截至7月末，我省累计发放公积金贷款达10143.2亿元

Core Insights - The cumulative issuance of housing provident fund loans in Shandong Province has surpassed 1 trillion yuan, reaching 1,014.32 billion yuan by the end of July, making it the sixth province in China to achieve this milestone [2][4] Group 1: Housing Provident Fund System - The housing provident fund system connects families' housing dreams with urban development stability, expanding coverage to flexible employment groups [2][3] - As of July, the number of contributors to the housing provident fund reached 11.93 million, with 131,000 new contributors from flexible employment in the first seven months, a year-on-year increase of 195.2% [4][3] Group 2: Policy Support for Flexible Employment - Seven cities in Shandong have been included in the pilot program for flexible employment contributors, allowing non-full-time and self-employed individuals to participate in the housing provident fund [3][4] - Contributors can receive a subsidy of up to 1% on their contributions after 12 months, with a combined annual interest rate of up to 2.5%, which is higher than general deposit rates [3][4] Group 3: Loan Support and Policy Adjustments - The maximum loan amount has been increased by over 30% compared to the beginning of the year, with the highest loan limits reaching 1.7 million yuan in Jinan and Qingdao [5][6] - The province has implemented measures to lower the down payment ratio for second homes to 20% and removed restrictions on the location of housing withdrawals and repayments [6][5] Group 4: Efficiency in Loan Processing - The processing time for loan applications has been reduced from 15 working days to 6 working days, achieving a reduction of over 60% [7][8] - A total of 44 services have been streamlined to allow for "instant approval" of loans, enhancing the efficiency of the housing provident fund services [7][8]