The effect of the housing provident fund on housing consumption and inequity risks

Cities ◽  
2020 ◽  
Vol 104 ◽  
pp. 102812
Author(s):  
Mengkai Chen ◽  
Yidong Wu ◽  
Guiwen Liu ◽  
Xianzhu Wang
Keyword(s):  
Housing Consumption ◽  
Provident Fund ◽  
Housing Provident Fund

Homeownership in urban China: an empirical study of borrower characteristics and the Housing Provident Fund program in Kunming

2018 ◽  
Vol 12 (3) ◽  
pp. 318-339
Author(s):  
Weizhuo Wang ◽  
Christopher Gan ◽  
Zhiyou Chang ◽  
David A. Cohen ◽  
Zhaohua Li
Keyword(s):  
Logit Model ◽  
Design Methodology ◽  
Demographic Variables ◽  
Urban China ◽  
Research Approach ◽  
Content Type ◽  
Research Findings ◽  
Practical Implications ◽  
Provident Fund ◽  
Housing Provident Fund

Purpose This paper aims to develop and estimate a logit model of whether homeownership could be promoted by participation in and use of the Housing Provident Fund (HPF) program, with a focus on factors that influence the use of HPF loans. Design/methodology/approach This paper develops and estimates a logit model of whether homeownership could be promoted by participation in and use of the HPF program, with a focus on factors that influence the use of HPF loans. Findings The results show that coefficients of marital status, educational level, age, duration of employment and employer are significantly related to the use of HPF loan for homeownership. Research limitations/implications Because of the chosen research approach, the research results may lack generalizability. Practical implications The research findings provide a better understanding of homeowners’ characteristics. Originality/value To manage the HPF program effectively, it is important for government to have a better understanding of the underlying demand for homeownership, especially with respect to the different demographic variables and accessibility to HPF loans and the HPF.

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