多地发布新政！上半年各地调整公积金政策近150条

Core Viewpoint - Multiple regions in China have introduced new housing provident fund policies aimed at optimizing loan support and enhancing housing affordability for residents [1][3]. Group 1: Shenyang Housing Provident Fund Policy - On June 26, Shenyang announced six optimization measures for its housing provident fund, effective from July 1, 2025 [4]. - The minimum down payment ratio policy has been extended until December 31, 2025, maintaining a minimum down payment of 15% [5]. - The "commercial to public" loan policy has been expanded to include flexible employment contributors, out-of-town contributors, and active military personnel, allowing them to convert commercial loans into housing provident fund loans if they have been repaid for five years or more, valid until December 31, 2026 [6]. - Support for high-quality residential properties has been increased, allowing loan limits for purchasing recognized new high-quality residences to be raised to 1.4 times the current maximum loan limit [7]. - The calculation multiplier for account balances in determining loan limits has been increased from 22 times to 25 times for unit-contributing employees, with similar adjustments for flexible employment contributors [8]. - The deadline for withdrawing provident funds for down payments has been extended to December 31, 2026, with processing deadlines pushed to February 28, 2027 [9]. - A subsidy incentive of 500 yuan per person will be provided for graduates from local universities who start contributing to the housing provident fund within two years of graduation [10]. Group 2: Qingdao Housing Provident Fund Policy - On June 26, Qingdao also announced adjustments to its housing provident fund loan policies to support housing needs [11]. - The maximum loan limit for multi-child families has been increased, with a cap of 1.7 million yuan for eligible applicants and 1.1 million yuan for single applicants [11]. - The repayment ability coefficient for calculating loan limits has been adjusted from 30% to 40%, enhancing the formula for determining loan amounts [11]. - Multi-child families with out-of-town contributions can have their loan limits increased by 30% when purchasing self-occupied housing in Qingdao, and second homes will be recognized as first homes for loan applications [12].