“公积金支付首付款”再扩容 提振购房信心

Core Viewpoint - Recent adjustments in housing provident fund policies across multiple cities have expanded the scenarios for its use, allowing contributors to withdraw funds for down payments on homes [1][2]. Group 1: Policy Changes - On June 24, the Jinan Housing Provident Fund Center announced that contributors can withdraw funds to pay for down payments on affordable housing, with a minimum down payment ratio of 15% [1]. - The Hangzhou Housing Provident Fund Management Center introduced a direct payment service for down payments, allowing contributors to use their provident fund directly for new homes, with online processing support [1]. - A joint announcement from four departments in Xi'an included measures to increase support for housing provident funds, allowing withdrawals for down payments on new homes [1]. Group 2: Market Impact - A report from Shanghai E-House Real Estate Research Institute indicated that at least six cities introduced policies in June allowing provident fund withdrawals for down payments, effectively reducing the financial burden on homebuyers [2]. - The policy aligns with national strategies to boost income and enhance consumer spending capacity, indirectly increasing residents' disposable income and willingness to purchase homes [2]. - The support for various housing types, including new homes, second-hand homes, and rental properties, is expected to stimulate overall housing consumption [2]. Group 3: Local Characteristics - The housing provident fund has strong local attributes, with significant autonomy for local governments, and its low-interest nature caters to local demand for housing [2]. - The primary demand in the housing market comes from first-time buyers and those seeking to upgrade, who are sensitive to housing prices and costs [2].