非公企业成公积金缴存主力 住房公积金已成为观察城市经济热度与民生温度的重要窗口。近日，市住房公积金中心发布的数据显 示，2025年1—11月，全市新增开户单位4万家，新增开户个人83.31万人，同比增长6.01%，新增归集资 金1191.58亿元。 值得关注的是，这组数据不仅彰显了深圳公积金制度在保障民生需求上的持续效能，更以"真金白银"印 证了市场主体对营商环境的高度认可，折射出广大新市民、青年人对在深圳安居乐业的坚定信心。 深圳住房公积金制度自2010年12月破土萌芽，15年来，实现了归集资金从零到突破万亿元的历史性跨 越，服务覆盖超1700万市民，每年受理住房公积金业务超2000万笔。公积金覆盖面稳步扩大，数据显 示，截至2025年11月底，全市当年新增开户单位4万家，新增开户个人83.31万人，同比增长6.01%，新 增归集资金1191.58亿元。 新增开户数据的背后，是深圳就业结构的优化与经济韧性的凸显。缴存单位中，非公企业占比高达 97%，非公企业已成为公积金缴存的主力。 政策还进一步加大对多子女无房家庭职工的支持力度，增加对承租保障性租赁住房的无房职工的倾斜支 持，符合条件的家庭可按实际月租金提 ...

今天，记者从深圳市住房和建设局获悉，深圳市住房公积金制度于2025年12月迎来全面实施十五周年。 住房公积金制度是城市住房建设工作的重要组成部分，自2010年12月在特区改革的热土上破土萌芽，十 五年来，在市住房公积金管理委员会的正确领导下，市住房公积金管理中心（以下简称市公积金中心） 坚持以改革驱动创新、以服务赋能发展，实现了归集资金从零到突破万亿元的历史性跨越，服务覆盖超 1700万市民，每年受理住房公积金业务超2000万笔，占全市政务服务总量的四成。十五载征程，不仅是 制度从"夯基垒台"到"立柱架梁"的系统性构建，更是千万家庭从"住有所居"迈向"住有宜居"的温暖见 证。 归集资金夯实安居之本 从无到有，15年突破1万亿，年均增长率保持在两位数以上 十五年来，伴随深圳经济社会的高速发展，深圳住房公积金事业实现了从无到有、由弱到强的跨越式发 展。从2011年归集额仅为218亿元，到2017年累计突破2000亿元，2021年达5500亿元，2024年攀升至 9000亿元，特别是至2025年9月，累计归集资金突破1万亿元，年均增长率保持在两位数以上，归集规模 居全国前列。 助力营商环境优化。深圳持续优化住房公积 ...

五年来，优先保刚需保基本，制度普惠打开新局面。截至2024年末，全市向40岁以下缴存职工发放住房 公积金贷款占比提升至81%，较2020年末提高20.5个百分点；发放首套房贷款占比达78.96%，有效满足 了职工对自住住房的刚性需求。参照灵活就业人员参加住房公积金制度国家试点模式，开展市级试点， 稳步推进灵活就业人员参加住房公积金制度。累计开户1.44万人、缴存3.27亿元，全市非公缴存人数占 比较"十三五"末提升8.36个百分点。全力支持缴存人异地购房需求，五年来累计发放异地贷款8300余 笔、29.36亿元，为助力劳动要素自由流动、建设全国统一大市场做出积极贡献。 五年来，政策体系迭代优化，住房消费实现新支撑。"十四五"期间，科学调整住房公积金缴存使用政 策。取消省内购房提取、偿还贷款提取的户籍地和工作地限制，优化房屋套数认定标准，支持职工提取 住房公积金支付购房首付款。精准实施差别化信贷政策，支持现房销售，助力"好房子"建设，最高贷款 额在省内仅低于济南、青岛两个副省级城市。截至2025年末，平均每笔贷款额达46.44万元，较"十三 五"末大幅上升12.40万元。推进"租购衔接"政策，提高租房提取标准， ...

Core Viewpoint - The new "Commercial to Public Loan" policy in Hainan introduces a "Direct Transfer with Mortgage" option, aimed at reducing borrowers' interest burdens and enhancing the accessibility and benefits of the housing provident fund system [1][2]. Group 1: Policy Changes - The "Commercial to Public Loan" will now have two processing methods: "Direct Transfer with Mortgage" and "Self-Funded Settlement" [1]. - The "Direct Transfer with Mortgage" allows loan funds to be directly transferred to the original commercial loan bank after approval, while the "Self-Funded Settlement" requires borrowers to first pay off their original loans before applying for the public loan [1]. Group 2: Loan Limits and Eligibility - The loan amount for "Commercial to Public Loan" is determined by the lowest value among four criteria: the maximum public loan limit, the remaining principal of the original commercial loan, the calculated loan amount based on repayment ability, and 60% of the housing price indicated on the VAT invoice [2]. - The policy now covers a wider range of housing purchases, including new self-occupied homes, second-hand homes, affordable housing, and relocation housing [2]. Group 3: Application Process and Funding Mechanism - Applications for "Commercial to Public Loan" can be submitted through the "Haiyi Ban" app, the Hainan government service website, or at local housing provident fund service centers [2]. - The "Commercial to Public Loan" is linked to the individual loan rate; when it reaches 95%, a monthly limit of 500 million yuan will be implemented, and when it exceeds 110%, new applications will be suspended [2].

