三部门：1.76亿人缴存，缴存额达3.6万亿元

Core Insights - The report indicates that the national housing provident fund operations in 2024 are stable, with total contributions reaching 36,317.83 billion yuan and withdrawals amounting to 27,654.84 billion yuan [1][2] - The number of individuals withdrawing funds reached 81.27 million, representing 46.10% of contributors, with a 4.11% increase in withdrawal amounts compared to the previous year [1][3] - The report highlights a significant increase in support for rental housing, with withdrawals for this purpose rising by 33.93% to 2,720.57 billion yuan [1][4] Contribution and Withdrawal Summary - In 2024, the number of contributing units increased to 5.29 million, and the number of contributors rose to 176.29 million, marking growth of 6.92% and 1.00% respectively [2] - Total contributions for the year were 36,317.83 billion yuan, a 4.67% increase from the previous year, with cumulative contributions reaching 327,941.35 billion yuan [2] - The total amount withdrawn from the housing provident fund reached 218,688.56 billion yuan by the end of 2024, accounting for 66.69% of total contributions [3] Usage of Withdrawals - The primary uses of the withdrawn funds include rental housing and renovation of old communities, with 2,257.44 million people withdrawing 2,720.57 billion yuan for rental purposes [4] - Additionally, 4,931.59 million individuals withdrew funds for purchasing, building, renovating, or repaying housing loans, totaling 17,927.76 billion yuan [4][5] - Withdrawals due to retirement and other reasons accounted for 1,151.60 million people, totaling 6,870.01 billion yuan [5] Loan Issuance and Support - In 2024, 230.56 million personal housing loans were issued, amounting to 13,043.07 billion yuan, with a focus on supporting first-time homebuyers [7] - The cumulative number of personal housing loans issued reached 49.99 million, totaling 164,901.08 billion yuan, with a market share of 17.64% [7] - The report also notes that there were no overdue loans for pilot projects supporting affordable housing construction [8] Asset Risk Overview - By the end of 2024, the non-performing loan balance for personal housing loans was 4.09 billion yuan, with a non-performing rate of 0.05% [8] - The report indicates that no overdue loans occurred for pilot projects supporting affordable housing construction, with all loans and interest recovered [8]