福利！多地公积金“破界”，开启互认互贷

Core Viewpoint - Recent adjustments to housing provident fund policies across multiple regions aim to stabilize the real estate market by simplifying withdrawal processes, increasing withdrawal limits, and expanding usage scope [1][2][3] Group 1: Policy Adjustments - The new policies focus on enhancing the housing provident fund's role in stimulating housing consumption, which is crucial for overall economic activity [5] - Key measures include raising loan limits, lowering interest rates, and broadening the range of uses for the provident fund, such as for down payments and rental support [3][4] - For instance, in Shenzhen, the maximum loan amount for families has increased from 1.26 million to 2.31 million yuan, nearly doubling the previous limit [3] Group 2: Inter-City Cooperation - A significant feature of the recent policy changes is the promotion of inter-city mutual recognition and lending of housing provident funds [2][6] - Six cities, including Shenzhen and Zhuhai, have signed cooperation agreements to facilitate cross-city loan approvals and information sharing [2][7] - This initiative is seen as essential for supporting talent mobility and regional economic integration, aligning with broader trends in population migration and urban development [7][8] Group 3: Economic Impact - The optimization of housing provident fund policies is expected to enhance leverage and stimulate housing consumption, which in turn can drive demand in related sectors such as home appliances and furnishings [5] - Analysts suggest that these measures will not only support the real estate market but also contribute to the overall economic recovery by encouraging consumer spending [5][8]