楼市松绑升级，鼓励买房再加码

Core Viewpoint - The recent adjustments to housing provident fund policies in Jiangsu aim to expand coverage, relax usage conditions, and provide more convenient services for homebuyers [1][2][3]. Group 1: Policy Adjustments - Jiangsu has implemented new housing provident fund policies effective July 1, which include lowering down payment ratios, increasing loan limits, and optimizing the recognition of loan usage [1]. - In Yancheng, families can continue to apply for housing provident fund loans after repaying existing loans for purchasing improved self-occupied housing [1]. - In Yangzhou, the minimum down payment ratio for purchasing a second self-occupied home using housing provident fund loans has been relaxed to 20% [2]. Group 2: Loan Limits and Eligibility - The maximum loan limits for housing provident fund loans have been raised in several cities, with Huai'an increasing the limits to 840,000 yuan for single contributors and 1,200,000 yuan for joint contributors [1][2]. - Nanjing has expanded the scope of housing provident fund loans to cover the entire Jiangsu province, allowing for easier access to funds for home purchases outside the city [2]. - The age limit for loan applicants has been adjusted, with Yancheng raising the maximum age for male applicants to 63 and female applicants to 58, and extending the loan repayment period beyond retirement age [3]. Group 3: Support for Families - Families with two or more children can receive additional loan limits in Yangzhou, with increases of 30,000 yuan for second children and 50,000 yuan for third children [2]. - The policies support the extraction of housing provident funds for home purchases by family members, including parents and children, thereby broadening the eligibility for fund usage [5]. Group 4: Future Considerations - Experts suggest that the new policies will lower housing costs and support self-occupied housing demand, while also increasing buyer confidence [3]. - There is a call for further exploration of increasing support for the purchase of improved housing and green low-carbon residences [3]. - The disparity in housing provident fund resources across cities highlights the need for a more integrated approach to fund management, potentially through a national housing bank [4].