7月10日，北京市人民政府网站发布《北京市深化改革提振消费专项行动方案》（以下简称《方案》），其中提到将"优化住房消费新供给"，研究制定住房 公积金个人住房贷款"带押过户"政策。 来源：北京市人民政府网站 中指研究院政策研究总监陈文静向《每日经济新闻》记者表示，此次政策再次强调优先向轨道交通站点和就业密集地区供应住宅用地，有利于更好满足购房 者职住需求，也有助于开发企业打造符合市场需求的"好房子"。 住房公积金方面，《方案》指出，将进一步发挥住房公积金的促进作用，支持缴存人在提取住房公积金支付购房首付款的同时申请住房公积金个人住房贷 款。研究制定住房公积金个人住房贷款"带押过户"政策，并开展相关业务。 住宅用地供应方面，《方案》表示，将优先向轨道交通站点和就业密集地区供应住宅用地，完善"保障+市场"住房供应体系。 此外，《方案》还提到，鼓励提供房屋改造设计、定制化整装、智能化家居等产品和服务，推进室内全智能装配一体化和全屋智能物联。鼓励建设智慧社 区，探索"物业服务+生活服务"模式，发展社区嵌入式服务设施，实现"一刻钟便民生活圈"全覆盖。 （文章来源：每日经济新闻） 陈文静表示，今年以来，各地优化住房公积金政 ...

为深化国际消费中心城市建设，北京市人民政府7月10日印发《北京市深化改革提振消费专项行动方案》（下称《行动方案》），从推动居民增收减负、优化服 务消费体验、增强商品消费动能等六方面提出24条措施，着力优化消费供给，提升消费品质，优化消费环境，减少消费领域掣肘。 针对居民在购房、购车过程中的痛点，《行动方案》进一步优化了住房消费和汽车消费政策，支持住房公积金"既提又贷"，明确将优化小客车指标配置，有力畅通 消费循环。 《行动方案》要求力争到2030年，北京市市场总消费额年均增长5%左右，打造2～3个千亿级文商旅体融合消费新地标，在全球消费市场的辐射带动能力、资源配置 能力和创新引领能力进一步提升，国际消费中心城市建设取得新突破。 北京市商务局有关负责人指出，《行动方案》顺应消费升级趋势，把握消费热点需求，进一步优化升级消费供给。同时，《行动方案》突出改革创新，聚焦消费领 域裉节难点，激发市场活力。 支持住房公积金"既提又贷" "优化住房消费新供给"是本次《行动方案》的一大亮点。在具体举措上，《行动方案》要求优先向轨道交通站点和就业密集地区供应住宅用地，完善"保障+市场"住 房供应体系。为进一步发挥住房公积金促进 ...

7月10日，《北京市深化改革提振消费专项行动方案》对外发布，其中提到要优化住房消费新供给，优 先向轨道交通站点和就业密集地区供应住宅用地，完善"保障+市场"住房供应体系。同时，研究制定公 积金贷款"带押过户"。 这些政策对北京住房消费市场会有哪些影响？新京报记者采访了上海易居房地产研究院副院长严跃进。 优质住宅供给将促进市场需求释放 《方案》还提到，研究制定住房公积金个人住房贷款"带押过户"政策，并开展相关业务。什么是"带押 过户"？简单理解就是"将抵押贷款和房屋一起过户给下一个购房者"。 今年6月，北京住房公积金管理中心发布《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》，明确二手房买卖，解押和评估可同步进行。也就是说，以前二手房存在抵押的，需要把原来 的抵押解除才能进行抵押物评估并申请贷款。新政落地后，解押和申请公积金贷款可以同时进行。北京 推进落地住房公积金个人住房贷款"带押过户"，无疑将为二手房交易带来更多便利。 "过去二手房领域存在抵押，导致二手房交易的流程较为繁琐、交易周期长。"严跃进认为，"带押过 户"打破了传统二手房交易中卖方需先还清贷款才能过户的繁琐流程，减少交易环节和时间成 ...

