湖北恩施州推10条住房公积金新政 释放安居红利激活住房消费

Core Viewpoint - The new policies implemented by Enshi Prefecture aim to enhance the housing provident fund system, expanding its coverage and improving services to meet diverse housing needs, thereby injecting new momentum into housing welfare projects [1] Group 1: System Expansion - The new policies extend the coverage of the housing provident fund to grassroots levels, including non-public enterprises, community leaders, and flexible employment groups, ensuring comprehensive housing security [2] Group 2: Rental and Purchase Support - The new policies significantly increase the rental withdrawal limit for single employees to 18,000 yuan per year and for families with multiple children to 30,000 yuan, allowing for monthly flexible withdrawals and direct payment of rent [3] Group 3: Policy Relaxation - The new policies relax conditions for fund usage, allowing joint homebuyers beyond immediate relatives and extending the loan age limit to 68 for men and 63 for women, with an increased income-to-repayment ratio of 60% [4] Group 4: Innovation and Quality of Living - The new policies include the use of provident funds for purchasing "commercial-to-residential" properties and support for elderly and child-friendly renovations, with a maximum loan amount of 300,000 yuan for such projects [5] Group 5: Regional Collaboration - The new policies enhance cooperation with the Wuhan metropolitan area, allowing local employees to enjoy the highest loan limits when purchasing homes in that region, while eliminating residency restrictions for cross-regional homebuyers [6] Group 6: Service Improvement - The new policies aim to upgrade services by enhancing bank collaboration, creating flagship provident fund service centers, and increasing loan limits for individuals and specific groups such as veterans and PhD holders [7]