构建房地产发展新模式需要建立在"去库存"和"稳楼市"基础上。为此，明年楼市供给侧改革将进一步聚 焦"控增量、去库存、优供给"，把存量房盘活与保障房建设工作相结合。与此同时，高质量的城市更新 有望成为"稳楼市"的新抓手。 "所谓'高质量'，就是要让民生福祉有改善，城市面貌有提升，商业模式可持续，政府投入财政可负 担。"冯波说。 中国社科院国家未来城市实验室副主任、研究员王业强则提出，在城镇化进入后半程，城市更新正成 为"稳楼市"的新抓手。 他对第一财经解释说，高质量推进城市更新是当前中国城镇化发展的重要战略方向，其核心在于转变城 市发展方式，从规模扩张转向内涵提升，它是一项系统工程，需要统筹规划、分步实施，在保障民生需 求的同时，推动城市结构优化、动能转换和品质提升。 12月10日至11日，中央经济工作会议在北京举行。"着力稳定房地产市场"被列入"坚持守牢底线，积极 稳妥化解重点领域风险"这一明年经济工作要抓好的重点任务中。 会议指出，着力稳定房地产市场，因城施策控增量、去库存、优供给，鼓励收购存量商品房重点用于保 障性住房等。深化住房公积金制度改革，有序推动"好房子"建设。加快构建房地产发展新模式。 "相较于 ...

12月10日至11日，中央经济工作会议在北京举行。"着力稳定房地产市场"被列入"坚持守牢底线，积极 稳妥化解重点领域风险"这一明年经济工作要抓好的重点任务中。 会议指出，着力稳定房地产市场，因城施策控增量、去库存、优供给，鼓励收购存量商品房重点用于保 障性住房等。深化住房公积金制度改革，有序推动"好房子"建设。加快构建房地产发展新模式。 "相较于去年9月份中央政治局会议中'严控增量、优化存量、提高质量'的提法，今年中央经济工作会议 在展望明年房地产工作中提出'控增量、去库存、优供给'。从'优化存量'到'去库存'，意味着在当地楼市 总体需求偏弱的背景下，去化压力仍然较大。明年需要以更大力度推动楼市去化，以实现房地产供求关 系形成新的平衡。"成都市城市建设发展研究院副院长冯波对第一财经表示。 上海易居房地产研究院副院长严跃进也认为，明年楼市政策的关键词是"去库存"。"从库存指标来看， 当前全国百城去库存周期处于历史新高，去库存压力非常大。易居研究院全国百城库存报告显示，11月 全国百城去库存周期已为27.4个月，为历史新高，且超过了去年高点。" 近一年来，多地在楼市去化过程中，将存量商品房收购与保障房建设相结合， ...

齐鲁晚报·齐鲁壹点 李楠楠 12月5日，烟台市政府新闻办举行"回望'十四五' 奋楫启新程"主题系列第十一场新闻发布会，烟台市住 房公积金管理中心党组成员、副主任邢红梅介绍了灵活就业人员参加住房公积金制度和住房公积金在便 民服务方面的相关情况。 今年1-10月，烟台办结贷款购房"一件事"业务6680笔 近年来，烟台市住房公积金管理中心发挥全国住房公积金系统"星级服务岗"示范引领作用，以便民服务 为导向，不断提升服务质效。 线上办理广泛普及。建成了网厅、微信公众号、智能客服等线上服务渠道，接入了爱山东、山东政务服 务网、全国住房公积金公共服务平台等外部服务渠道，实现7*24小时网上办、掌上办、智慧办，业务网 办率较"十三五"末提高146%。 线下服务持续优化。缴存提取业务实现全市通办，二手房贷款业务六区通办；住房公积金个人证明事项 实现"亮码可办"，各服务大厅推行工作日全时不间断、周末不打烊、延时办、预约办、上门办、帮办代 办等贴心服务。 集成服务高效便捷。完成国家、省、市确定的14个"一件事"工作任务，牵头推出住房公积金贷款购 房"一件事"。1-10月，办结贷款购房"一件事"业务6680笔，发放贷款34.73亿 ...

Core Viewpoint - Yulin City has introduced several supportive policies to enhance the inclusiveness and attractiveness of the housing provident fund system, particularly targeting flexible employment groups [1][2] Group 1: Policy Initiatives - Yulin City has launched the "Management Measures for Housing Provident Fund Contribution and Use for Flexible Employment Personnel" and the "Ten Beneficial Measures for Housing Provident Fund" [1] - The new policies aim to upgrade the housing provident fund service system by focusing on the needs of flexible employment groups [1] Group 2: Contribution and Subsidy Structure - The policies establish a framework consisting of "contribution support, subsidy incentives, loan increase, and withdrawal optimization" [1] - Flexible employment personnel can voluntarily contribute based on their circumstances, with contribution rates set between 10% and 24% [1] - An interest subsidy will be provided for contributions made after June 1, 2025, with an additional 0.6% annual interest rate for those who have contributed for 12 months without using loans or withdrawals [1] Group 3: Loan Policy Optimization - The calculation method for loan amounts has been adjusted to reflect longer contribution periods and higher contribution amounts [1] - The policies support flexible employment personnel in obtaining secondary housing provident fund loans and various loan combinations [1] Group 4: Rights Protection and Future Plans - Flexible employment personnel can change their employment status and continue their rights based on the new policies [2] - A new subsidy for recent university graduates has been established, and the housing provident fund withdrawal policy has been optimized [2] - Yulin City aims to simplify service processes through digital empowerment and hopes to create a replicable model known as the "Yulin Experience" for broader sharing of housing provident fund benefits [2]

Core Viewpoint - The new policies implemented by Enshi Prefecture aim to enhance the housing provident fund system, expanding its coverage and improving services to meet diverse housing needs, thereby injecting new momentum into housing welfare projects [1] Group 1: System Expansion - The new policies extend the coverage of the housing provident fund to grassroots levels, including non-public enterprises, community leaders, and flexible employment groups, ensuring comprehensive housing security [2] Group 2: Rental and Purchase Support - The new policies significantly increase the rental withdrawal limit for single employees to 18,000 yuan per year and for families with multiple children to 30,000 yuan, allowing for monthly flexible withdrawals and direct payment of rent [3] Group 3: Policy Relaxation - The new policies relax conditions for fund usage, allowing joint homebuyers beyond immediate relatives and extending the loan age limit to 68 for men and 63 for women, with an increased income-to-repayment ratio of 60% [4] Group 4: Innovation and Quality of Living - The new policies include the use of provident funds for purchasing "commercial-to-residential" properties and support for elderly and child-friendly renovations, with a maximum loan amount of 300,000 yuan for such projects [5] Group 5: Regional Collaboration - The new policies enhance cooperation with the Wuhan metropolitan area, allowing local employees to enjoy the highest loan limits when purchasing homes in that region, while eliminating residency restrictions for cross-regional homebuyers [6] Group 6: Service Improvement - The new policies aim to upgrade services by enhancing bank collaboration, creating flagship provident fund service centers, and increasing loan limits for individuals and specific groups such as veterans and PhD holders [7]