珠三角等区域或打破公积金使用限制

Core Viewpoint - The "15th Five-Year Plan" emphasizes promoting high-quality development in the real estate market, focusing on optimizing housing supply and improving living conditions for various demographics, particularly urban workers and families in need [2][3][6]. Real Estate Development - The plan aims to accelerate the construction of a new model for real estate development, enhancing the basic systems for property development, financing, and sales [2][3]. - It highlights the need for tailored policies based on city characteristics to increase the supply of improved housing, addressing the diverse needs of residents [3][6]. Urban Renewal - The "15th Five-Year Plan" marks a new phase in urban renewal, with a stronger emphasis on legal frameworks for land use rights and encouraging market participation through innovative financing models [4][5]. - The plan aims to resolve core challenges in urban renewal by leveraging fiscal funds and breaking through institutional barriers [4]. Risk Management - The increased mention of "risk" in the plan indicates a continued focus on preventing and mitigating risks in real estate, local government debt, and small financial institutions [5]. - The plan reiterates the importance of systematic risk management in the real estate sector, reflecting ongoing central government concerns [5]. Housing Quality and Supply - The plan categorically states the goal of high-quality housing development, transitioning from merely addressing housing shortages to enhancing living quality and promoting social equity [8][10]. - It emphasizes a dual-track system of "market + guarantee" to ensure effective housing supply in cities experiencing population influx [8][10]. Regional Development - The plan prioritizes regional development, aiming to optimize economic layouts and promote coordinated growth, particularly in core urban areas like the Yangtze River Delta and the Pearl River Delta [9][10]. - It suggests breaking down restrictions on housing fund usage across regions to facilitate the flow of people and capital [10].