Core Viewpoint - The housing provident fund service is being standardized across six cities in Guangdong province, enhancing loan recognition and connectivity to support housing consumption needs for mobile workers and families purchasing homes in different locations [1] Group 1: Policy Collaboration - Six cities, including Shenzhen, Zhuhai, Shantou, Jiangmen, Chaozhou, and Jieyang, have signed a cooperation agreement to promote collaborative development of the housing provident fund [1] - The collaboration will focus on policy coordination, service collaboration, and data sharing to facilitate housing consumption [1] Group 2: Support for Housing Needs - The initiative aims to support the housing consumption demands of mobile employment groups and families purchasing homes in different cities [1] - The cities involved will continue to promote mutual recognition and connectivity of housing provident fund loans, allowing local employees to access the same loan limits and property count as local contributors when purchasing homes [1]

Core Insights - The 2024 National Housing Provident Fund Annual Report indicates stable operations with total contributions reaching 36,317.83 billion yuan and 8,127.04 million people withdrawing 27,654.84 billion yuan [1] - The report highlights an increase in the number of participating units and individuals, with 5.29 million units and 176.29 million individuals contributing, marking a growth of 6.92% and 1% respectively compared to the previous year [1] - The report emphasizes the expanded support for flexible employment individuals, with 23 new cities added to the pilot program, increasing the total to 36 cities [1] Group 1: Housing Fund Operations - The total amount of personal housing loans issued reached 1,304.31 billion yuan, with 230.56 million loans granted [1] - The number of individuals withdrawing funds for housing purposes accounted for 46.10% of contributors, with a total withdrawal amount of 27,654.84 billion yuan, reflecting a 4.11% increase year-on-year [1][2] - The housing fund policies have been optimized to facilitate the withdrawal of funds for down payments and support inter-city loans [2] Group 2: Impact on Real Estate Market - The housing provident fund has played a positive role in stabilizing the real estate market, with a total of 30,970.83 billion yuan in personal housing loans and withdrawals combined [2] - A reduction in housing loan interest rates by 0.25 percentage points starting May 8, 2025, is expected to alleviate financial pressure on homebuyers [2] - In Ma'anshan, Anhui Province, the housing fund has been instrumental in enhancing housing consumption, with a significant increase in rental withdrawals [2] Group 3: Support for Housing Improvement - The housing fund has also supported the renovation of old residential areas and the installation of elevators, with 65,300 individuals withdrawing 2.04 billion yuan for such improvements [3] - Specific cities have implemented policies allowing fund withdrawals for elevator installations, with limits adjusted to better support residents [3] - The expansion of withdrawal policies aims to reduce the financial burden on individuals undertaking home improvements, contributing to urban renewal efforts [3]

Core Viewpoint - The document emphasizes the need to ensure that agricultural migrants enjoy equal rights to public services as local residents in their new cities, promoting a more inclusive approach to urbanization and public service provision [1] Group 1: Policy Implementation - The policy aims to provide basic public services based on the place of residence, transitioning from a system where services are tied to the household registration [1] - It encourages cities with high population inflows to develop tailored implementation plans for providing basic public services [1] - The initiative includes measures for flexible employment personnel to participate in the housing provident fund system [1] Group 2: Housing and Social Support - The policy supports local governments in coordinating funding channels to increase the supply of affordable housing [1] - It promotes the involvement of social forces in the operation of long-term rental housing [1]

Core Viewpoint - Shenzhen has introduced measures to boost consumption and stabilize the housing market, following the national "Consumption Promotion Special Action Plan" released in March 2023 [1][2]. Group 1: Housing Fund Policy Adjustments - The "Shenzhen Consumption Promotion Special Action Implementation Plan" allows for the extraction of housing provident fund for down payments on homes within the city [1]. - Implementation details for using the housing fund for down payments are currently being drafted by the Shenzhen Housing and Construction Bureau [2]. - The maximum loan amount for individuals has been increased from 500,000 yuan to 600,000 yuan, and for families from 900,000 yuan to 1,100,000 yuan [2]. Group 2: Loan Rate and Support Measures - The plan includes a rise in the maximum floating rate for first-time home purchases from 20% to 40%, and for families with two or more children, the rate increases from 10% to 50% [3]. - The cumulative floating rate can reach up to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [3]. Group 3: Market Performance - From January to May 2023, new home sales in Shenzhen increased by 41% year-on-year, while second-hand home transactions rose by 44%, outperforming other first-tier cities [3]. Group 4: Rental Support and Talent Housing Policies - Starting November 1, 2025, the monthly withdrawal limit for housing provident fund for rent will increase from 65% to 80% of the monthly contribution [3]. - Shenzhen plans to implement housing support policies for young talents, aiming to enhance the multi-tiered rental housing supply structure [3][4]. - By the end of 2024, Shenzhen is expected to provide over 180,000 units of guaranteed housing for various talents [4].

