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公积金建保障房靠谱吗

2012-03-27 10:12:55       浏览次数:   我要评论()
摘要: 用公积金建保障房,试点一年多来,一直争议不断。

  用公积金建保障房,试点一年多来,一直争议不断。

 

  近日,有消息人士称,今年上半年,公积金建保障房将不再仅局限于“试点城市”,而是将被列入《住房公积金管理条例》,成为全国普及的重要政策。

 

  “你同意用公积金建保障房吗?”在央视财经频道《对手》节目的录制现场,二十余位媒体观察团成员和现场观众表达了自己的态度——绝大多数人举起了“反对牌”。

 

  据住建部数据,截至2011年,我国缴存公积金的职工有9649万人,据专家分析,其中绝大多数不具备申请保障房的资格。

 

  “凭什么用我的公积金给别人建保障房?”网上更是一片反对的声音,“我取公积金都不容易,买房没资格,租房拿不出,为什么还不经我同意就给别人建保障房了?这钱可是我交的。”

 

  根据2009年住建部等七部委联合下发的《关于利用住房公积金贷款支持保障性住房建设试点工作的实施意见》——“在优先保证职工提取和个人住房贷款、留足备付准备金的前提下,可将50%以内的住房公积金结余资金贷款支持保障房建设。”

 

  但反对者的质疑有很多:为什么政府不出钱建保障房,要用我的公积金公积金建保障房赔钱了怎么办?赚钱了能分给我吗?谁在替我作决定?合情合理合法吗?如果赔钱,会不会影响我以后使用公积金

 

  早在2010年7月,北京、天津、重庆、长春、昆明、西安等27个城市就被列为首批试点,但由于争议不断,试点城市不得不谨小慎微,至今,这项政策的落实仍进展缓慢。

 

  根据住建部公开信息,2011年实际在建的保障房约为1500万套,2012年保障房开工数和在建数均增加。若按目前单套10万元以上的通用成本估算,业内人士估计,今年保障房建设资金需求接近2万亿元。

 

  与庞大资金需求相对应的是供给不足的现实。根据全国人大常委会委员严以新的说法,“中央政府出资仅占13%不到,地方财政压力相当大。”2011年,地方政府的负责人纷纷叫苦,用“砸锅卖铁”来形容保障房资金投入的窘境。

 

  有人想到了住房公积金这块庞大的蛋糕。

 

  根据住建部公布的数据,以2011年为例,我国公积金结余资金共有2.1万亿。如果全国通行用公积金建保障房的政策,那么将会有1万亿左右的资金进入保障房建设市场,再加上中央政府出资、地方财政和各级融资,资金困境将迎刃而解。

 

  可是,这个办法真的行得通吗?

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org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:293) at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:861) at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:606) at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:489) at java.lang.Thread.run(Thread.java:662) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor599.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:25) at java.lang.reflect.Method.invoke(Method.java:597) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:840) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:276) at freemarker.ext.beans.BeanModel.get(BeanModel.java:183) ... 45 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [sufei.zggjj.cms.entity.main.CmsUser#3765] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:419) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:154) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:143) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:174) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at sufei.zggjj.cms.entity.main.CmsUser_$$_javassist_39.getUsername(CmsUser_$$_javassist_39.java) ... 51 more