住房公积金政策优化

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核减贷款次数、支持物业费提取……苏州发布公积金新政
券商中国· 2025-08-12 11:19
Core Viewpoint - Recent housing provident fund policies have been introduced in multiple regions, aimed at reducing the cost of home buying and enhancing the purchasing power of buyers, with expectations for further optimization in the future [2][8]. Group 1: Suzhou Housing Provident Fund Policy - On August 12, Suzhou announced new policies allowing eligible contributors to reduce loan counts, lowering the down payment ratio to 15%, expanding the scope for withdrawing funds for serious illnesses, and supporting the use of provident funds for property management fees [2][3]. - The new policy optimizes the recognition standards for housing provident fund loan usage, allowing families to reduce loan counts if they sell previously financed properties [4][6]. - The policy also allows for withdrawals for serious illnesses, permitting two withdrawals per year, with limits based on medical expenses, and supports property fee withdrawals under specific conditions [4][5][6]. Group 2: Beijing Housing Provident Fund Policy - On August 8, Beijing introduced policies to enhance housing provident fund support, including optimizing the recognition of first-time homebuyers and increasing loan limits for second homes [8][9]. - The new policy changes the first home recognition standard to "recognize house, not loan," allowing families with a cleared loan record to be classified as first-time buyers [9]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with potential increases for specific groups, and the down payment ratio has been standardized at 30% [9][10]. - Additionally, the annual loan limit based on contributions has been raised from 100,000 to 150,000 yuan, significantly reducing the time required to qualify for larger loans [9][10].
核减贷款次数、降低首付比例、支持物业费提取……苏州发布住房公积金新政
Zheng Quan Shi Bao· 2025-08-12 09:37
近日,多地发布住房公积金新政。 8月8日,北京发布楼市新政,其中从四方面加大公积金支持力度,包括优化首套房认定标准、提高二套房贷款额度并降低首付比例、提高年度缴存公积金 可贷额度、支持提取公积金付首付款的同时申请公积金贷款。 业内人士认为,公积金政策有利于降低购房者置业成本和购房门槛,增强购房者置业能力,未来公积金政策仍有进一步优化预期。 苏州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了《关于进一步扩大住房公积金使用范围的通知》,自9月1日起正式施行。 8月12日,苏州发布公积金新政,其中提出,符合条件缴存人家庭可核减贷款次数,降低首付款比例至15%,扩大患重病提取住房公积金范围,支持物业 费提取住房公积金。 其中提出,优化住房公积金贷款使用次数认定标准。缴存人家庭购买首套或第二套自住住房申请住房公积金贷款(不含"商转公"贷款),原住房公积金贷款 购买的住房已出售的,可核减相应贷款次数。 缴存人家庭核减贷款次数,须提供有房(无房)证明,原住房公积金贷款为本中心以外的单位发放的,另须提供原借款合同。 同时,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 ...
核减贷款次数、降低首付比例、支持物业费提取……苏州发布住房公积金新政
证券时报· 2025-08-12 09:32
Core Viewpoint - Recent housing provident fund policies in multiple cities aim to lower the cost of home buying and enhance the purchasing power of buyers, with expectations for further optimization in the future [2]. Group 1: Suzhou Housing Provident Fund Policy - On August 12, Suzhou announced new policies for housing provident funds, including reducing the down payment ratio to 15% for eligible families and allowing for the deduction of loan counts for families who have sold their previous homes [1][4]. - The policy expands the scope for withdrawing housing provident funds for serious illnesses and allows for the withdrawal of funds to pay property management fees [1][9]. - The new policy will take effect on September 1, and it includes provisions for families to apply for fund withdrawals under specific conditions [4][9]. Group 2: Beijing Housing Provident Fund Policy - On August 8, Beijing introduced new policies to enhance housing provident fund support, including optimizing the recognition standards for first-time homebuyers and increasing the loan limits for second homes [11][12]. - The maximum loan amount for second homes has been raised from 600,000 to 1,000,000 yuan, with additional allowances for green buildings and families with multiple children [13][14]. - The annual loan limit based on provident fund contributions has increased from 100,000 to 150,000 yuan, reducing the time required for borrowers to qualify for loans [14][15].
