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住房公积金制度作为我国社会主义住房保障体系和住房市场化、经济化进程中的社会保障的产物,是我国社会主义住房保障体系的重要组成部分。随着我国住房公积金制度在全国城镇居民中全面推行,住房公积金的业务范围和惠及范围不断扩大,住房公积金贷款在市场化的环境中体现的优惠政策和福利优势越来越明显,住房公积金贷款买房已经成为许多居民购房贷款的首选。在此情况下,如何使住房公积金贷款中有效规避风险、提高住房公积金的管理效率成为当前住房公积金管理必须面对的课题。本文分析了住房公积金贷款中常见的风险以及规避措施。
As the product of China’s socialist housing security system and housing socialization and economicization, the housing provident fund system is an important part of China’s socialist housing security system. With the full implementation of China’s housing provident fund system among urban residents across the country, the business scope and benefits of housing provident fund continue to expand. The preferential policies and welfare advantages of housing provident fund loans in the market-oriented environment are more and more obvious. Housing provident fund loans to buy a house Has become the first choice of many residents purchase loans. In this case, how to make the housing provident fund loans to effectively avoid the risk and improve the management efficiency of housing provident fund has become the current housing provident fund management must face the issue. This article analyzes the common housing loan risks and circumvention measures.