住房公积金政策优化

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重磅!上海调减住房限购政策
证券时报· 2025-08-25 04:43
Core Viewpoint - The article discusses the recent adjustments to Shanghai's real estate policies aimed at optimizing housing purchase conditions and supporting homebuyers, particularly focusing on reducing costs and expanding eligibility for various demographics [2][4]. Group 1: Housing Purchase Policies - The new policy allows eligible resident families to purchase an unlimited number of homes outside the outer ring road, while single adults are treated similarly to resident families regarding housing purchase limits [2][3]. - Non-local resident families and single adults can also buy unlimited homes outside the outer ring road if they have paid social insurance or income tax in Shanghai for at least one year [3]. Group 2: Housing Fund Policy Adjustments - The policy increases the maximum loan amount for housing provident fund loans, with first-time buyers now eligible for up to 1.84 million yuan, an increase from 1.6 million yuan, and families with multiple children can receive up to 2.16 million yuan [4]. - The policy supports the withdrawal of housing provident funds for down payments on new homes, allowing buyers to use their and their spouse's funds [4]. - It also allows for simultaneous withdrawal and loan application from the housing provident fund, ensuring that the withdrawal does not affect the loan amount calculation [4]. Group 3: Tax Regulations - The policy states that eligible non-local resident families will be exempt from property tax on their first home purchase, while the second and subsequent homes will have a tax exemption based on a per capita area deduction of 60 square meters [4].
上海:提高个人住房公积金贷款额度 支持提取住房公积金支付购房首付款
Feng Huang Wang· 2025-08-25 04:09
Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market, including reducing housing purchase restrictions and enhancing housing fund support for homebuyers, effective from August 26, 2025 [1] Group 1: Policy Adjustments - The notification includes a reduction in housing purchase restrictions, optimization of housing provident fund policies, and improvements in personal housing credit and property tax measures [1] - The policy adjustments are a collaborative effort from six departments, including the Shanghai Municipal Housing and Urban-Rural Development Commission and the Shanghai Municipal Bureau of Housing Management [1] Group 2: Housing Provident Fund Enhancements - The maximum loan amount for housing provident fund will increase by 15% for individuals purchasing new green buildings rated two stars or above [1] - The maximum loan amount for first-time homebuyers will rise from 1.6 million yuan to 1.84 million yuan, with additional increases for families with multiple children, raising the limit from 1.92 million yuan to 2.16 million yuan [1] - The maximum loan amount for second-time homebuyers will increase from 1.3 million yuan to 1.495 million yuan [1] Group 3: Withdrawal and Loan Support - Homebuyers will be allowed to withdraw their housing provident fund to pay for the down payment on newly built pre-sold properties [1] - The policy allows for simultaneous withdrawal and loan application, meaning that withdrawing funds for the down payment will not affect the calculation of the housing provident fund loan limit [1]
上海:优化住房公积金政策
Zheng Quan Shi Bao Wang· 2025-08-25 04:07
Core Viewpoint - Shanghai's housing policy adjustments aim to optimize housing provident fund policies to support homebuyers and stimulate the real estate market [1] Summary by Relevant Categories Housing Provident Fund Policy Adjustments - The maximum loan limit for individuals purchasing new green buildings rated two stars or above is increased by 15% [1] - The first home loan limit is raised from 1.6 million yuan to 1.84 million yuan, with multi-child families able to stack the increase, raising the limit from 1.92 million yuan to 2.16 million yuan [1] - The second home loan limit is increased from 1.3 million yuan to 1.495 million yuan [1] Support for Down Payments - Homebuyers can withdraw their housing provident fund to pay for the down payment when purchasing newly built presale properties in the city [1] Loan and Withdrawal Flexibility - The policy allows for simultaneous withdrawal and loan application from the housing provident fund, meaning that withdrawing funds for the down payment does not affect the calculation of the loan limit [1]
上海:符合条件居民家庭在外环外购房不限套数
财联社· 2025-08-25 04:01
Core Viewpoint - The article discusses the recent adjustments to Shanghai's real estate policies aimed at meeting residents' housing needs and promoting a stable and healthy real estate market, effective from August 26, 2025 [1]. Group 1: Housing Purchase Policy Adjustments - The new policy reduces housing purchase restrictions, allowing eligible families to buy an unlimited number of homes outside the outer ring road [3]. - Non-local residents who have paid social insurance or income tax in Shanghai for over one year can also purchase unlimited homes outside the outer ring road, with specific limits for purchases within the inner ring road [3][4]. Group 2: Housing Fund Policy Optimization - The policy increases the maximum loan amount for housing provident fund loans, with first-time buyers now eligible for up to 1.84 million yuan, and families with multiple children can receive up to 2.16 million yuan [3]. - The policy allows for the withdrawal of housing provident funds to pay for the down payment on new homes, and does not affect the calculation of loan limits [3]. Group 3: Personal Housing Loan Interest Rate Mechanism - The policy optimizes the pricing mechanism for personal housing loans, removing the distinction between first and second home loans, allowing banks to set interest rates based on market conditions and individual risk profiles [4].
