一线城市楼市新动作又成焦点。 日前，北京出台楼市新政，除放宽五环外限购政策外，加大了公积金贷款支持力度，包括优化首二套房 认定、提高二套房公积金贷款额度、降低二套房首付比例等。 "文件生效就可以（按照新规）做（贷款）了，主要是二套房受益比较大。"第一财经记者周一以购房者 身份咨询时，北京一国有大行工作人员表示，该行自上周六（8月9日）已开始执行新的住房公积金贷款 政策。 上周五（8月8日），北京市住房和城乡建设委员会、北京住房公积金管理中心发布《关于进一步优化调 整本市房地产相关政策的通知》（下称《通知》），一方面进一步优化五环外限购政策，另一方面加大 了住房公积金贷款支持力度。文件自8月9日起施行。 新规涉及公积金贷款的内容调整力度较大。首先是优化首二套房认定标准：《通知》称，住房公积金个 人住房贷款借款申请人（含共同申请人）在北京市无住房，且全国范围内无公积金贷款（含住房公积金 政策性贴息贷款）或使用过1次公积金贷款并已结清的，执行首套住房公积金贷款政策。 其次是提高二套住房公积金贷款额度：《通知》称，借款申请人使用公积金贷款购买二套住房的，最高 贷款额度为100万元，最低首付款比例不低于30%。 这也意 ...

Core Viewpoint - Beijing's recent policy adjustments aim to optimize real estate regulations and enhance housing loan support for residents, particularly through increased housing provident fund loan limits and reduced down payment requirements [1][2]. Group 1: Policy Adjustments - The new policy allows individuals without housing in Beijing and without previous provident fund loans to access first-home loan benefits [1]. - For second-home purchases, the maximum loan amount is set at 1 million yuan, with a minimum down payment of 30% [1]. - Borrowers can now obtain 150,000 yuan for each year of provident fund contributions, with a minimum calculation based on one full year of contributions [1]. Group 2: Impact on Borrowers - The new policy increases the loan amount available to borrowers, allowing for a potential increase of at least 250,000 yuan in total loan capacity [2]. - The down payment ratio for first-time homebuyers is reduced from 30%-35% to 20%, and the loan interest rate decreases from 3.075% to 2.6%, significantly lowering the cost of homeownership [2]. - For a 2 million yuan loan over 30 years, the interest savings amount to 182,000 yuan, with monthly repayments reduced by 506 yuan [2]. Group 3: Broader Market Implications - Over 30 cities, including Shenzhen and Hangzhou, have implemented similar policies to allow the use of provident fund withdrawals for down payments, indicating a trend towards easing housing purchase barriers [3]. - The adjustments are expected to enhance the purchasing power of homebuyers and may lead to further optimizations in provident fund policies, such as supporting "mortgage transfer" and increasing talent support [3].

Core Viewpoint - Beijing's new housing policy aims to optimize housing purchase restrictions and enhance housing provident fund support, particularly benefiting families with separated households and improving housing affordability [1][2][3]. Group 1: Housing Purchase Policy Adjustments - The new policy allows eligible families to purchase an unlimited number of properties outside the Fifth Ring Road in Beijing, including both new and second-hand homes [5][10]. - The existing purchase limits for properties within the Fifth Ring Road remain unchanged, with local residents allowed to buy up to two properties and non-local residents with a minimum of three years of social insurance or income tax payments allowed to buy one [5][10]. Group 2: Housing Provident Fund Support Enhancements - The policy expands the scope of first-home provident fund loans, allowing applicants with one cleared loan record nationwide to be classified as first-time buyers, potentially reducing down payment by up to 600,000 yuan and monthly payments by up to 253 yuan [7]. - The maximum loan limit for second-home provident fund loans is increased from 600,000 yuan to 1,000,000 yuan, with additional benefits for families meeting specific criteria, allowing for a total loan of up to 1,400,000 yuan [7]. - The annual loan limit per year of provident fund contribution is raised from 100,000 yuan to 150,000 yuan, reducing the required contribution period for a 1,200,000 yuan loan from over 11 years to about 7 years [8]. - The policy allows for simultaneous withdrawal of provident fund for down payments while applying for loans, easing the financial burden on homebuyers [8]. Group 3: Market Impact and Trends - The new policy is expected to support the ongoing positive trend in the housing market, with a significant increase in transactions observed in the first half of the year, including an 18.4% increase in second-hand home registrations and a 24.4% increase in new home sales [12]. - The adjustments are seen as necessary due to the shift in housing demand from rigid needs to more diverse improvement needs, particularly benefiting families with separated households [10][11].