Core Insights - Shenzhen's housing provident fund system has significantly expanded, accumulating over 1 trillion yuan in funds and benefiting over 20 million citizens since its implementation in December 2010 [2] Group 1: Loan and Housing Support - The total amount of housing provident fund loans issued has exceeded 380 billion yuan, supporting the purchase of approximately 51 million square meters of housing [1][3] - The maximum loan amount available is 2.31 million yuan, the highest in the country, with policies in place to support first-time homebuyers and families with multiple children [3] Group 2: Coverage and Participation - The system has broadened its coverage to include both local and non-local workers, as well as foreign nationals and residents from Hong Kong, Macau, and Taiwan [2] - Approximately 120,000 flexible employment workers, such as delivery personnel and ride-hailing drivers, have voluntarily joined the provident fund system since its pilot launch in 2021 [2] Group 3: Withdrawal and Usage Policies - The withdrawal policy allows employees to access funds for various purposes, including home purchases, loan repayments, and rent, with a total rental withdrawal amount exceeding 260 billion yuan [3] - The system has implemented a "monthly automatic withdrawal" service, enhancing convenience for users [3] Group 4: Digital Services and Accessibility - Over 98% of provident fund transactions can be completed online, with a comprehensive digital service platform established for easy access to services [4] - The launch of the "iShenfang" platform provides citizens with integrated online services, including real estate project displays and housing policy information [5]

Core Viewpoint - Shandong province is implementing a comprehensive plan to allow flexible employment individuals to participate in the housing provident fund system, aiming to enhance housing security for this group by the end of 2025 and establish a broad, flexible, and convenient management system by 2030 [1] Group 1: Participation and Management - The plan specifies that flexible employment individuals, including those working part-time, self-employed, and in new industries, can apply to join the housing provident fund system [2] - Participants can determine their contribution amounts within the local limits based on their income, and there are provisions for transitioning contributions between flexible and full-time employment [2] Group 2: Rights and Benefits - The plan includes measures to support flexible employment individuals in accessing housing loans, including the ability to apply for loans in different locations and to withdraw their contributions under certain conditions [3] - Flexible employment contributors will enjoy similar withdrawal policies as full-time employees, allowing for full withdrawal of contributions if they have not taken out a housing loan or have fully repaid one [3] Group 3: Housing Security and Support - Local governments are encouraged to integrate eligible flexible employment contributors into the housing security system, providing access to public rental housing and other related policies [5] - Collaboration with housing rental agencies is promoted to offer online services and financial incentives for flexible employment contributors [5] Group 4: Incentives and Services - The plan suggests various incentives for flexible employment individuals, such as contribution subsidies and tax benefits, as well as personalized financial services from commercial banks [6] - It also proposes establishing a platform for entrepreneurship and employment guidance, including skills training and job fairs to enhance employment opportunities for flexible workers [6]

Core Points - The article discusses the implementation of a new policy in Zhaoqing City that allows flexible employment individuals to voluntarily contribute to and utilize housing provident funds, effective immediately [1] Group 1: Policy Overview - The new management measures aim to expand the coverage of the housing provident fund system and enhance its inclusivity [6] - The policy applies to flexible employment individuals aged 16 and above who earn their primary income through self-employment, part-time work, or new business models, and who have full civil capacity [5][7] Group 2: Contribution Details - Contributions to the housing provident fund are voluntary, with individuals required to report their contribution base and rate [8] - The contribution base cannot exceed three times the average monthly salary of employees in the previous year, nor fall below the minimum wage standard set by the city [8] - The contribution rate must be between 10% and 24%, chosen by the individual [8] Group 3: Account Management - Each individual can only have one housing provident fund account, and existing accounts can be used [8] - Contributions can be made monthly, quarterly, or as a lump sum, and the funds are owned by the contributor [8] - If an individual wishes to stop contributing, they must first freeze their account for six months before withdrawing the total balance [10] Group 4: Withdrawal and Loan Conditions - Flexible employment individuals can apply to withdraw their provident fund balance if they meet the city's withdrawal policy [10] - To qualify for a housing loan, individuals must have contributed to the fund for at least six months prior to the loan application [11] Group 5: Implementation Timeline - The policy will be effective for five years starting from August 18, 2025 [11]

