核减贷款次数、支持物业费提取……苏州发布公积金新政

Core Viewpoint - Recent housing provident fund policies have been introduced in multiple regions, aimed at reducing the cost of home buying and enhancing the purchasing power of buyers, with expectations for further optimization in the future [2][8]. Group 1: Suzhou Housing Provident Fund Policy - On August 12, Suzhou announced new policies allowing eligible contributors to reduce loan counts, lowering the down payment ratio to 15%, expanding the scope for withdrawing funds for serious illnesses, and supporting the use of provident funds for property management fees [2][3]. - The new policy optimizes the recognition standards for housing provident fund loan usage, allowing families to reduce loan counts if they sell previously financed properties [4][6]. - The policy also allows for withdrawals for serious illnesses, permitting two withdrawals per year, with limits based on medical expenses, and supports property fee withdrawals under specific conditions [4][5][6]. Group 2: Beijing Housing Provident Fund Policy - On August 8, Beijing introduced policies to enhance housing provident fund support, including optimizing the recognition of first-time homebuyers and increasing loan limits for second homes [8][9]. - The new policy changes the first home recognition standard to "recognize house, not loan," allowing families with a cleared loan record to be classified as first-time buyers [9]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with potential increases for specific groups, and the down payment ratio has been standardized at 30% [9][10]. - Additionally, the annual loan limit based on contributions has been raised from 100,000 to 150,000 yuan, significantly reducing the time required to qualify for larger loans [9][10].