公积金8月20日起调整：变相“涨工资”，1.5亿人将受益

Group 1 - The core viewpoint of the article highlights the nationwide housing provident fund reform set to take effect in 2025, which aims to optimize the system design and provide direct benefits to 152 million contributors through measures such as increasing limits, lowering interest rates, and expanding usage scope [1][2][12] Group 2 - The People's Bank of China announced a reduction in personal housing provident fund loan interest rates by 0.25 percentage points, with new rates set at 2.1% for loans under 5 years and 2.6% for loans over 5 years, benefiting both new and existing loans [2][3] - The reform allows provident fund usage for not only housing purchases and rentals but also for family education and major medical expenses, with an estimated 18 million families expected to benefit from education-related expenditures alone [2][5] Group 3 - Local governments have introduced differentiated measures aligned with national policies, such as adjusting contribution bases and down payment ratios, which enhance home purchasing capabilities for employees [4][5] - In economically developed regions, adjustments are more significant, with cities like Shenzhen increasing the maximum personal loan limit to 1.26 million yuan, stimulating local real estate markets [4][5] Group 4 - As of May 2025, the total number of housing provident fund contributors reached 152 million, a 7.6% increase from the previous year, indicating a significant rise in "implicit income" for employees due to policy adjustments [5][6] - Local adjustments have also shown notable effects, such as Nanjing raising the maximum contribution base to 39,900 yuan, increasing monthly contributions for employees [5][6] Group 5 - Innovative policies targeting new citizens and flexible employment groups have been implemented, allowing individual business owners to convert commercial loans to provident fund loans, benefiting approximately 40 million people [9] - Cross-regional collaboration policies are being advanced, enabling mutual recognition of provident fund loans across cities, facilitating easier access for cross-city workers [9] Group 6 - The adjustments are seen as a long-term strategy to upgrade the housing security system, with plans for digital development and improved service accessibility by the end of 2025 [11][12] - The essence of the provident fund adjustments is to transform public resources into actual purchasing power for residents, enhancing living quality and supporting the goal of common prosperity [12]