四川成都出台住房公积金新政 加大保障性住房支持力度

Core Viewpoint - Chengdu Housing Provident Fund Management Committee has introduced six significant policies to support the purchase and rental of affordable housing, effective from August 21, 2025, aimed at alleviating the financial burden on contributors [1][2]. Group 1: Policy Highlights - The minimum down payment ratio for purchasing affordable housing using provident fund loans has been reduced to 15%, significantly lowering the entry barrier for homebuyers [1]. - The maximum loan amount for single contributors has increased from 600,000 yuan to 900,000 yuan, while for dual contributors, it has risen from 1,000,000 yuan to 1,500,000 yuan, effectively covering the remaining purchase costs beyond the down payment [1]. - A new "withdraw and loan" policy allows contributors to withdraw funds from their provident fund while simultaneously applying for a loan, with the total amount not exceeding the housing price [1]. Group 2: Family Support Mechanism - The intergenerational support mechanism has been enhanced, allowing contributors to withdraw funds from the provident accounts of their parents, children, and spouses, with specific conditions for monthly withdrawals [1]. - Contributors can withdraw funds for purchasing affordable housing within five years of their own or their spouse's purchase, and eligible family members can withdraw once a year [1]. Group 3: Rental Support - The new policy permits contributors who have previously withdrawn funds for rental purposes within the same calendar year to apply for withdrawals for purchasing affordable housing or repaying loans [2]. - Contributors renting affordable housing can withdraw actual rent after three months of continuous contributions, and they can authorize monthly payments directly to the operating enterprises [2].