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贷款互认互通、首付款提取范围扩大……多地发布公积金新政
券商中国·2025-06-10 14:30

Core Viewpoint - Recent housing provident fund policies have been implemented in multiple cities, aiming to enhance accessibility and streamline processes for homebuyers, particularly for those purchasing homes in different cities [1][2]. Group 1: Housing Provident Fund Cooperation - Six cities, including Shenzhen, Zhuhai, Shantou, Jiangmen, Chaozhou, and Jieyang, signed a cooperation agreement to promote the mutual recognition and communication of housing provident fund loans, allowing local employees to access the same loan amounts and property counts as local contributors when purchasing homes [2]. - The cooperation will focus on policy coordination, service collaboration, and data sharing to support the housing consumption needs of mobile workers and families buying homes in different locations [2][3]. - The initiative aims to create a "smart provident fund" service through digital transformation, enhancing the overall experience for users and contributing to a better living and working environment [3]. Group 2: Qingdao's Policy Adjustments - Qingdao has expanded its housing provident fund withdrawal policy, allowing funds to be used for down payments on second-hand homes, as well as new properties and affordable housing [4][5]. - The updated policy includes provisions for withdrawing funds for elevator renovations in existing residential buildings, enabling homeowners and their families to access funds for such improvements [5]. - The process for inheriting provident fund withdrawals has been simplified, allowing direct transfers to the accounts of deceased contributors' immediate relatives [5]. Group 3: Combating Fraudulent Withdrawals - Xuancheng has announced measures to combat fraudulent withdrawals from the housing provident fund, effective from July 1, 2025, requiring additional documentation for full-price purchases of existing homes [7]. - Specific conditions for withdrawal include cases where the withdrawal amount reaches 80% of the home's total price, previous fraudulent activities in the purchase area, or frequent transactions within the last six months [7]. - The notification outlines required proof of residence and payment documentation to ensure compliance and prevent fraudulent claims [8].