Core Viewpoint - The housing provident fund policy is being optimized across various regions in China, with approximately 180 policy updates this year aimed at supporting multi-child families, flexible employment groups, and housing rental consumption, indicating a shift from traditional housing consumption support to a more comprehensive housing service approach [1][2][7]. Group 1: Support for Multi-Child Families - The housing provident fund has become a crucial tool for promoting consumer welfare and housing support, with specific measures introduced to assist multi-child families in purchasing homes [2][3]. - In Beijing, starting from October 2024, the loan limit for families with two or more children will increase by 400,000 yuan, reaching a maximum of 1.6 million yuan to better meet housing needs [2]. - Weifang City has also raised the maximum loan limit for multi-child families from 200,000 yuan to 300,000 yuan, allowing for a maximum loan of 1.3 million yuan for eligible applicants [2]. Group 2: Support for Housing Rental Consumption - The housing rental market is recognized as a key component of the real estate market, with projections indicating that the rental population in China could exceed 300 million by 2025 [4]. - Various regions have enhanced support for housing provident fund withdrawals for rental purposes, with Beijing expanding its rental payment model to include quarterly direct payments [4][5]. - In Xingtai City, the annual withdrawal limit for renters has been increased to 18,000 yuan, aligning with the rental standards for multi-child families [4]. Group 3: Meeting Diverse Housing Needs - Many regions are broadening the use of the housing provident fund to meet diverse housing demands, allowing withdrawals for down payments on both new and second-hand homes [6]. - Cities like Shanghai and Qingdao have permitted the use of the fund for updating old elevators and purchasing parking spaces, extending the fund's application beyond traditional housing [6]. - Collaborative efforts are underway to facilitate cross-city provident fund services, enhancing accessibility for users across different regions [6]. Group 4: Focus on Flexible Employment Groups - Flexible employment personnel are a key focus in optimizing housing provident fund policies, with measures introduced to lower the barriers for their participation in the fund [7]. - The age limit for flexible employment individuals to join the provident fund has been adjusted, and the minimum contribution period for loan applications has been reduced from 12 months to 6 months [7]. - These adjustments aim to better accommodate the housing needs of flexible employment groups, reflecting a broader trend of policy optimization since last September [7].

Core Viewpoint - The article emphasizes the acceleration of policies aimed at stabilizing the real estate market, particularly through urban renewal initiatives and the optimization of housing fund policies, which are seen as key measures to support market recovery [1][2][5]. Policy Trends - The optimization of housing fund policies remains the primary focus for stabilizing the market, with urban renewal and housing security policies being the second most frequently mentioned [2]. - In the past month, housing fund-related policies have been mentioned most frequently, including multi-child loan benefits, improved withdrawal methods, and reduced down payment ratios [3][5]. Central Government Actions - The Politburo meeting on July 30 emphasized the need for high-quality urban renewal and the acceleration of government bond issuance to improve funding efficiency [8]. - The establishment of the People's Bank of China's Macro-Prudential and Financial Stability Committee aims to enhance real estate financial management and support the construction of a new development model for the sector [8]. Local Government Initiatives - In the past week, 15 provinces and cities have issued 18 policies to stabilize the market, with notable urban renewal policies from cities like Shanghai and Xiamen [9][10]. - Xiamen's new guidelines allow for a maximum increase of 20% in building area for old residential community renovations, enhancing living conditions for residents [10]. - Other cities, such as Beijing and West Xi'an, are optimizing housing fund policies to support multi-child families and improve housing accessibility for various income groups [12]. Market Dynamics - The article highlights the importance of urban renewal and housing security as critical components for stabilizing housing demand, with local governments expected to accelerate these initiatives in the second half of the year [5][12].

Core Viewpoint - The article discusses the recent adjustments and optimizations in housing provident fund policies across various cities in China, aimed at enhancing housing security and reducing the cost of home purchases for residents [1][2][3]. Group 1: Policy Adjustments - Many cities have increased the loan limits and lowered the down payment ratios for second homes, expanding the coverage and applicability of the housing provident fund [1][2]. - In Shenzhen, the maximum loan amount has been raised to 2.31 million yuan, with the loan limit increasing from 14 times to 16 times the account balance, and the minimum down payment ratio set at 20% [2]. - Cities like Nanjing and Huai'an have also raised the maximum loan limits, with Huai'an increasing the limits to 840,000 yuan for single contributors and 1.2 million yuan for joint contributors [3]. Group 2: Expanded Coverage - New policies have broadened the scenarios for fund withdrawal, allowing for the use of provident funds for second-hand home purchases and other housing-related expenses [5][6]. - Qingdao has introduced a new policy allowing fund withdrawals for elevator upgrades in residential buildings, enhancing living conditions [6]. - The scope of inter-city loans has been expanded, with Nanjing extending the eligibility for loans to the entire Jiangsu province [6]. Group 3: Service Efficiency Improvements - Cities are leveraging technology to enhance service efficiency, with Shenzhen integrating AI and blockchain into housing provident fund services [7]. - Qingdao has streamlined the loan application process, reducing the processing time from 20 working days to under 6 days, improving efficiency by 70% [8]. - The introduction of a "housing provident fund payment" platform in Qingdao allows for real-time transfers for various housing expenses, improving convenience for users [8].

