多城拓宽公积金使用范围 助力楼市“金九银十”

Core Viewpoint - Recent adjustments to housing provident fund policies in multiple cities, including Guangzhou, aim to stimulate the real estate market during the traditional peak season of "Golden September and Silver October" [1] Group 1: Policy Adjustments - On September 28, Guangzhou's housing provident fund management center announced a notification allowing contributors and their spouses to withdraw funds for purchasing various types of housing, including existing and shared ownership homes [1] - This is not the first adjustment in Guangzhou; a similar notification was issued in August 2022, allowing withdrawals for new housing purchases [1] Group 2: Market Impact - The policy changes reflect the current real estate market's shift towards existing homes, as transaction volumes for second-hand properties have surpassed new homes [2] - The adjustments are expected to facilitate "sell old buy new" transactions, indirectly boosting new home sales by enhancing the liquidity of the housing market [2] Group 3: Broader Trends - 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, and Guangzhou leading the way [3] - Other cities, such as Qingdao, have also expanded the scope of provident fund usage to include second-hand homes and elevator renovations, with innovative payment methods being introduced [3] Group 4: Future Outlook - The housing provident fund policies are seen as a crucial direction for stimulating demand, with various optimizations being implemented across regions, including increased loan limits and extended repayment periods [4] - Historically, September is a peak month for real estate policy announcements, and new supportive measures are anticipated to accelerate market recovery [4]