住房公积金政策“组合拳”释放利好 咨询、成交量增加 拉动市场新需求
Yang Shi Wang· 2025-08-11 08:05
央视网消息:8月8日晚,北京楼市再出新政,不仅限购政策迎来新一轮深度松绑,符合条件的居民家庭购买五环外商品住房不限套数,同时公 积金政策也进行了优化调整。新政出台后,市场反响怎么样?有哪些新变化? 北京楼市新政出台后的首个周末,记者在南五环外的一个楼盘看到,不少购房人正在向销售顾问了解情况。在现场记者发现,有几个销售顾问 和其他销售顾问着装有着明显的区别。 北京某楼盘销售经理尤静静介绍,8月8日晚上新政出台之后的话,他们就已经开始动起来。为了应对客流,他们从兄弟项目借调了3名置业顾 问。已经接待近百组客户,并且成交数量达到8套,这也是他们这两个月以来单日成交数量最高的,新政反响还是很不错的。 受政策调整影响,五环外的多个楼盘迎来了明显的客流增长。在售楼处,记者碰到了买房的朱女士,之前由于受到限购影响,她不能在五环外 再次购房。但8月8日晚上政策公布之后,她在五环外的购房套数将不再受到限制。 而在北五环外的另一个楼盘,销售顾问介绍,受到此次北京新政影响,一些之前还在犹豫的客户,在新政施行后立刻行动了起来,他们这个项 目周六一天就签了3单。 销售数据显示,2025年1—7月,北京新建商品住宅销售套数中,五环外占比 ...
北京最新发布:符合条件家庭在北京市五环外不再限制购房套数
Zheng Quan Shi Bao· 2025-08-08 13:47
Core Viewpoint - Beijing has announced new housing policies aimed at optimizing housing purchase restrictions and enhancing housing provident fund support, which are expected to benefit families with separated households and improve overall market conditions in the third quarter [1][2][10]. 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 [3][4]. - 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 three years of social insurance or tax payments allowed to buy one [3][4]. 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 payments by up to 600,000 yuan and monthly payments by 253 yuan [4][5]. - The maximum loan limit for second-home provident fund loans has been increased from 600,000 yuan to 1,000,000 yuan, with additional benefits for families meeting specific criteria [4][5]. - The annual loan limit per year of provident fund contribution has been raised from 100,000 yuan to 150,000 yuan, reducing the time required for borrowers to qualify for loans [5]. - The policy allows for simultaneous withdrawal of provident fund for down payments and loan applications, streamlining the purchasing process for new homes [6]. Market Impact and Trends - The adjustments are expected to cater to the growing demand for diverse housing needs, particularly for families with separated households, as the market shifts from rigid demand to more varied improvement needs [8][9]. - The new policies are anticipated to sustain the positive market trends observed in the first half of the year, with significant increases in both second-hand and new home transactions [10].
北京最新发布:符合条件家庭在北京市五环外不再限制购房套数
证券时报· 2025-08-08 13:33
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 overall 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, effective from August 9 [3]. - 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 three years of social insurance or tax payments allowed to buy one [3][6]. - The policy aims to guide demand towards the outer areas of Beijing, optimizing market inventory structure while maintaining basic purchase eligibility criteria [6][7]. Group 2: Housing Provident Fund Support Enhancements - The policy expands the scope of first-home provident fund loans, allowing borrowers 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 [3][4]. - 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 [4]. - The annual loan limit per year of provident fund contribution is raised from 100,000 yuan to 150,000 yuan, significantly reducing the time required for borrowers to qualify for loans [4]. - The policy allows for simultaneous withdrawal of provident fund for down payments while applying for loans, easing the financial burden on first-time buyers [4][7]. Group 3: Market Impact and Trends - The new policy is expected to sustain the positive market trends observed in the first half of the year, with a notable increase in second-hand and new home transactions [8]. - The housing market has shown signs of stabilization, with second-hand home transactions increasing by 18.4% and new home sales by 24.4% year-on-year [8].
重磅!北京优化住房限购政策!
