Core Viewpoint - The China Construction Bank (CCB) Guangxi Branch is committed to "finance for the people," focusing on innovative housing provident fund services, optimizing channel experiences, and promoting collaborative efforts with government entities to enhance the quality of housing provident fund services. Product Upgrades for Public Benefit - CCB Guangxi Branch has upgraded the "Jianyi Loan" product, specifically designed for housing provident fund contributors, introducing a 5-year "interest-first, principal-later" repayment method, increasing the self-payment limit to 500,000 yuan, and lowering the interest rate to a minimum of 3.0%. This combination of "low interest + long term + high limit" aims to meet diverse consumer needs such as home renovation, education, and medical expenses, effectively linking financial services with public demand [1][2]. Process Optimization for Efficiency - The CCB Guangxi Branch has established a "settlement and release" service system in collaboration with the local housing provident fund center, allowing customers to complete the release process without needing to visit multiple locations. This system enables customers to receive a release notification the day after completing their online repayment, significantly streamlining the process [3]. Channel Services with Care - The CCB Guangxi Branch has tailored channel services for flexible employment groups, introducing the "CCB Provident Fund Exclusive Benefits." Customers who deposit over 200 yuan receive a 30 yuan discount, and those who accumulate 2,000 yuan in deposits receive an additional 50 yuan reward. This initiative includes dedicated customer managers for consultation and reminders, enhancing the overall service experience [4]. Collaborative Mechanisms for Governance - The CCB Guangxi Branch has deepened its strategic cooperation with the local housing and urban-rural development department, establishing the "Jin Zhi Hui Zheng" mechanism to integrate financial services with government reforms. This initiative includes training sessions that cover digital reform and governance capacity enhancement, fostering a collaborative environment for improving public services [5][6].

Core Viewpoint - Wuhan has introduced new real estate policies aimed at stabilizing the housing market and enhancing support for families with multiple children, thereby stimulating housing demand [1][4]. Group 1: Policy Adjustments - The new policies include a subsidy of 60,000 yuan for families with two children and 120,000 yuan for families with three children purchasing new homes from May 1 to December 31, 2025 [4]. - The maximum loan limit for the second home using housing provident fund loans will be aligned with that of the first home, and support for converting rental payments into home purchases will be increased [4][5]. - The city plans to purchase 3,000 second-hand homes for various rental and resettlement purposes, promoting the "old for new" housing exchange [4]. Group 2: Financial Support and Incentives - From May 1 to December 31, 2025, individuals purchasing new commercial or office properties for non-business purposes will receive a 50% subsidy on the paid deed tax, with the minimum down payment for commercial loans reduced from 50% to 45% [5]. - The policies aim to enhance the service level of housing transactions through a "one-stop" service platform, facilitating online signing and mortgage processes [5]. Group 3: Broader Market Trends - Other cities, such as Kunming and Shaoguan, have also announced similar measures, including increasing the maximum housing provident fund loan limits and providing subsidies for families with multiple children [6][7]. - Qingdao has introduced a set of 12 new real estate policies, including subsidies for families with two and three children, and promoting low monthly payment housing loan products [7].

Core Viewpoint - Wuhan city is implementing various financial incentives and support measures to stabilize the real estate market and encourage home purchases, particularly for families with multiple children [1] Group 1: Housing Purchase Subsidies - Families with two children will receive a subsidy of 60,000 yuan, while families with three children will receive 120,000 yuan when purchasing new residential properties [1] - The subsidies are available for purchases made between May 1, 2025, and December 31, 2025 [1] Group 2: Housing Loan Policies - The maximum limit for the second personal housing provident fund loan will be aligned with that of the first home [1] - Commercial banks are encouraged to offer specialized housing loan products and diverse repayment methods for young people working and starting businesses in Wuhan [1] Group 3: Support for Second-Hand Housing - The city plans to purchase 3,000 second-hand homes to support various rental and resettlement housing initiatives [1] - There will be full tax reimbursement for families selling their own homes and purchasing new ones within specified timeframes [1] Group 4: Commercial Property Support - From May 1, 2025, to December 31, 2025, individuals purchasing new commercial or office properties for non-business purposes will receive a 50% tax reimbursement [1] - The minimum down payment for commercial loans will be reduced from 50% to 45%, with interest rates determined by banks based on risk management principles [1]