广州正式实施"商转公"新政 降低购房门槛助力楼市企稳
Huan Qiu Wang· 2025-08-22 02:27
【环球网财经综合报道】8月21日,广州市正式施行《广州商业性个人住房贷款转住房公积金个人住房贷款实施办法(暂行)》(以下简称《办法》),进 一步降低市民购房贷款成本。新规在前期征求意见基础上优化了申请条件,放宽了贷款房屋年限要求,并提高了贷款额度比例。 根据新实施的《办法》,在广州市开户并累计缴存住房公积金满60个月及以上的缴存人,若其原商业贷款已放款3年以上、所购房屋为产权人家庭在广州市 的唯一住房,即可申请将商业性个人住房贷款转为住房公积金个人住房贷款。与今年7月公开征求意见的版本相比,此次正式施行的《办法》将原商业贷款 已放款年限要求从5年调整为3年,并将贷款额度上限从购房总价款的60%提高至70%。 除广州外,近期全国多地密集优化住房公积金政策。合肥市住房公积金管理中心8月13日宣布,自2025年8月20日起,可办理2021年12月31日(含)前发放 的个人住房商业贷款转公积金贷款业务。成都市同日发布通知,针对购买和租赁保障性住房的缴存人,推出降低首付款比例、提高贷款额度等支持措施。 中指研究院统计显示,今年以来全国各城市优化公积金政策已超过180次,仅8月以来就有包括北京、广州、天津、苏州等在内的十 ...
住房公积金政策加码支持住房消费
Zheng Quan Ri Bao· 2025-08-21 16:26
中指研究院华南分院研究主管陈雪强认为,支持商转公贷款将减轻购房者住房贷款利息支出,降低购房者的购房成本,释 放社会消费需求,同时也进一步完善住房公积金制度,增强其对住房消费的支持作用。 除开展商转公贷款业务外,还有城市放宽商转公贷款业务年限。合肥市住房公积金管理中心8月13日发布的《关于放宽"商 转公"业务办理年限的通告》就明确,2025年8月20日起,可办理2021年12月31日(含)之前已发放的个人住房商业贷款转住房 公积金贷款业务,支持缴存人合理贷款需求,降低缴存人贷款成本。 近期,各地密集优化住房公积金政策,加大住房公积金支持力度,更好满足居民住房需求。除支持商转公贷款外,各地还 推出了提高住房公积金贷款额度等举措。 例如,成都住房公积金管理中心于8月21日发布《关于住房公积金支持缴存人购买和租赁保障性住房有关政策的通知》, 针对购买和租赁保障性住房的缴存人,提出降低首付款比例、提高贷款额度、支持又提又贷等举措。 本报记者 张芗逸 8月21日,广州正式施行《广州商业性个人住房贷款转住房公积金个人住房贷款实施办法(暂行)》(以下简称《办 法》)。 根据《办法》,符合在广州市开户并累计缴存住房公积金满60 ...
四川成都出台住房公积金新政 加大保障性住房支持力度
Zhong Guo Xin Wen Wang· 2025-08-21 13:09
8月21日,成都住房公积金管理委员会发布《关于住房公积金支持缴存人购买和租赁保障性住房有关政 策的通知》(成公积金委〔2025〕7号),推出六项重磅政策,从购房首付、贷款额度、资金提取等多方 面加大对保障性住房的支持,新政自2025年8月21日起正式施行。 据了解,此次新政亮点纷呈,直击缴存人购房租房痛点。在购房首付方面,购买保障性住房使用公积金 贷款的最低首付比例降至15%,大幅降低购房门槛。贷款额度迎来显著提升,单缴存人最高贷款额度从 60万元增至90万元,双缴存人从100万元提至150万元,基本可覆盖首付外的剩余购房款,且与多子女家 庭等其他额度上浮政策不叠加。 为缓解资金压力,新政推出"又提又贷"政策,缴存人购买保障性住房时,可同时提取公积金支付房款并 申请贷款,两者总额不超过房价。"代际互助机制进一步完善,缴存人可提取父母、子女、配偶的公积 金,其中本人及配偶购房5年内每月可提一次,父母子女符合条件的一年内可提一次。"成都住房公积金 管理中心政策管理部何彬称。 针对租购衔接需求,新政允许同一自然年度内,办理过租房提取的缴存人,当年购买保障性住房仍可申 请购房或还贷提取。租赁保障房的缴存人,连续缴存3 ...