A A H S M L E E J K 这样查更方便 嗯? · H · 我的公积金账户 怎么多了一笔钱? 公积金账 这是怎么回事? 收入:16 * 元 我是不是看错了? 手额:237 看看您的 积金有没有变化 不用疑惑, 这是你的公积金 年度结息到账了。 呵? VIL 公积金年度结息? v 根据相关规定,住房公积金自存入职工住房公积 金账户之日起按照国家规定的利率计息 · 结息日为每年的6月30日 · 结息年度为上年7月1日至本年6月30日 "中国建设银行"App 首页顶部搜索栏 搜索"公积金" 占去搜索讲入 以上内容为广告 如何查询收到了多少利息呢? * 建行手机银行来帮您 ← 掌上查询,信息清晰 操作指南 重点来了 ...

Core Viewpoint - Shanghai Yueshen Health Group plans to use surplus reserves of 72.85 million yuan and capital reserves of 141 million yuan, totaling 214 million yuan, to offset cumulative losses, resulting in a significant reduction of its reserves and a nearly 400% drop in net profit for 2024 [1][2][4]. Financial Summary - For 2024, the company reported revenue of 1.204 billion yuan, a year-on-year decrease of 5.79%, and a net profit attributable to shareholders of -147 million yuan, a staggering decline of 393.87% [4]. - The company has experienced negative net profits for three consecutive years, with cumulative losses exceeding 500 million yuan, indicating concerns over its core business's ability to generate profits [4]. - The company's operating cash flow also decreased by 33.48% year-on-year, amounting to 82.23 million yuan [4]. Business Transformation - Yueshen Health, originally focused on ceramic tiles, has been transitioning into the health sector since 2015, with its business now encompassing building materials, health services, and investment property leasing [5]. - The company’s building materials segment primarily focuses on high-end ceramic tile brand "Simik," while its health services include various care systems and training programs [5]. Loss Factors - The primary reasons for the company's losses include a decline in revenue from the ceramic tile business due to reduced market demand, increased competition, and rising costs [3]. - The company has also faced challenges related to the long investment cycle of its health projects and asset impairment losses, which have further exacerbated its financial difficulties [4].

最近，广州提振楼市政策又放大招，"商转公"政策即将落地。今年以来， 深圳、重庆、武 汉、合肥 等多个城市和地区，都在紧锣密鼓地推进"商转公"。 什么是"商转公"呢？简单说就是——高利率商业贷款可以换成利率较低的公积金贷款！核心在 于减轻购房者房贷压力。据测算，100万元商业贷款转为住房公积金贷款后，每月可减少约198 元月供，一年可节省约2376元，20年累计可节省4.7万多！ 那么，哪些人可以办理贷款"商转公"？ 从广州的情况来看，它设定了相当明确的条件。这其 中包括，申请商转公贷款时，原商业贷款已放款5年以上，而且已获得原商业贷款银行同意转 为纯公积金贷款；贷款房屋是产权人家庭在广州市的唯一住房；原商业贷款在申请前24个月内 没有逾期记录，以及在广州市开户并累计缴存住房公积金满60个月及以上等。从现有的条件来 看，广州的"商转公"政策还是存在一定门槛，并不是所有有意愿"商转公"的群体都能够满足条 件。 有专家提出，今年是房地产市场深度调整的"过渡期"。我们认为，为进一步稳定市场，部分城 市可能会进一步放宽限购、限贷政策，如果你属于多孩家庭、新市民等群体，那么更要密切关 注后续政策。 SFC 出品丨21财经 ...

Core Insights - The city’s public housing fund management center has implemented a series of policies aimed at enhancing the living conditions of residents through increased loan limits, improved efficiency, and reduced burdens [1][2][4] Group 1: Policy Implementation - As of the end of May, the total accumulated public housing fund contributions reached 850.7 billion, with 595.67 billion withdrawn, and a remaining balance of 255.03 billion [1] - A total of 457.06 billion in public housing loans has been issued to 193,600 households, with a loan balance of 162.25 billion, stimulating housing consumption by 22.56 million square meters [1] Group 2: Loan Limits and Interest Rates - The maximum public housing loan limits for individuals and families have been raised to 700,000 and 1 million respectively, with additional increments for families with multiple children [2] - Starting from May 8, the interest rates for first-time home loans have been reduced to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [2] - Existing public housing loan interest rates will automatically decrease starting January 1, 2026, benefiting all families with outstanding loans [2] Group 3: Service Enhancements - The introduction of a streamlined online service for public housing loans has significantly reduced processing times, with retirement-related services now taking approximately 10 minutes [3] - The "commercial to public" loan process has been optimized, with 416 cases processed since the upgrade, involving a total of 630,000 [3] Group 4: Accessibility and Convenience - The public housing fund center has expanded its service network to include six bank branches, enhancing accessibility for residents [4] - Integrated service points have been established in bank branches, allowing for comprehensive loan services, with 51 loan applications processed and 47 loans issued amounting to 18.91 million [4] - The "door-to-door" service initiative has reached 37 companies, assisting nearly 1,200 employees with policy information and support [5]

