多地祭出公积金政策“组合拳” 提振住房消费再加码

Core Viewpoint - The Jiangsu Provincial Government has implemented measures to boost consumption, particularly in the housing sector, by allowing families to withdraw housing provident fund for down payments and increasing loan limits [1][2]. Group 1: Policy Changes - Jiangsu's new measures include allowing parents and children to withdraw housing provident funds for down payments and increasing loan limits for housing loans [1]. - Nearly 20 cities, including Changsha, Zhuhai, and Suzhou, have adjusted housing provident fund policies since May, expanding usage and increasing loan limits [1]. - Nantong has raised the maximum individual housing provident fund loan limit from 600,000 yuan to 700,000 yuan, and the household limit from 1.2 million yuan to 1.4 million yuan [1]. Group 2: Support for Talent and Young People - Changsha has increased the maximum loan limit for eligible young talents to 1.5 times the current limit [2]. - Nantong's policy also raises the maximum loan limit for high-level talents to 2.8 million yuan per household [1]. Group 3: Impact on Housing Market - The increase in housing provident fund loan limits is expected to significantly reduce the cost of home ownership for eligible buyers, positively impacting the real estate market [2]. - Cities like Shenzhen are expanding the use of housing provident funds for down payments, which is anticipated to alleviate financial pressure on homebuyers [2]. Group 4: Rental Support - Policies are also being enhanced to support the use of housing provident funds for rental payments, with Shenzhen increasing the monthly withdrawal limit from 65% to 80% of the contribution amount starting November 2025 [2]. - The 2024 National Housing Provident Fund Annual Report indicates a significant increase in the number of people using the fund for rental housing, with 22.28% more people and 33.93% more funds withdrawn compared to the previous year [3].