深圳发布公积金“账本”：15年归集万亿，最高可贷231万

Core Viewpoint - The Shenzhen housing provident fund system is set to celebrate its 15th anniversary in December 2025, marking significant growth and development in supporting housing construction and improving living conditions for residents [1]. Group 1: Fund Accumulation and Growth - Over the past 15 years, the Shenzhen housing provident fund has grown from zero to over 1 trillion yuan, with an average annual growth rate exceeding double digits [2]. - By September 2025, the accumulated fund will surpass 1 trillion yuan, reflecting a robust increase from 218 billion yuan in 2011 to 9,000 billion yuan in 2024 [2]. - The number of new account holders reached 833,100, with a year-on-year growth of 6.01%, indicating strong market confidence in Shenzhen's business environment [2]. Group 2: Policy Innovations and Support - The fund has expanded its coverage to include foreign workers and flexible employment groups, with over 600,000 units and 21 million account holders [3]. - A new interest subsidy policy has been introduced, providing 500 million yuan in interest subsidies to employees who have not used their provident fund loans [3]. - The fund's policies have been optimized to support housing consumption, with the maximum loan amount reaching 2.31 million yuan, the highest in the country [5][7]. Group 3: Digital Transformation and Service Efficiency - The digital transformation of the fund has led to an online processing rate exceeding 98%, significantly enhancing service efficiency [8]. - The establishment of a comprehensive service platform allows for seamless online transactions, reducing the need for physical visits [8][12]. - The introduction of AI and blockchain technologies has improved risk control and automated approval processes, streamlining operations [9]. Group 4: Integration of Services - The fund center has integrated housing transaction management with provident fund services, creating a unique dual-function model [11]. - A "one-stop" platform for housing transactions and provident fund withdrawals has been developed, allowing for simultaneous processing of related services [12]. - The launch of the "cloud viewing" platform provides citizens with easy access to housing information and services, enhancing the overall efficiency of property transactions [12]. Group 5: Future Directions - The Shenzhen housing and construction bureau aims to continue optimizing policies and services while focusing on digital transformation to enhance the housing provident fund system [14]. - The commitment to improving living standards and supporting urban development aligns with national strategies for high-quality growth [14].