去年全国发放住房公积金个人住房贷款1.3万亿元

Core Insights - The report indicates that in 2024, a total of 2.3056 million personal housing loans were issued, amounting to CNY 1.304307 trillion, with 86.86% of these loans supporting the purchase of first-time ordinary housing [1] - The number of active contributors to the housing provident fund increased by 342,400 units and 1.7407 million individuals, indicating a continuous expansion of the fund's contribution scale [1] Group 1: Support for Housing Consumption - In 2024, the amount withdrawn for rental housing reached CNY 272.057 billion, a year-on-year increase of 33.93%, with 22.5744 million individuals making withdrawals, up 22.28% from the previous year [2] - The report highlights that 6.53 million individuals were supported in withdrawing CNY 2.043 billion for the renovation of old urban residential areas, improving living conditions [2] - The market share of personal housing loans from the housing provident fund reached 17.64% by the end of 2024, with 21.3 million loans issued for inter-city borrowing, totaling CNY 111.964 billion [2] Group 2: Support for Affordable Housing Construction - In 2024, 76.94% of the allocated value-added income was used to supplement the construction of public rental (affordable) housing, with a cumulative funding of CNY 871.809 billion by the end of the year [2] Group 3: Policy Measures and Initiatives - The government has introduced policies to support contributors in purchasing and renting affordable housing, including a 0.25 percentage point reduction in personal housing loan interest rates to ease repayment pressure [3] - The report emphasizes the importance of optimizing local housing provident fund usage policies, particularly for first-time homebuyers and inter-city loan support [3] - A pilot program was expanded to include 23 new cities for flexible employment individuals, with over 1 million contributors participating in the housing provident fund by the end of 2024 [4]