事关住房公积金！广东六城最新签署→

Core Insights - The six cities in Guangdong, including Shenzhen, have signed a cooperation agreement to promote the "same-city" experience for housing provident fund services, enhancing support for mobile workers and families purchasing homes in different locations [1][2] Group 1: Policy Collaboration - The cooperation will focus on policy collaboration, service integration, and data sharing to facilitate housing consumption needs for mobile employment groups and families [1] - The cities aim to provide seamless housing provident fund services, including mutual recognition of deposit and loan information, reducing paperwork for residents [2] Group 2: Loan and Service Enhancements - The agreement includes provisions for mutual recognition of housing provident fund loans, allowing local employees to access the same loan limits and property counts as local contributors [2] - The cities will work together to streamline the process for handling housing provident fund transactions across different locations [2] Group 3: Digital Transformation and Risk Management - The cooperation will leverage digital transformation in government services to enhance information connectivity across cities and departments, creating a "smart provident fund" service [2] - A joint risk prevention mechanism will be established to combat fraudulent activities related to housing provident funds, improving overall management efficiency and fund security [2] Group 4: Recent Policy Adjustments - Recent adjustments to Shenzhen's housing provident fund policies have removed restrictions on non-local contributors regarding residency and first-home status, facilitating easier access to loans for home purchases [3] - The implementation of a new consumption promotion plan includes measures to expand the use of housing provident funds for down payments on homes within Shenzhen [3] Group 5: Market Context - The housing provident fund is favored by local governments due to its strong local attributes and low-interest rates, which cater to local housing demand [4] - In light of decreasing commercial mortgage rates, there is a suggestion to lower housing provident fund loan rates to maintain its attractiveness compared to commercial loans [4]