多地住房公积金支持支付首付款
Zheng Quan Ri Bao· 2025-08-13 16:29
Core Viewpoint - The new policy introduced by the Tianjin Housing Provident Fund Management Center allows eligible contributors and their spouses to withdraw their housing provident fund to pay the down payment for purchasing existing homes, reflecting a broader trend of optimizing housing provident fund policies across various regions [1][2]. Group 1: Policy Changes - The new policy enables contributors to withdraw their provident fund amount prior to the signing of the purchase contract to pay the down payment, which can also be included in the loan amount for subsequent applications for housing provident fund loans [2]. - Over 30 regions, including major cities like Beijing, Shenzhen, Hangzhou, and Xi'an, have implemented similar policies to support down payment withdrawals from housing provident funds this year [2]. - The Beijing Housing and Urban-Rural Development Committee has also optimized its policies to allow contributors to withdraw funds for down payments while applying for provident fund loans [2][5]. Group 2: Impact on Housing Market - The support for withdrawing housing provident fund balances for down payments significantly lowers the barriers to home purchasing, particularly benefiting young individuals and new residents who may struggle with upfront costs [2][3]. - The optimization of housing provident fund policies is a key direction in real estate policy adjustments, aimed at enhancing the purchasing power of residents and improving living conditions for low- and middle-income families [3][4]. - The combination of housing provident fund policies with other real estate measures has contributed to a reduction in the decline of commercial housing sales area and a shorter inventory turnover period in core urban areas [5]. Group 3: Future Directions - Future policy optimizations may include enhancing support for rental scenarios and promoting a long-term mechanism for "rent-purchase connection" [5]. - The mutual recognition and lending model for housing provident funds in regions like the Greater Bay Area and Yangtze River Delta could be expanded nationwide to improve cross-regional service efficiency [5]. - The promotion of inter-city mutual recognition and lending of housing provident funds in cities like Shenzhen and Xi'an serves as a reference for other cities, potentially enhancing the ability of housing provident funds to meet the housing needs of more residents [5].
天津:购存量房可提取住房公积金支付首付款
Xin Jing Bao· 2025-08-13 11:03
Core Viewpoint - Tianjin's housing provident fund has introduced a new service allowing eligible contributors to withdraw funds for down payments on existing homes, aimed at better meeting housing consumption needs in the city [1] Group 1: New Policy Implementation - The new measure allows eligible contributors and their spouses to apply for a one-time withdrawal of housing provident fund amounts prior to the signing of the purchase contract to pay for down payments [1] - Eligible applicants must meet specific conditions, including purchasing existing homes through housing provident fund (combined) loans or mortgage loans within Tianjin's administrative area [1] Group 2: Conditions for Withdrawal - Applicants must conduct fund custody services with a commercial bank that handles the regulatory business of existing home transaction funds [1] - The custody bank must have established a network cooperation with the municipal housing provident fund management center [1]
天津推出购存量房提取住房公积金支付首付款新举措
Xin Lang Cai Jing· 2025-08-13 03:46
Core Points - Tianjin Housing Provident Fund Management Center has launched a new service allowing eligible contributors to withdraw their housing provident fund to pay the down payment for purchasing existing homes [1] Group 1: Application Conditions - Applicants must meet the following criteria to withdraw their housing provident fund for down payment: 1. Purchase existing homes within Tianjin using housing provident fund (combined) loans or mortgage loans [1] 2. Conduct fund custody services with a bank that handles existing home transaction fund supervision [1] 3. The custody bank must have a network cooperation with the municipal provident fund management center [1] Group 2: Processing Method - After signing the fund custody agreement with the bank, applicants need to provide the following documents: 1. Personal identification [2] 2. Fund custody agreement [2] 3. Application form for withdrawing housing provident fund for down payment [2] 4. Marriage certificate if withdrawing spouse's fund [2] - Upon approval, the bank will transfer the withdrawn funds to the agreed custody account, and after property registration, the funds will be transferred to the seller's account [2] Group 3: Convenience Advantages - Direct use of housing provident fund for down payment eliminates the need for reimbursement, reducing transaction costs [3] - "One-stop" processing allows applicants to handle the fund withdrawal and custody agreement at the same time, with 50 service points available for convenience [4] - Borrowers can choose their loan bank based on personal needs, not limited to the bank handling this service [5] - The amount withdrawn does not affect the calculation of the housing provident fund loan limit for the same property [6] Group 4: Processing Points - Construction Bank and Industrial and Commercial Bank have partnered with the center, and applicants can apply at designated branches [7]