那么，哪些人可以办理贷款"商转公"？从广州的情况来看，它设定了相当明确的条件。这其中包括，申 请商转公贷款时，原商业贷款已放款5年以上，而且已获得原商业贷款银行同意转为纯公积金贷款；贷 款房屋是产权人家庭在广州市的唯一住房；原商业贷款在申请前24个月内没有逾期记录，以及在广州市 开户并累计缴存住房公积金满60个月及以上等。从现有的条件来看，广州的"商转公"政策还是存在一定 门槛，并不是所有有意愿"商转公"的群体都能够满足条件。 有专家分析，此前购房群体中，有相当一部分是通过纯商贷购房的，如2017年市场火热时，许多楼盘不 接受公积金贷款。如今，一些城市允许"商转公"，这部分人群就可以申请，而且公积金贷款利率要比商 业贷款利率低100-150个基点，这可是直接地为居民购房降成本、促消费。 不过需要注意的是，在申请"商转公"时，每个城市都设置了相应的条件和要求，已买房和准备买房的各 位，还得仔细看好所在城市的要求。如广州规定，当住房公积金个贷率低于75%时启动"商转公"，达到 85%及以上时采取管控措施，达到90%及以上时暂停。公积金个贷率是指个人住房贷款余额占住房公积 金缴存余额的比率，一般来说，公积金个贷率越 ...

Core Viewpoint - Shanghai Yueshen Health Group Co., Ltd. plans to use surplus reserves to cover losses, as the company reported a significant decline in net profit due to increased market competition and reduced sales prices of its products [1][2]. Group 1: Financial Adjustments - The company intends to utilize a total of 72,853,943.26 yuan from surplus reserves and 141,057,228.79 yuan from capital reserves to offset losses, resulting in a reduction of capital reserves to 176,595,527.02 yuan [1]. - As of December 31, 2024, the company's undistributed profits were reported at -0 yuan, indicating a complete depletion of retained earnings [1]. Group 2: Causes of Loss - The primary reasons for the company's losses include a slight decline in sales and intensified market competition, which led to a decrease in sales prices and gross margins of tile products [2]. - The company has also recognized potential impairment losses on assets, further exacerbating the cumulative loss [2]. Group 3: Notification to Creditors - The company has formally notified creditors of their rights to claim debts or request guarantees within 30 days of receiving the notice, or 45 days from the announcement date if no notice is received [2][3]. - Creditors must submit written requests along with relevant documentation to the company to assert their claims [2][3].

中指研究院监测数据显示，上半年各地调整公积金政策近150条，优化方向主要包括提高公积金贷款最 高额度、优化公积金贷款住房套数认定标准、延长还款期限、支持提取公积金用于首付、支持异地互认 互贷等。 例如，为减轻住房公积金缴存职工购房首付款支付压力，杭州住房公积金管理中心推出住房公积金直付 购房首付款业务，缴存职工在杭州市购买的新建商品房，可使用公积金直接直付购房首付款，且全程支 持线上办理。此外，西安市住建局等四部门此前联合印发12条楼市新政，其中公积金支持力度空前：加 大住房公积金支持，购新房可提取公积金支付购房首付款。 《全国住房公积金2024年年度报告》显示，2024年全国共有8127.04万人提取住房公积金27654.84亿元， 发放个人住房贷款230.56万笔、13043.07亿元。去年全年，2257.44万人提取住房公积金2720.57亿元用于 租赁住房，分别比上年增长22.28%和33.93%。广东省住房政策研究中心首席研究员李宇嘉表示，公积 金属地属性很强，地方自主权很高，加上低利率的特点，满足本地刚需改善的特征明显。楼市的需求主 体是刚需刚改群体，他们对房价、成本比较敏感。 有业内人士认为，允 ...