业务审核通过后，托管银行将提取资金划转至买卖双方约定的存量房屋交易资金托管账户中，买卖房屋 完成不动产登记后，托管银行将提取资金划转至买卖双方约定的出卖人收款账户中。 天津市住房公积金管理中心表示，该举措的便民优势是，不需"报销"，直接使用。直接使用住房公积金 账户金额支付首付款，填补自筹资金的不足，降低交易成本。同时，"一站式"办理，不用"多跑路"。在 银行网点签订资金托管协议同时办理提取存首付，50个办理网点任意选、就近办、当场办结。另外，贷 款银行按需选择，在哪贷款不受限制。购房人可结合自身需求选择贷款银行申请贷款，不限于此项业务 办理银行。此外，公积金贷款额度正常算，能贷多少不受影响。办理该业务后因购买同一套住房申请公 积金（组合）贷款的，已提取金额纳入贷款额度计算范围。 据了解，建行、工行已与天津市住房公积金管理中心开展业务合作，申请人可在建行、工行各区业务开 办网点申请购存量房支付首付款业务，办理该项业务可事先咨询银行。 （原标题：天津发布公积金新政：购存量房可提取付首付） 8月13日，天津发布住房公积金提取新政，推出购存量房提取公积金支付首付款新举措，符合条件的缴 存人及配偶可一次性申请提取购房 ...

Core Points - Suzhou has introduced a new housing provident fund policy that expands the usage scope of the fund, allowing it to be used for property management fees and severe illness treatment. The new policy will take effect on September 1 and is valid for two years [1][2] - The policy optimizes the recognition standards for housing provident fund loan usage, allowing families to reduce their loan usage count if they sell a property purchased with the fund. The down payment ratio for housing provident fund loans for first or second homes has been adjusted to a minimum of 15% of the total housing price [1][2] Group 1 - The new policy allows individuals to withdraw housing provident funds for severe illness treatment, with a limit of two withdrawals per year, not exceeding the sum of personal out-of-pocket and self-paid medical expenses [2] - Property management fees can also be paid using the housing provident fund, with a limit of one withdrawal per year, not exceeding the actual payment for one year of property management fees [2] Group 2 - The changes are expected to encourage families to upgrade their housing by reducing the restrictions on loan usage, thereby stimulating demand for improved housing [1]

《通知》明确，下调住房公积金贷款首付款比例：使用住房公积金贷款购买家庭首套或第二套自住住房 的，首付款比例调整为不低于住房总价的15%。 此外，《通知》指出，优化住房公积金贷款使用次数认定标准，支持物业费提取住房公积金。 8月12日，苏州市住房公积金管理中心发布《关于进一步扩大住房公积金使用范围的通知》(以下简称 《通知》)，通知自2025年9月1日起施行，有效期2年。 支持物业费提取住房公积金。 ...

Core Viewpoint - Beijing's housing policy has been adjusted to allow eligible families to purchase an unlimited number of properties outside the Fifth Ring Road, aiming to stimulate the real estate market and support homebuyers [1][2] Group 1: Policy Changes - Eligible families can now buy an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [1] - The purchase policy for properties within the Fifth Ring Road remains unchanged, with restrictions of two properties for Beijing residents and one for non-residents who have paid social insurance or income tax for over three years [1] Group 2: Housing Fund Support - The policy expands the scope of housing fund support for first-time homebuyers, allowing those with a cleared loan record nationwide to be recognized as first-time buyers, potentially reducing down payment by up to 600,000 yuan and monthly payments by 253 yuan [1][2] - The maximum loan amount for second homes has been increased from 600,000 yuan to 1 million yuan, and the minimum down payment ratio has been standardized to 30% for both Fifth Ring inner and outer properties [2] - The loan amount per year of housing fund contribution has been raised from 100,000 yuan to 150,000 yuan, reducing the required contribution period for a 1.2 million yuan loan from over 11 years to about 7 years [2] - The policy allows contributors to withdraw housing funds for down payments while simultaneously applying for housing loans, facilitating the purchase of newly built homes [2]

Core Viewpoint - Beijing's housing policy adjustments aim to promote a stable and healthy real estate market, enhance support for residents' housing needs, and effectively utilize market mechanisms [1] Policy Adjustments - The new policy allows eligible residents to purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [1] - Single adults will be subject to the same housing purchase restrictions as families [1] Housing Fund Loan Adjustments - Borrowers with no existing housing in Beijing and no prior public housing fund loans can apply for first-time housing fund loans [1] - The maximum loan amount for purchasing a second home using the housing fund is increased to 1 million yuan, with a minimum down payment of 30% [2][4] - The loan amount increases by 15,000 yuan for each year of housing fund contributions, with a minimum contribution period of one year considered for those with less [2] Implementation and Transition - The new policy will take effect on August 9, 2025, superseding any previous conflicting policies [3] - The criteria for recognizing housing loan eligibility have been optimized, with specific definitions for first and second homes [3] Financial Impact - For a property priced at 4 million yuan, transitioning from a second home loan to a first home loan can reduce the down payment by 600,000 yuan and monthly payments by 253 yuan [3] - The minimum down payment for properties is standardized to 30%, regardless of location [4] - The adjustment allows for a maximum loan of 1.6 million yuan for first-time homebuyers under certain conditions, including support for green building initiatives and multi-child families [4]