Core Viewpoint - The Shenzhen government has officially released a plan to boost consumption, introducing 39 measures aimed at stimulating the housing market and supporting residents' housing needs [1] Group 1: Housing Policy Measures - The plan expands the use of housing provident fund, allowing eligible individuals to withdraw funds for down payments on homes within the city [1] - Implementation details for using the provident fund for down payments are currently being drafted by the Shenzhen Housing Construction Bureau [1] - Starting from November 1, 2025, individuals and their family members without housing in the city can withdraw up to 80% of their monthly contribution to the housing provident fund for rent, an increase from the previous 65% [1] Group 2: Support for Young Talent - The plan includes housing support policies for young talent, aiming to enhance the multi-tiered rental housing supply structure [1] - The initiative promotes the availability of more high-quality small-sized rental housing to meet the needs of young professionals [1]

6月6日，江苏省人民政府办公厅发布《江苏省实施提振消费专项行动若干措施》，其中提到支持有条件 的地方允许购房人父母、子女按规定提取住房公积金支付购房首付款。提高住房公积金贷款额度，优化 贷款条件。 在大力提振消费、更好满足住房消费需求的背景下，各地打出"组合拳"致力于有效发挥住房公积金支持 作用，对住房公积金有关政策进行优化。 记者注意到，5月份以来，已有长沙、珠海、苏州等近20城调整住房公积金有关政策，涉及扩大住房公 积金使用范围、上浮住房公积金贷款额度等方面。 例如，南通市住房公积金管理中心于6月4日发布《关于优化住房公积金使用政策的通知》（以下简称 《通知》），明确个人住房公积金最高贷款额度由60万元/人调整为70万元/人，每户住房公积金最高贷 款额度由120万元/户调整为140万元/户。 值得注意的是，《通知》还针对人才群体进一步提高最高贷款额度，加大支持力度。《通知》提到，符 合市委人才办认定的高层次人才，住房公积金最高贷款额度提高至280万元/户。 长沙市住房公积金管理委员会5月30日发布的《关于实施青年人才住房公积金支持政策的通知》也明确 提出，对符合条件的青年人才"最高贷款额度在我市现行最高贷 ...

Core Viewpoint - The discussion around the advantages of early repayment of housing provident fund loans has gained traction on social media, especially following the People's Bank of China's decision to lower the interest rate for loans over five years to 2.6% starting May 8, 2025, down from 2.85% [1] Group 1: Early Repayment Considerations - Borrowers are primarily concerned with whether early repayment is beneficial and under what circumstances it is most advantageous [2] - The low interest rate differential between provident fund loans and commercial loans means that even a rate of 2.6% is relatively high compared to many deposit rates, which are below 2% [2] - Four scenarios are identified where early repayment is suitable: sufficient provident fund balance, early-stage loan repayment, high monthly payment pressure, and favorable bank policies [2][3] Group 2: Investment vs. Loan Rate - The decision to repay early should consider personal loan circumstances; if the loan is in its early stages and there are idle funds, early repayment can reduce total interest [3] - If the loan is in its later stages, early repayment may not reduce interest costs, and insufficient provident fund balance could negatively impact future loan eligibility [3] - Comparing investment returns with the loan interest rate is crucial; if the annual return on investments exceeds 2.6%, it may be better to keep the loan and invest [3] Group 3: Repayment Methods - There are two methods for early repayment: shortening the loan term or reducing monthly payments; generally, shortening the term yields higher long-term benefits [4] - Shortening the loan term reduces total interest paid, while lowering monthly payments may increase the overall interest if the loan term is extended [4] - Choosing to shorten the loan term results in less total interest paid, while reducing monthly payments may ease cash flow pressure for families sensitive to monthly expenses [4]

