山东公积金贷款年限提至男68岁、女63岁或法定退休年龄后5年

Group 1 - The core viewpoint is that Shandong province is enhancing its housing fund policies to support consumer spending and align with the national gradual retirement policy [2][3] - Shandong has implemented a plan to optimize loan policies, reducing the minimum down payment for second homes to 20%, equal to that of first homes, and removing restrictions on housing fund withdrawals based on residency and work location [3] - From January to July, Shandong province issued 23,000 "commercial to public" loans totaling 9.67 billion, representing year-on-year increases of 81.4% and 97.0% respectively [3] Group 2 - All 16 cities in Shandong have raised the loan age limit to 68 for men and 63 for women, or five years beyond the statutory retirement age, in coordination with the national retirement policy [2][3]