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在校大学生可缴存公积金:享受实惠VS变相“啃老”

2017-04-25 09:58:33   工人日报

武汉、成都、长沙、合肥、南昌5城市在校大学生未来可自愿缴存住房公积金,毕业后可提取支付房租,且不影响购房贷款额度——

大学生可缴公积金,缴还是不缴?

日前,武汉、成都、长沙、合肥、南昌等5省会城市住房公积金管理中心在武汉召开联席会,就自由职业者和在校大学生自愿缴存使用公积金等议题达成合作行动计划。这意味着,未来在校大学生等群体可在这5座城市自愿缴纳住房公积金。

近年来,关于买房的焦虑侵袭着社会各个阶层,不少大学生“还没走出校园,就开始为房价感到揪心”。于是,关于大学生可缴纳公积金的消息一出就引发了广泛关注和讨论。

享受实惠VS变相“啃老”

住房公积金可以为购房者提供资金储蓄和贷款支持,其贷款利率也低于商业贷款,一直被视为一种“福利”。据媒体报道,2016年北京公积金提取1132亿元,其中,购房以及购房还贷提取957亿元,占总提取额的85%;2016年北京公积金发放个人贷款1073亿元,涉及11.4万套住房,占北京市住宅成交套数的32%。

支持大学生缴纳公积金的观点认为,上述5个城市的大学生能够比同龄人早几年缴纳公积金,而公积金贷款额度与账户余额、缴存时间密切相关,因此更早缴存意味着在公积金贷款额度上更具优势。可以说是提前入场享受政策实惠。

但是,由于大学生并没有经济来源,缴纳公积金的钱还是要靠家长“掏腰包”。不少质疑的声音认为,这是在变相“啃老”,还可能造成新的不公平。家庭条件不好的大学生没有经济条件缴纳公积金,也就无法提前享受政策利好。

缴还是不缴,这是个问题

“以前说出名要趁早,现在是买房也要趁早。”合肥师范学院的大二学生李慧文向记者调侃道。

合肥是2016年房价上涨较快的城市之一。在最新出炉的全国平均工资和房价排行榜中,合肥房价在全国主要城市中排在第10位,而平均工资却在倒数第13位。“在合肥买房的压力可想而知”,经济学专业的李慧文深感房价焦虑已经传导到了大学校园。

她告诉记者,一方面,自己是河北张家口人,目前还不确定毕业后是否会留在合肥就业;另一方面,从目前各大城市的地产调控政策看,不少城市都有限购和限贷措施,尤其是对于外地户籍,父母的考虑是,提前缴纳公积金,毕业购房时可能会占得先机。最终李慧文和父母决定,等细则落地后再做打算。

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