“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 relaxation of restrictions on the use of housing provident funds for urban renewal purposes is accelerating, which is expected to benefit more flexible employment groups. However, the housing provident fund system still faces challenges in effectively mobilizing over 10 trillion yuan of "sleeping funds" and requires further improvement in residents' housing consumption expectations [1][5][8]. Group 1: Policy Changes and Initiatives - Various cities, from first-tier to second and third-tier, have recently introduced new policies to expand the use of housing provident funds, particularly for urban renewal projects that enhance residents' living conditions and asset value [2]. - The Ningxia Zhongwei Housing Provident Fund Management Center announced new policies supporting the withdrawal of housing provident funds for elderly and child-friendly renovations, as well as for structural reinforcement and urban renewal projects [2]. - Hebei Langfang has lifted the 12-month withdrawal interval restriction for housing provident funds, allowing more frequent access for residents to fund 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 Support and Impact - Shandong Dezhou is piloting housing provident fund participation for flexible employment workers, linking it with urban renewal projects to support displaced residents and enhance their loan capacities [4]. - The 2024 national housing provident fund report indicates a total deposit of 36,317.83 billion yuan, with a 4.67% increase from the previous year, but only 1.24% of contributors are flexible employment workers [6]. - The total cumulative withdrawal from the housing provident fund reached 218,688.56 billion yuan, accounting for 66.69% of total deposits, indicating a significant reliance on withdrawals [6][7]. Group 3: Challenges and Future Outlook - The current use of housing provident funds for alleviating personal housing consumption pressures and funding urban renewal projects has not been fully realized, necessitating a boost in residents' consumption expectations [8]. - Experts suggest that expanding the coverage of housing provident funds to include more flexible employment workers and easing withdrawal restrictions could activate the housing provident fund system, which has been historically underutilized [7][8].