4月30日，昆明市住房公积金管理中心发布通知，2025年5月6日起，调整住房公积金贷款最高额度。最 高贷款基准额度：单缴存人家庭50万元、双缴存人家庭80万元调整为单缴存人家庭70万元、双缴存人家 庭100万元。根据原有政策规定，生育二孩、三孩的缴存人家庭购买首套自住住房的，住房公积金贷款 最高额度分别上浮20%、30%。按调整后的最高贷款基准额度计算的二孩、三孩缴存人家庭住房公积金 贷款最高额度为：二孩家庭：单缴存人家庭84万元，双缴存人家庭120万元；三孩家庭：单缴存人家庭 91万元，双缴存人家庭130万元。按调整后的最高贷款基准额度计算的昆明市"春城计划"人才住房公积 金贷款最高额度为：单缴存人家庭105万元，双缴存人家庭150万元。(智通财经) ...

浙江桐乡发放个人购房消费券 智通财经4月30日电，2025年4月30日起，分期有序发放购房消费券，总数200张，自领取之日起30天内 有效。凭购房消费券购买桐乡市域范围内新建商品住房的，可申请兑现(安置房、工抵房等不在此范围 内)。购房消费券兑现标准：购买面积90平方米以下新建商品住房的，可兑现2万元/套；面积90平方米 (含)以上至144平方米以下的，可兑现3万元/套；面积144平方米(含)以上的，可兑现4万元/套。面积以备 案的网签合同为准(兑现标准的面积是指新购入的新建商品住宅面积，不包含车库及储藏室等非住宅面 积)。针对2023年1月1日后首次引进桐乡市的各类人才在桐乡市域范围内购房的，凭购房合同(或房产证) 和购房全款发票享受总购房款50%的购房补助：(1)首次引进时为重点高校全日制本科生的，给予最高不 超过10万元的购房补助。(2)首次引进时为全日制硕士学位研究生(副高级职称、高级技师)的，给予最高 不超过25万元的购房补助。(3)首次引进时为全日制博士学位研究生(正高级职称、特级技师)的，给予最 高不超过50万元的购房补助。为支持缴存人刚性和改善性住房需求，减轻购房首付款压力，允许符合条 件的缴 ...

今年六月起，在上海灵活就业人员，将不再有户籍限制，可自愿缴存住房公积金，并按规定享有购房时申请公积金贷款等权利。 从上海市住房公积金管理委员会了解到，《上海市灵活就业人员自愿缴存、提取和使用住房公积金实施办法》已于日前印发，自2025年6月1日起施行。 和此前上海发布的相关文件相比，《上海市灵活就业人员自愿缴存、提取和使用住房公积金实施办法》覆盖的人群更广，涵盖了快递外卖行业的从业人员 等；取消了之前的上海户籍限制；取消了提取公积金的时间限制等。让更多灵活就业人员可以享受到住房公积金制度红利，在上海安居乐业。 具体来看，《实施办法》的主要内容包括： 一、自愿参加。年满 16 周岁且未达到法定退休年龄，在本市以个体经营、非全日制、新就业形态等方式灵活就业的人员，可以以个人身份，按照自愿原 则缴存，其缴存的住房公积金属于个人所有。不设户籍条件限制，在本市灵活就业的本市户籍人员、外省市户籍人员、港澳台居民以及外国人均可参加。 二、缴存灵活。灵活就业人员与市公积金中心签订协议，约定缴存金额、缴存方式、双方的权利和义务等内容。灵活就业人员可根据自身收入情况，在规 定范围内自行确定缴存基数，选择缴存比例。月缴存额等于缴存 ...

