多城拓宽公积金使用范围 助推楼市热度

Group 1 - The core viewpoint of the articles highlights the ongoing adjustments in housing provident fund policies across multiple cities, with an emphasis on expanding the usage scenarios and scope of these funds by the end of 2025 [1][2] Group 2 - In Changzhou, the government has issued guidelines for the construction of high-quality residential properties, which include a policy to increase the housing provident fund loan limit by 500,000 yuan for residents purchasing such properties, without restrictions on the maximum loan amount for individuals or families [1] - Hainan Province has introduced a new management method for converting commercial housing loans to housing provident fund loans, effective from December 1, 2025, allowing two methods: "direct transfer with mortgage" and "self-funded settlement," with specific criteria for determining the loan amount [1] Group 3 - Since the beginning of 2025, over 210 cities in China have implemented approximately 550 real estate regulation policies, with nearly 200 of these policies coming from second-tier cities, indicating a significant focus on local market conditions [2] - In October alone, more than 30 new policies were introduced, with over 16 related to housing provident funds, focusing on increasing loan limits, optimizing withdrawals, extending repayment periods, and expanding the applicability of withdrawals [2] - Experts predict that local governments are preparing new policies to further adjust the scope of housing provident fund usage, which will play a crucial role in stabilizing the real estate market [2]