)企業(ye)(ye)單位(wei)和其他(ta)類型單位(wei)的職工(gong)占比(bi)達72.92%,比(bi)上年(nian)(nian)(nian)增(zeng)加1.55個(ge)百分點,非(fei)(fei)公(gong)(gong)經濟單位(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)存擴面效果(guo)顯(xian)著。農(nong)業(ye)(ye)轉移人(ren)(ren)口及(ji)新就業(ye)(ye)大學生等新市民1113.92萬(wan)(wan)人(ren)(ren),占新開戶職工(gong)的55.97%,住(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)積金(jin)成為(wei)新市民解決住(zhu)房(fang)(fang)(fang)(fang)問(wen)題的重(zhong)要渠道。繳(jiao)(jiao)(jiao)(jiao)(jiao)存職工(gong)中,港澳(ao)臺同胞1.24萬(wan)(wan)人(ren)(ren),比(bi)上年(nian)(nian)(nian)增(zeng)長79.71%,有效促進了(le)在內地(大陸(lu))就業(ye)(ye)的港澳(ao)臺同胞安居樂業(ye)(ye)。