深化住房公积金制度改革，怎么做？

Core Insights - The housing provident fund system is set to undergo reforms in 2025, aiming to enhance its role in expanding domestic demand and stabilizing the market, benefiting more contributors and better meeting housing needs [1] - The housing provident fund will continue to support residents in purchasing homes, with policies in place to increase loan limits and optimize processes for converting commercial loans to provident fund loans [1] - The reform is expected to provide greater support for housing consumption, particularly in urban renewal and improving living conditions [1] Group 1 - The number of contributors to the housing provident fund is projected to reach 176.29 million by 2024 [1] - The housing provident fund will expand its funding usage to include flexible employment workers, with 23 new pilot cities added, increasing the total to 36 cities [2] - By the end of 2024, over 1 million flexible employment workers are expected to contribute to the housing provident fund, with 240,000 already utilizing it for housing [2] Group 2 - In 2024, 81.27 million people are expected to withdraw from the housing provident fund, representing 46.10% of contributors [3] - The fund can be used for both home purchases and rentals, with a significant increase in withdrawals for rental purposes [3] - The total balance of the housing provident fund is projected to reach 10.93 trillion yuan by the end of 2024, with various cities exploring its use for public services like property fees and elevator installations [3][4] Group 3 - The efficiency of housing provident fund services is expected to improve through enhanced data governance and standardized service levels [4]