A Study On Tianjin Housing Funds Loans

Under the condition of our country, we solve the residential housing constructionby existing housing public accumulation funds as a mainly support. However, due tothe faultiness of existing loan institution, a great many problems on personal loanappeared and need to make improvements at present, which reflect as follows: banksand developers cannot cooperate proactively when residents apply the housing loan,which was already under heavy burden to afford the house and extra guarantee fee.It do not really solve housing condition issues of people on low-income; no equitabledeposit and loan interest rates. The reason that brought out those issues abovecontains two parts. In the first place, from the microcosmic analysis, the housing fundinstitution of CHINA does not have clear subdivision to satisfy all parties’ needs.Moreover, give insufficient flexible authority to the housing reserve department.Second in importance, in a macroscopic view, housing fund system do not suitable forall the low-incomes, the function of housing reserve fund was not fixed accurately.There exist numerous shortcomings in solving residential housing problems, whichmake a summary is: unreasonable profit distribution; imperfect law policy and noclear duties for the fund construction branch.Above all the analysis of the existing problems, this paper argues that reasonableand effective solutions were needed. This paper suggests several new ways forhousing fund system to solve the issues such as unclear subdivision and inflexibleauthority. By means of lending conditions, lending types, incremental benefit andsupplementary loan, making some adjustments for the low-income families. Explorenew regime with high deposit interest and low loan interest rates. Make attempts onmortgage securitization and mortgage nationalization to decrease guarantee expenses,improve and perfect pressure system and power system, keep benign competitionbetween developer and banks. In a macro viewpoint, this paper makes a research onhow to secure residential housing construction. Formulate a reasonable managementmechanism and law policies, improve supporting policies and consummateindemnificatory housing regulatory institution and organization.