The city's housing provident fund loan services are operating smoothly

This article is reprinted from: Dingxi Daily

This newspaper report: Since the beginning of this year, the Municipal Housing Provident Fund Management Center has effectively played its role in benefiting the people through housing provident fund guarantees, safeguarding employees’ housing and enabling them to find homes, showing a steady operation and a “double-advantage” of both quality and efficiency.

In the first quarter, a total of 842 personal housing loans were issued across the city, totaling 348 million yuan. In terms of business structure, first-home loans accounted for more than 80%, fully demonstrating strong support for employees’ rigid housing needs.

While loan disbursement has been steadily advanced, the asset quality of the city’s housing provident fund loans has continued to remain excellent, with outstanding results in risk prevention and control. By the end of the first quarter, there were only 6 people with overdue loans, and the non-performing loan ratio was as low as 0.28‰, showing significant results in risk prevention and control and safe, steady fund operations.

In recent years, the Municipal Housing Provident Fund Management Center has continued to optimize loan services, precisely connect with people’s livelihood needs, and promote the steady and healthy development of the housing provident fund loan business. As of now, the city has cumulatively issued over 82,000 personal housing loans in past years, with a total amount of 19.233 billion yuan; the current stock of loans is 26,600, with a balance of 7.471 billion yuan, and the borrower loan-to-borrower ratio is 76.26%. Among them, the cumulative issuance of off-site loans is 4,835, totaling 1.977 billion yuan, effectively meeting the home-purchasing needs of off-site employees who have been making contributions, ensuring that the dividends of the housing provident fund policy reach more groups.　　　　Zhang Lingfang