Core Viewpoint - The article discusses the recent policy adjustments in Beijing's real estate sector aimed at optimizing housing purchase conditions and increasing support for homebuyers, particularly focusing on the housing provident fund system [2][3]. Group 1: Policy Changes on Housing Purchases - The new policy allows eligible families to purchase an unlimited number of homes outside the Fifth Ring Road in Beijing, enhancing the ability to meet housing improvement needs and promote work-life balance [3]. - The existing purchase restrictions for families within the Fifth Ring Road remain unchanged, with local residents allowed to buy up to two homes and non-local residents with a minimum of three years of social insurance or income tax payments allowed to buy one home [3]. Group 2: Enhancements to Housing Provident Fund Support - The policy expands the scope of first-time homebuyer loans, reclassifying certain previously recognized second-home loans as first-home loans, which can significantly reduce down payment requirements and monthly payments [4]. - The maximum loan amount for second-home buyers has been increased from 600,000 yuan to 1,000,000 yuan, with additional loan amount increases available for those meeting specific criteria [4]. - The annual loan limit per year of provident fund contribution has been raised from 100,000 yuan to 150,000 yuan, allowing borrowers to qualify for loans more quickly [5]. - The policy facilitates the simultaneous withdrawal of provident funds for down payments while applying for loans, streamlining the purchasing process for new homes [5].

Core Viewpoint - The article discusses the new policies implemented by Beijing's housing authorities to optimize and adjust real estate regulations, effective from August 9, 2025, aimed at enhancing housing accessibility and supporting residents' housing needs [2][3][4]. Group 1: Policy Changes on Housing Purchases - Families meeting certain criteria will no longer face restrictions on the number of homes they can purchase outside the Fifth Ring Road in Beijing, promoting better living conditions and work-life balance [2]. - The existing purchase limits for families within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy up to 2 homes and non-Beijing residents with over 3 years of social insurance or income tax payments allowed to buy 1 home [2]. Group 2: Housing Fund Support Enhancements - The policy expands the scope of housing fund loans for first-time homebuyers, allowing those with a cleared loan record nationwide to be classified as first-time buyers, significantly reducing down payment requirements and monthly payments [3]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with potential additional increases for borrowers meeting specific criteria, allowing for a maximum loan of 1,400,000 yuan [3]. - The minimum down payment ratio for second home loans has been standardized to 30%, regardless of location, simplifying the borrowing process [3]. Group 3: Loan Amount Adjustments - The amount that can be borrowed per year of housing fund contribution has increased from 100,000 to 150,000 yuan, reducing the time required to accumulate sufficient contributions for larger loans [4]. - Borrowers can now apply for housing fund loans while simultaneously withdrawing funds for down payments, streamlining the purchasing process for new homes [4].

Core Viewpoint - The article discusses the new policies implemented by Beijing's housing authorities to optimize real estate regulations, effective from August 9, 2025, aimed at enhancing housing accessibility and supporting residents' housing needs [1]. Group 1: Housing Purchase Regulations - The new policy allows eligible families to purchase an unlimited number of homes outside the Fifth Ring Road in Beijing, addressing the demand for improved housing options [2]. - The existing purchase limits for homes within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy up to two homes and non-Beijing residents with a minimum of three years of social insurance or tax payments allowed to buy one home [2]. Group 2: Housing Fund Support - The policy expands the scope of housing fund loans for first-time homebuyers, reclassifying certain previously recognized second homes as first homes, which can significantly reduce down payment and monthly payment amounts [3]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with additional benefits for borrowers meeting specific criteria, allowing for a potential maximum loan of 1,400,000 yuan [3]. - The minimum down payment ratio for second home loans has been standardized to 30%, regardless of location, simplifying the borrowing process [3]. Group 3: Loan Amount Adjustments - The policy increases the loan amount available per year of housing fund contribution from 100,000 to 150,000 yuan, reducing the time required to qualify for larger loans [4]. - Borrowers can now apply for housing fund loans while simultaneously withdrawing funds for down payments, streamlining the purchasing process for new homes [4].

【1】温州优化调整住房公积金政策 8月6日，据温州发布官微消息，温州市对住房公积金多项业务政策进行了优化调整。公告显示，为支持 刚性和改善型住房需求，对住房公积金贷款政策进行了全面优化升级，职工夫妻双人缴存住房公积金的 家庭，最高贷款额度从100万元大幅提升至130万元；单人缴存家庭的最高贷款额度也由65万元提高到80 万元，大大增强了缴存职工的购房支付能力。 【2】中国海外发展7月销售额118.5亿元 【5】雅居乐7月预售金额合计5.2亿元 8月6日，雅居乐披露7月未经审核的经营简报。简报显示，7月雅居乐及其附属公司连同集团合营公司及 联营公司以及由集团管理并以"雅居乐"品牌销售的房地产项目预售金额合计约为5.2亿元，对应建筑面 积为5.9万平方米，平均价格约为8810元/平方米。 北京商报记者 王寅浩 李晗 【3】越秀地产7月销售额60.06亿元 8月6日，越秀地产披露7月未经审计的销售简报。简报显示，7月越秀地产实现合同销售(连同合营及联 营公司项目的合同销售)金额约为60.06亿元，同比上升约19.5%，实现合同销售面积约为17.42万平方 米，同比下降约18.9%。 【4】保利置业7月合同销售金额2 ...

Core Viewpoint - Jiangsu Taizhou has announced adjustments to housing provident fund policies, allowing for broader use of funds for down payments on new residential properties, including the acceptance of "housing vouchers" as a form of down payment [1] Group 1: Policy Adjustments - The scope for withdrawing housing provident fund account balances for down payments has been expanded to include not only the buyer and their spouse but also the buyer's parents and children [1] - The use of "housing vouchers" as down payment evidence for housing provident fund loans is now supported, with the amount being equivalent to the face value of the voucher [1] - The new policy will take effect on August 1, 2025, while applications for housing provident fund loans submitted before this date will still adhere to the previous regulations [1]