“唤醒”超10万亿资金，多地支持住房公积金用于居民房屋改建

Core Viewpoint - The housing provident fund system is undergoing reforms to expand its usage for urban renewal projects, aiming to benefit more flexible employment groups, although challenges remain in activating the substantial dormant funds [1][6]. Group 1: Policy Changes and Reforms - Recent policies across various cities have expanded the scope of housing provident fund usage, particularly for urban renewal projects that enhance residents' living conditions and asset value [2]. - The Ningxia Zhongwei City housing provident fund management center has introduced new policies allowing fund withdrawals for elderly and child-friendly renovations, as well as structural reinforcements and urban renewal projects [2]. - Hebei Langfang has lifted restrictions on the frequency of housing provident fund withdrawals, allowing for more flexible access for home purchases, construction, and renovations [3]. - The Beijing urban renewal incentive toolbox aims to accelerate housing provident fund loan support for residents' renovation costs, reducing financial burdens [4]. Group 2: Financial Implications and Statistics - The housing provident fund's total deposit amount reached 32.79 trillion yuan by the end of 2024, with a year-on-year growth of 8.61%, while the total withdrawal amount was 21.87 trillion yuan, accounting for 66.69% of total deposits [6][7]. - In 2024, 22.57 million people withdrew 272.06 billion yuan for rental housing, but only 65,300 people withdrew 2.04 billion yuan for old community renovations, indicating a need for broader fund utilization [7]. - The innovative practices in Shandong Dezhou are expected to generate 15.3 million yuan in housing provident fund loan issuance and stimulate local real estate sales and related consumption [4]. Group 3: Challenges and Future Outlook - Despite the reforms, the housing provident fund system faces a "good policy but poor execution" dilemma, with the need for improved resident housing consumption expectations to fully activate the over 10 trillion yuan in dormant funds [1][8]. - The inclusion of more flexible employment individuals in the housing provident fund system is seen as a potential way to enhance fund activity and participation in urban renewal projects [7]. - Experts suggest that the ongoing urban renewal efforts and the adoption of self-renovation models could increase residents' willingness to participate and contribute financially to these projects [7].