Core Viewpoint - The article emphasizes that the housing provident fund policy will have a significant supplementary effect on stabilizing housing prices, with potential for further optimization to encourage more individuals to consider purchasing homes [1][3]. Summary by Sections Housing Provident Fund in China - The housing provident fund system has rapidly developed over the past decade, benefiting more people with key characteristics including: 1. Continuous expansion of coverage and steady growth in contribution scale 2. High proportion of housing consumption in fund withdrawals, with an increasing withdrawal rate 3. Alignment of housing fund loans with real estate market cycles, with a gradual decline in personal housing loan rates - The system is viewed as a social housing security mechanism and plays a crucial role in stabilizing the real estate market and meeting reasonable housing demands as interest rates decline [1][2]. Potential Impact of Optimizing Provident Fund Policies - In the first half of 2025, various regions are expected to introduce policies to optimize the housing provident fund, such as lowering loan interest rates, increasing loan limits, reducing down payment ratios, and enhancing subsidies to activate potential purchasing power - The estimated contribution of these new policies to sales area in first-tier and new first-tier cities is modest, with increases of approximately 4.4% in Beijing, 1.8% in Shanghai, 2.8% in Shenzhen, 9.2% in Guangzhou, 5.4% in Hangzhou, and 7.9% in Chengdu - In contrast, the impact on second- and third-tier cities is more pronounced, with sales area increases nearing 50% in cities like Yantai and Zibo, and approximately 52.6% in Baoding - The analysis also indicates that after the policy adjustments, monthly mortgage payments in cities like Shanghai, Wuhan, Chongqing, Chengdu, and Jinan have become lower than monthly rents, suggesting a shift towards home buying over renting [2][3]. Investment Recommendations - The company maintains a "buy" rating, believing that the housing provident fund policy will effectively support the market as housing prices stabilize - The policies are primarily aimed at first-time homebuyers and those with urgent needs, providing a stabilizing effect - Future adjustments may include expanding the use of the provident fund for down payments, addressing operational bottlenecks, supporting inter-city loans, and optimizing standards for second-home loans, among other measures [3].

Core Viewpoint - Chongqing is focusing on housing consumption needs and optimizing housing provident fund policies to support residents in solving basic housing issues and boosting housing consumption [1][4]. Group 1: Housing Provident Fund Policies - As of July 24 this year, Chongqing's housing provident fund center has processed 10,827 commercial-to-public loan direct transfer transactions, amounting to 6.158 billion yuan, with a direct transfer ratio of 93% [6]. - The new direct transfer service for commercial-to-public loans significantly reduces the burden on borrowers by eliminating the need for upfront capital to pay off original commercial loans, thus streamlining the process [4][5]. - The initiative began with five major state-owned banks and will expand to include 16 banks by July 2025, enhancing accessibility for borrowers [4]. Group 2: Support for Flexible Employment - The number of flexible employment individuals with accounts has reached 474,300, with total contributions of 1.14 billion yuan, the highest in the country [7]. - A total of 173,800 withdrawals have been made, amounting to 447 million yuan, and 1,110 loans totaling 487 million yuan have been issued, saving approximately 42 million yuan in interest for flexible employment contributors [7]. - Policies have been upgraded four times to reduce contribution pressure and increase loan limits, with the minimum contribution period reduced from 24 months to 6 months and maximum loan amounts increased significantly [8].

Core Points - The Ministry of Housing and Urban-Rural Development is expanding the pilot program for flexible employment workers to participate in the housing provident fund system, increasing the number of pilot cities from 13 to 36 by 2024 [1] - By the end of 2024, over 1 million flexible employment workers are expected to contribute to the housing provident fund, with 240,000 already utilizing it for renting or purchasing homes [1] - The program allows flexible employment workers aged 16 or 18 and below the legal retirement age to contribute, with no household registration restrictions in cities like Shenyang and Zibo [1] Summary of Housing Provident Fund Data - In 2024, there will be a net increase of 342,400 housing provident fund contributors and 1.7407 million contributors nationwide, indicating a continuous expansion of the fund [2] - The number of individuals withdrawing from the housing provident fund reached 81.27 million, accounting for 46.10% of contributors, with total withdrawals amounting to 27,654.84 billion yuan, a 4.11% increase from the previous year [2] - The housing provident fund is playing a positive role in stabilizing the real estate market, with policies supporting the withdrawal of funds for down payments and facilitating cross-regional loans and withdrawals [2]