广州公积金新政领跑一线城市，首付提取扩至二手房

Core Viewpoint - The recent optimization of housing provident fund policies in multiple cities, particularly in Guangzhou, allows for the use of funds for down payments on second-hand homes, reflecting a broader trend to support housing consumption and alleviate financial pressure on buyers [1][5][8] Group 1: Policy Changes - Guangzhou has expanded the housing provident fund withdrawal policy to include down payments for second-hand homes, in addition to new homes and certain types of affordable housing [1][5] - Over 30 cities have introduced new policies this year allowing the use of housing provident funds for down payments, with major cities like Beijing, Shanghai, Guangzhou, and Shenzhen leading the way [4][5] - The policies in Beijing and Shanghai previously focused on new homes, while Guangzhou's approach is more innovative as it includes second-hand homes without distinguishing between first and second purchases [5][6] Group 2: Market Impact - The expansion of the housing provident fund usage is expected to reduce the financial burden on homebuyers and stimulate the second-hand housing market [7][8] - Other cities, such as Jiaxing and Ningde, have also implemented similar measures to allow the use of housing provident funds for second-hand home purchases, indicating a widespread trend across various regions [7] - The introduction of direct payment systems for down payments using digital currency in cities like Qingdao has facilitated significant transactions, further boosting second-hand home sales [7][8]