北京加大多子女家庭购房支持力度，上半年楼市平稳修复，二手房成交同比增18％ 华夏时报 7月31日，北京市人民政府办公厅印发了《北京市关于完善生育支持政策体系推动建设生育友好型社会 的工作措施》。其中，文件提到建立生育补贴制度等措施，并加大对多子女家庭购房支持力度。 今年上半年，北京楼市整体表现平稳，延续了2024年四季度的修复态势。其中，北京新房成交面积同比 增长3%，二手房成交套数同比增长18%。此外，多个优质新房项目入市，对北京楼市形成稳定支撑。 适时出台提高公积金贷款额度政策 文件显示，健全住房支持政策。多渠道增加保障性住房有效供给，未成年子女数量较多的家庭可纳入公 共租赁住房优先配租范围，并在户型选择方面给予适当照顾。同时，子女祖父母或外祖父母与子女父母 同时申请保障性住房的，优先考虑就近配租配售。 "北京进一步优化公积金政策有利于更好地促进住房消费需求的释放。公积金政策是各地优化政策的重 要抓手，预计各地将进一步优化公积金政策。此外，北京仍有政策优化空间，未来有望进一步调整相关 政策，提振市场信心。"中指研究院政策研究总监陈文静对《华夏时报》记者表示。 另外，多子女家庭租赁房屋并备案的，可按实际月租 ...

今年7月10日，北京印发《北京市深化改革提振消费专项行动方案》，其中明确要优化公积金政策，支 持缴存人在提取公积金支付首付的同时申请公积金住房贷款，研究制定公积金个人住房贷款"带押过 户"政策等等。 此次《工作措施》进一步提出，要针对多子女家庭优化公积金贷款政策。对此，中指研究院政策研究总 监陈文静向21世纪经济报道记者表示，预计后续将有进一步政策落地，提升多子女家庭公积金贷款额度 上限，进一步降低多子女家庭的购房成本，释放其住房需求。 健全住房支持政策是其中的重要方面。《工作措施》明确，多渠道增加保障性住房有效供给，未成年子 女数量较多的家庭可纳入公共租赁住房优先配租范围，并在户型选择方面给予适当照顾。子女祖父母或 外祖父母与子女父母同时申请保障性住房的，优先考虑就近配租配售。加大对多子女家庭购房的支持力 度，结合实际出台适当提高住房公积金贷款额度等政策。多子女家庭租赁房屋并备案的，可按实际月租 金提取公积金，不受月缴存额限制。 合硕机构首席分析师郭毅向21世纪经济报道记者表示，这是北京结合多子女家庭增加、子女与老人相伴 居住需求升温变化而作出的精确度更高的政策优化调整。虽然开发商已经在一些商品房项目上进行 ...

Core Viewpoint - Chengdu has introduced 17 new policies to stabilize the real estate market, responding to central government directives and adapting to local market conditions and buyer needs [1]. Group 1: Policy Measures - The new measures focus on four main areas: improving supply quality, meeting diverse demands, revitalizing existing stock, and leveraging the housing provident fund [1]. - The policies encourage local districts to adopt direct subsidies for down payments, marking a significant innovation in financial support for homebuyers [3]. - The measures promote urban renewal, including the renovation of urban villages and dilapidated housing, and expand the "housing ticket" system for compensation and relocation [4]. Group 2: Education and Housing Demand - The policies support conditional districts to allow guardians of school-age children to purchase new residential properties, facilitating school enrollment based on purchase contracts [5]. - This approach aims to stimulate housing demand by simplifying the process of securing school placements for families [5]. Group 3: Market Regulation Adjustments - The measures include a phased cancellation of housing sales restrictions, allowing properties purchased before October 14, 2024, to be listed for sale after obtaining property certificates [7][8]. - This adjustment is expected to activate the secondary market and meet the demand for improved housing options [7]. Group 4: Housing Provident Fund Adjustments - The policies enhance housing provident fund loan support, linking loan amounts to deposit balances and reducing the down payment for second homes from 30% to 20% [9]. - Additionally, the measures lower the entry barriers for flexible employment individuals to participate in the provident fund system, facilitating easier access to loans [9].

Core Viewpoint - The expansion of the housing provident fund's usage is aimed at supporting homebuyers by allowing them to withdraw funds for down payments while simultaneously applying for housing loans, which is seen as a significant policy optimization in the current real estate market [1][2]. Group 1: Policy Changes - Over 30 cities have implemented policies allowing the simultaneous withdrawal of provident funds for down payments and the application for housing loans, referred to as "both withdrawal and loan" [2]. - This new policy reduces the financial burden on homebuyers, allowing them to use their provident fund balances to cover part of the down payment, thus lowering the amount of personal funds required [2]. - In major cities like Beijing, Shenzhen, and Guangzhou, the use of provident funds for down payments has been officially confirmed, with expectations for Shanghai to follow suit [3]. Group 2: Market Impact - The total amount of housing provident fund contributions in 2024 is reported to be 36,317.83 billion yuan, a 4.67% increase from the previous year, indicating a growing pool of funds available for housing support [4]. - The implementation of the "mortgage transfer with existing loans" policy is expected to enhance the liquidity of the second-hand housing market by allowing transactions without the need to repay existing loans upfront [4][5]. - Since the beginning of 2023, over 150 policy optimizations related to the housing provident fund have been recorded across various cities, including major adjustments in down payment requirements and loan terms [6].