成都等地调整公积金政策

Core Viewpoint - Recent adjustments in housing provident fund policies across multiple cities aim to enhance support for homebuyers and renters, thereby stimulating demand in the real estate market [1][2][3]. Group 1: Policy Adjustments - Chengdu's housing provident fund management committee announced a policy to lower the minimum down payment ratio to 15% for purchasing affordable housing, and increase loan limits by 50%, raising the maximum loan amount for single contributors to 900,000 yuan and for dual contributors to 1,500,000 yuan [1]. - Hefei is seeking public opinion on a draft proposal to raise the maximum housing provident fund loan limit, particularly for families with multiple children, potentially allowing loans up to 1,440,000 yuan for first-time homebuyers [2]. - Suzhou has expanded the use of housing provident funds to cover property management fees, allowing withdrawals once a year up to the actual amount paid [2]. Group 2: Market Implications - The expansion of the housing provident fund's applicability, such as using it for property management fees, is aimed at increasing disposable income for consumers, which is crucial for boosting overall consumption [3]. - Data from the China Index Academy indicates that nearly 150 adjustments to housing provident fund policies were made in the first half of the year, focusing on increasing loan limits and optimizing loan recognition standards [3]. - The real estate market is showing signs of stabilization, particularly in first-tier and key second-tier cities, while disparities remain between different cities and their internal districts [4].