Study On Personal Loans Of Housing Accumulation Fund Of Liaoyang City

With urban housing system reform continued to deepen, more and more residents need to buy commercial housing to solve the housing problem, for such higher value residential consumer goods, many residents through loans from financial institutions access to housing funds. To help countries in the low-income group to own their own homes, learn from Singapore's Central accumulation Fund system, in 1991 launched the housing accumulation fund system.The deadline for the end of 2006, the national housing fund personal loans accounted for the balance of housing accumulation fund deposit ratio (a loan rate) was 48.34 percent, housing provident fund personal housing mortgage loan size is not high, not fully housing provident fund policy-oriented housing finance the role, particularly in small and medium-sized cities, small loans, no full play to its advantages role. Therefore, the purpose of this task is to guard against the risk of loans in the premise and strive to improve utilization rate loans to the housing provident fund housing loans advantage role to play, to ensure the realization of the establishment of housing accumulation fund system's original intentions.In this paper, Singapore, the United States, Germany and other housing finance system representative of the three countries of the housing finance system from analysis At the same time, China's housing loans, and housing accumulation fund system and the development process of the status quo were outlined, focusing on combining the Liaoyang City the housing fund management center issuing personal loans, personal housing accumulation fund loans of the existence of this problem and analysis, research. I think that in three areas constraining housing accumulation fund loans of personal development: First, loan pre-conditions, and the other is personal housing mortgage loan demand, and the third is personal housing mortgage loan supply side. In this paper, the combination of these three issues, and to use scientific methods contrast, the mathematical model used, the full application of charts, curves, and other forms of quantitative analysis, from the macro and micro perspective Countermeasures designed to help further develop the housing accumulation fund personal loans the advantage, allowing the business healthy and orderly development.