取消本市缴存限制 成都“商转公”政策受益范围再扩大

Core Points - The Chengdu Housing Provident Fund Management Committee has revised the management measures for converting commercial housing loans to provident fund loans, extending the policy's validity to five years [1][2] - The revision aims to expand the policy's beneficiary scope and optimize the experience for the public [1] Group 1: Policy Expansion - The policy removes the local contribution restriction, allowing individuals who have made contributions elsewhere to apply for the conversion loan when purchasing property in Chengdu, benefiting those working away from home and returning to buy property [1] - The range of banks eligible to process the conversion loans has been broadened, with any commercial bank that signs a cooperation agreement with the Chengdu Provident Fund Center now able to offer these loans [1] Group 2: Streamlining Processes - The application process has been simplified significantly, with the number of required documents reduced from 11 to 3, achieving a nearly 73% reduction in documentation burden for applicants [1] - The Chengdu Provident Fund Center will implement a "zero data" service for information that can be shared through government data channels, further easing the application process [1] Group 3: Market Impact - The extension of the policy's validity from one year to five years is expected to stabilize market expectations and encourage individuals who have not previously contributed to the housing provident fund to start doing so [2] - Analysts believe that the policy revision will enhance the willingness of individuals with contributions from other locations to purchase property in Chengdu, thereby increasing market activity and alleviating the repayment burden on contributors [2]