Group 1 - The company reported a revenue of 3.406 billion yuan for 2024, representing a year-on-year growth of 35.82% [1] - The net profit attributable to shareholders reached 1.023 billion yuan, showing a year-on-year increase of 41.40% [1] - The company's board approved a profit distribution plan, proposing a cash dividend of 5.5 yuan per 10 shares (tax included) and a capital reserve conversion of 4.9 shares for every 10 shares held [1]

同时，《实施办法》规定，灵活就业人员除因购房、租房、偿还住房贷款、退休等情形可以申请提取住 房公积金外，也可以根据个人生活需要，提取灵活就业期间缴存的住房公积金。 此外，《实施办法》还提及，灵活就业人员当前连续足额缴存住房公积金12个月及以上、申请贷款前6 个月的本市灵活就业缴存期内未发生过提取住房公积金，并符合本市公积金贷款一般条件的，可以申请 公积金贷款。如灵活就业人员属于多子女家庭且购买首套住房的，还可以享受公积金最高贷款额度上浮 的政策支持。 编辑 寇德娜 新京报贝壳财经讯 4月28日，上海住房公积金官网发布《上海市出台灵活就业人员自愿缴存、提取和使 用住房公积金实施办法》（简称"《实施办法》"），明确上海灵活就业人员自愿缴存住房公积金后，按 规定享有购房时申请公积金贷款等权利。 根据《实施办法》，年满16周岁且未达到法定退休年龄，在上海市以个体经营、非全日制、新就业形态 等方式灵活就业的人员，可以以个人身份，按照自愿原则缴存，其缴存的住房公积金属于个人所有。不 设户籍条件限制，在上海市灵活就业的本市户籍人员、外省市户籍人员、港澳台居民以及外国人均可参 加。 《实施办法》明确，灵活就业人员与上海市公积 ...

Core Points - The Shanghai Municipal Housing Provident Fund Management Committee announced the implementation of a new policy for flexible employment workers to voluntarily contribute to and withdraw from the housing provident fund starting June 1, 2025 [1] - The policy aims to allow flexible employment workers to enjoy the benefits of the housing provident fund system, facilitating their ability to apply for housing loans when purchasing homes [1] Group 1 - The new policy applies to individuals aged 16 and above who are engaged in flexible employment in Shanghai, including self-employment, part-time work, and new employment forms, without any household registration restrictions [1] - Flexible employment workers can determine their contribution base and choose a contribution rate between 10% and 24%, with a minimum monthly contribution of 270 yuan and a maximum of 8860 yuan based on the 2024 standards [2] - Contributions can be made monthly, quarterly, or semi-annually, and workers can suspend contributions if their income changes, with the option to resume contributions when conditions allow [2] Group 2 - The policy allows for easy transfer of housing provident fund accounts if flexible employment workers change jobs or move to other provinces, ensuring continuity of their contributions [2] - Workers can withdraw their housing provident fund for various reasons, including purchasing or renting a home, repaying housing loans, retirement, or personal needs during their flexible employment period [2] - To qualify for housing loans, flexible employment workers must have contributed to the housing provident fund for at least 12 consecutive months and meet other general conditions for housing loans in Shanghai [2]

《实施办法》提到，灵活就业人员与市公积金中心签订协议，约定缴存金额、缴存方式、双方的权利和义务等内容，可根据自身收入情况，在规定范围内 自行确定缴存基数，选择缴存比例。其中，缴存基数应不低于每个住房公积金年度(当年7月1日至次年6月30日)缴存基数下限，不高于缴存基数上限，缴 存比例不低于10%、不高于24%。按2024年度缴存标准，灵活就业人员月缴存额最低为270元，最高为8860元。 此外，灵活就业人员可以选择按月、按季、按半年缴存。缴存采用从个人银行卡定期扣款方式，如因收入发生变化不能正常缴存的，可以办理停缴。停缴 后重新具备缴存条件的，可以随时恢复缴存。 近年来，上海灵活就业人员群体规模不断扩大，为让灵活就业人员享受到住房公积金制度红利，《实施办法》明确上海市灵活就业人员自愿缴存住房公积 金后，按规定享有购房时申请公积金贷款等权利。 上海市公积金管理中心4月28日发布《上海市灵活就业人员自愿缴存、提取和使用住房公积金实施办法》(以下简称《实施办法》)。《实施办法》自2025 年6月1日起施行。 《实施办法》明确，年满16周岁且未达到法定退休年龄，在上海市以个体经营、非全日制、新就业形态等方式灵活就业的 ...