Zheng Quan Ri Bao Wang· 2025-08-08 12:29
Core Viewpoint - The Beijing Municipal Housing and Urban-Rural Development Committee and the Beijing Housing Provident Fund Management Center issued a notification to optimize and adjust real estate policies, effective from August 9, 2025, allowing more flexibility in housing purchases for eligible residents [1] Group 1: Housing Purchase Policies - The notification optimizes housing purchase restrictions, allowing eligible residents (including local and certain non-local families) to purchase an unlimited number of properties outside the Fifth Ring Road [1] - Single adults are subject to the same purchase restrictions as resident families when buying properties [2] Group 2: Housing Provident Fund Support - The notification expands the scope of first-home provident fund loans, reclassifying certain borrowers with previous loan records from second-home to first-home status, potentially reducing down payments by up to 600,000 yuan and monthly payments by 253 yuan for a 4 million yuan property [3] - The maximum loan amount for second-home provident fund loans is increased from 600,000 yuan to 1 million yuan, with additional loan increases available under specific conditions, allowing for a maximum loan of 1.4 million yuan [3] - The minimum down payment ratio for second-home loans is standardized to 30%, regardless of location within or outside the Fifth Ring Road [3] Group 3: Loan Application Process - The notification increases the loan amount available per year of provident fund contribution 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 just over 7 years [4] - Borrowers can now withdraw provident fund for down payments while simultaneously applying for loans, streamlining the purchasing process for new homes [4]
北京解除五环外住房限购,五环内政策不变、京籍限购2套、非京籍1套
Sou Hu Cai Jing· 2025-08-08 11:21
出品|搜狐财经 作者|王泽红 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联合印发《关于进一步优化调整本市房地产 相关政策的通知》(以下简称《通知》),自8月9日起施行。 《通知》明确,符合北京市商品住房购买条件的居民家庭,购买五环外商品住房(含新建商品住房和二手住 房)不限套数。即:京籍居民家庭、在本市连续缴纳社会保险或个人所得税满2年及以上的非京籍居民家庭, 购买五环外商品住房不限套数。同时,《通知》明确,对成年单身人士在本市购买商品住房的,按照居民家庭 执行限购政策。 居民家庭购买五环内商品住房的政策不变,京籍居民家庭五环内限购2套,在本市连续缴纳社会保险或个人所 得税满3年及以上的非京籍居民家庭五环内限购1套。 此外,《通知》从四方面加大了住房公积金支持力度: 四是落实《北京市深化改革提振消费专项行动方案》,支持缴存人在提取公积金支付购房首付款的同时申请公 积金贷款。目前,缴存职工购买本市新建住房且已签订购房合同的,可通过提供网签合同编号提取住房公积金 支付购房首付款,同时申请公积金贷款。 一是扩大首套房公积金贷款支持范围,对借款申请人(含共同申请人,下同)在本市无住房但全国范围内有1 ...
提额度、扩场景、优服务—— 优化公积金政策精准惠民生
Jing Ji Ri Bao· 2025-08-03 21:56
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]. Policy Adjustments - Many cities have relaxed restrictions on the use of housing provident funds, making them more accessible and beneficial for residents [2][3]. - In March, Shenzhen increased the maximum loan amount to 2.31 million yuan and lowered the minimum down payment ratio to 20%, while also removing restrictions on loans for non-local residents [2]. - Other cities like Nanjing and Suzhou have also raised loan limits and expanded eligibility for fund withdrawals, with Nanjing extending the loan term from 20 to 30 years [3][6]. Coverage Expansion - Cities are broadening the scenarios in which provident funds can be withdrawn, including for second-hand homes and home renovations, thereby addressing diverse financial needs of residents [5][6]. - Qingdao has introduced new policies allowing fund withdrawals for elevator upgrades in residential buildings, enhancing living conditions [6]. - The expansion of loan eligibility and withdrawal scenarios aims to stimulate housing consumption and support the real estate market [5][6]. Service Efficiency Improvement - Various cities are leveraging technology to enhance the efficiency of housing provident fund services, such as integrating AI and blockchain for smoother transactions [7][8]. - Shenzhen has implemented a digital platform for real-time fund transfers, allowing residents to use their provident funds for various housing-related expenses [8]. - Qingdao has streamlined the loan application process, reducing processing times significantly, thus improving the overall user experience [8]. Conclusion - The adjustments in housing provident fund policies reflect a concerted effort by local governments to alleviate housing pressures and improve the living conditions of residents, while also aiming to stabilize the real estate market [1][2][3].
惠民生、促消费 多地优化住房公积金政策
Zheng Quan Ri Bao· 2025-08-01 16:11
Group 1: Core Policy Initiatives - Beijing's government has released measures to enhance the housing support policy for families with multiple children, including increasing housing provident fund loan limits [1][2] - From October 2024, Beijing will allow loans to increase by 400,000 yuan for families with two or more children, with maximum loan limits set at 1.6 million yuan for first homes and 1 million yuan for second homes [2] - Approximately 80 cities have optimized housing provident fund policies for families with multiple children this year, indicating a nationwide trend [4] Group 2: Support for Flexible Employment - Policies are also being adjusted to support flexible employment groups, with changes such as raising the age limit for participation in the housing provident fund and reducing the minimum contribution period for loan applications [4] - The adjustments aim to lower housing costs for flexible workers and stimulate market demand [4] Group 3: Rental Housing Support - The new measures also enhance support for rental housing consumption for families with multiple children, allowing them to withdraw provident funds based on actual rent without limits on monthly contributions [5] - Other cities, like Xingtai, have also increased rental withdrawal limits to 18,000 yuan per year for tenants of commercial housing [6] - These policies are expected to lower rental costs and promote housing consumption [6]