北京住房公积金管理中心贷款管理处处长 双亮： 通过精简办事材料，优化业务流程，加快了公积金贷 款放款速度，由原来的一个多月缩短至平均十个工作日。 目前，北京公积金中心合作的11家贷款受托银行可按规定的服务范围开展 委托代办、上门签约、电话 贷款 等服务。此外，为进一步优化二手房贷款购房流程，对存在抵押的房屋，也可正常开展评估工 作，并出具《北京住房公积金管理中心住房公积金个人住房贷款评估核查确认书》，买卖双方同步办理 贷款和解押手续，提升二手房交易效率。 来源：央视财经（ID：c c t v y s c j） 关注" 新华网财经 "视频号 更多财经资讯等你来看 6日，北京住房公积金管理中心发布公积金贷款多项新举措， 新增"电话贷款，服务直达"的模式 ，借款 人通过热线电话即可申请住房公积金个人住房贷款， 实现全程"零跑腿" 。 新增的"电话贷款，服务直达"模式是指借款人申请贷款的，可致电12329公积金热线，提供借款人姓 名、电话、购房地址和选定的贷款受托银行等信息，将电话记录转至贷款受托银行，由受托银行电话指 导借款人线上提交贷款申请，或委托银行代为提交贷款申请， 后续业务由相关受托银行提供上门服务 。 往 ...

Core Points - The company has announced its 2024 annual profit distribution and capital reserve conversion plan, which was approved at the shareholders' meeting on May 7, 2025 [1][2][4] Group 1: Profit Distribution and Capital Reserve Conversion - The profit distribution plan involves a cash dividend of 2.30 RMB per 10 shares (including tax), totaling approximately 276.47 million RMB [1][4] - The capital reserve conversion plan will increase the total share capital from 1,202,039,474 shares to 1,562,651,316 shares by converting 3 shares for every 10 shares held [1][4] - The distribution will be adjusted if the total share capital changes due to convertible bonds, share buybacks, or stock option exercises before the implementation [1] Group 2: Implementation Details - The equity registration date is set for June 12, 2025, and the ex-dividend date is June 13, 2025 [5] - The cash dividends will be directly credited to shareholders' accounts on the ex-dividend date [8] - The company will bear all legal responsibilities if there are any discrepancies in the cash dividends due to changes in shareholders' accounts during the distribution application period [8] Group 3: Financial Impact - After the share increase, the earnings per share for the 2024 fiscal year will be calculated at 0.5417 RMB based on the new total share capital [8]

新华财经北京6月6日电（记者高婷）为进一步激发房地产市场活力，促进房地产市场平稳健康发展，北京住房公积金管理中心（以下简称"公积金中心"）6 日发布《关于进一步完善提高住房公积金个人住房贷款服务质效工作的通知》（以下简称《通知》），通过新增"电话贷款，服务直达"模式、取消抵押物评 估对房屋抵押状态限制的规定、扩大受托银行数量等方式，进一步完善提高住房公积金个人住房贷款服务质效。 从提升公积金贷款服务品质来看，双亮举例进行介绍，去年11月，借款人郑先生因购买二手房申请公积金贷款，贷款审批通过后，突发疾病需入院手术无法 办理面签手续。为解决借款人实际困难，不耽误其房屋交易进程，贷款受托银行在2024年11月11日下午前往北京中医药大学东方医院，协助借款人郑先生完 成借款合同签订手续，贷款受托银行工作人员在狭小的病房内全程半蹲为郑先生讲解后续注意事项，为群众提供了暖心服务。 "56分钟办完一手房公积金贷款"则体现出公积金中心在加快贷款放款速度上狠抓实效。双亮说，2024年11月25日，借款人王先生因购买一手房申请公积金贷 款，当日即完成贷款审核、面签手续，用时仅56分钟。2024年11月27日王先生完成新建住房预抵 ...