石家庄、天津……多地公积金使用范围拓宽

Core Viewpoint - The article discusses the ongoing optimization of housing provident fund policies across various regions in China, highlighting the expansion of support for both home purchases and rentals, as well as the potential for systemic reform at the national level to enhance the effectiveness of this financial tool in stabilizing the real estate market and improving residents' living conditions [1][9]. Group 1: Policy Enhancements - Various cities are increasing the limits for housing provident fund withdrawals, such as Shijiazhuang raising the annual rental withdrawal limit to 24,000 yuan per person [1]. - The central economic work conference has prioritized the reform of the housing provident fund system as a key task for the real estate sector in 2026, indicating a shift towards a more comprehensive national reform [1][9]. - The China Index Academy reports approximately 270 optimization policies for the housing provident fund since 2025, with expectations for continued trends in 2026 [1][9]. Group 2: Loan Support and Coverage Expansion - Cities like Tianjin and Foshan are increasing the maximum loan limits for first and second homes, with Tianjin proposing limits of 1.2 million yuan and 1 million yuan respectively [2]. - The policies are becoming more refined, with specific adjustments for families with multiple children, such as increased loan amounts for families with two or three children [2]. - There is a notable expansion in the use of housing provident funds for rental support, with cities like Shijiazhuang increasing the rental withdrawal limit and allowing monthly direct payments for rent [3]. Group 3: Broader Usage and Flexibility - The scope of housing provident fund usage is being broadened to include payments for property management fees, home repairs, and even medical expenses in some regions [3][4]. - Cities are also relaxing the eligibility criteria for withdrawals, allowing family members to assist in home purchases and withdrawals for medical emergencies [4][5]. - The initiative to enhance participation from flexible employment individuals is underway, with policies in place to facilitate their access to the housing provident fund [5]. Group 4: Future Outlook and Challenges - Experts predict that by 2026, the housing provident fund system will continue to evolve, with further optimizations in loan limits and processes for cross-regional recognition [8][9]. - The potential for a "one fund for multiple uses" model is anticipated, which could expand the fund's application to areas like home renovations and elder care [7]. - Challenges remain, including structural issues within the system, such as regional disparities in fund availability and the need for better integration with other financial systems [6].