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Raw data for lifetime. Photos taken from the network Zhongxin Train travel. Source: The Russian satellite network Original title: National Housing Bank has to wait for the top-level design, after all these years set the tone for the central level to resolve the real estate stocks once again, the real estate industry to promote sustainable development. Industry insiders say this interpretation means that the role of fund is expected to be strengthened, the National Housing Bank or put on the schedule. Meanwhile, the State Council Legislative Affairs recently released 'Housing Fund Management Ordinance (Revised draft)', the first allowed to issue individual housing provident fund loans to support the securities, which is believed to be paving the way for the establishment of the National Housing Bank. The National Housing Bank's real establishment, still need a higher level of top-level design. Insiders pointed out that with the recent fund system vulnerabilities exposed gradually, continues to fund its role is weakened, calls for reform of housing accumulation fund system is increasing. Establishment of the National Housing Bank in this context, an effective inventory of precipitation capital fund sleeping for many years to promote increased housing consumption demand. At present, China fund territorial decentralized management can not be cross-market intermediation, Loan demand shortage of city funds, loan demand less urban idle funds, housing idle fund of funds not only with the residents purchase loans difficult to form conflicts, but also does not match the affordable housing investment demand. In addition, because they do not have the financial functions, financial services entrusted to the bank, leading to high administrative costs, low efficiency of the service, there are potential risks. For a long time, while the bank mortgage interest rates high, lending difficult, while there are trillions of fund precipitation funds 'sleeping', widely criticized by the parties. Data show that as of the end of 2014, the national housing fund balance of 3.7 trillion yuan, housing maintenance funds of about 500 billion yuan. In addition, the National Housing Fund Loan risk reserve nearly 80 billion yuan, of which 500 billion yuan for the excess provision, can be transformed into housing bank capital. 'The idea of ​​establishing the National Housing Bank in the proposed time node has a special meaning. At present, the stock of resolve, stabilize the real estate market, increasing the demand for housing consumption is the important role of the Housing Bank, which provides low-interest financing, and help alleviate the pressure low-income home buyers,