从购房到缴纳物业费，多地探路公积金多场景应用

Core Viewpoint - Various cities are actively optimizing housing provident fund policies to alleviate economic pressure on households and stimulate the real estate market recovery [1][3][7]. Group 1: Policy Adjustments - The housing provident fund can now be used to pay property management fees, which is expected to ease the financial burden on families and improve the operational conditions of property companies [1][3]. - In Yueyang, the housing provident fund can be extracted to pay the down payment for newly built residential properties, allowing individuals to withdraw their own and their spouse's provident fund for this purpose [2][3]. - Each employee can withdraw up to 3,000 yuan per year for property management fees, meaning dual-income families can access up to 6,000 yuan annually [3][4]. Group 2: Broader Implications - The policy change is anticipated to enhance residents' willingness to pay property management fees, which could stabilize property companies' expected revenue and profits [4]. - Recent statistics indicate that over 20 cities, including Beijing, Shanghai, and Chengdu, have optimized housing provident fund policies in the first half of 2025, focusing on lowering loan interest rates and increasing loan limits [6][7]. - The expansion of the provident fund's application to cover property fees and rent payments is expected to significantly improve fund utilization efficiency and reduce daily economic burdens on homeowners [7].