成都等地调整公积金政策

Core Viewpoint - Recent adjustments to housing provident fund policies across multiple cities aim to enhance support for homebuyers and renters, thereby stimulating consumer spending and stabilizing the real estate market [1][2][3][4]. Group 1: Policy Adjustments - Chengdu has implemented new policies that lower the minimum down payment ratio to 15% and increase the maximum loan amounts by 50%, allowing single contributors to borrow up to 90 million and dual contributors up to 150 million [1]. - Hefei is proposing to raise the maximum loan amount for families with multiple children purchasing their first home to 1.44 million, with ongoing adjustments to the housing provident fund policies [2]. - Suzhou has expanded the use of housing provident funds to cover property management fees, allowing withdrawals once a year for actual payments made [2]. Group 2: Market Implications - The expansion of the housing provident fund's applicability, such as using it for property fees, is seen as a measure to "liberate" consumers, increasing their disposable income and potentially boosting overall consumption [3]. - The housing provident fund policies are crucial for releasing demand in the market, with nearly 150 policy adjustments made in the first half of the year, focusing on increasing loan limits and optimizing loan standards [3]. - The real estate market has shown signs of stabilization since the introduction of comprehensive policies last September, although disparities remain between different cities and their respective districts [4].