Core Viewpoint - The Guangzhou Housing Provident Fund Management Center has proposed a draft for the implementation of converting commercial housing loans to housing provident fund loans, which aims to alleviate the repayment pressure on homebuyers amid significant interest rate differentials between commercial and provident fund loans [1][2]. Group 1: Policy Adjustments - The "commercial to provident fund" policy has been supported and optimized by approximately 20 cities, including Chongqing and Shenyang, this year [1]. - In addition to the "commercial to provident fund" policy, various cities have made adjustments to increase loan limits, support the withdrawal of provident funds for down payments, and extend repayment periods [2]. - Over 150 measures related to housing provident fund policies have been introduced this year, including support for inter-city recognition of provident funds [2]. Group 2: Market Impact - The real estate market has shown signs of improvement due to ongoing policy support, with a reported decline in new residential inventory to 463 million square meters as of May 2025 [2]. - The expected sales area of new residential properties in 2025 is projected to be around 900 million square meters, influenced by factors such as household income and the supply of second-hand homes [2]. Group 3: Future Outlook - The real estate market is anticipated to continue adjusting and optimizing, with potential further relaxation of purchase and loan restrictions in certain cities to support families with multiple children and new residents [3]. - The supply side is expected to accelerate the construction of affordable housing and promote urban renewal, contributing to the stable and healthy development of the real estate market [3].

Core Points - The article discusses the optimization of six housing provident fund policies in Shenyang to boost housing consumption starting from July 1 [1][2] - Key measures include an increase in loan limits based on account balance multiples and the introduction of a subsidy for graduates opening accounts [1][2] Group 1: Policy Changes - Shenyang has implemented a graduate account opening subsidy of 500 yuan for eligible graduates who start working in the city within two years after graduation [1] - The account balance multiple for calculating housing provident fund loan limits for employed workers has been increased from 22 times to 25 times, allowing for higher loan amounts [2] - The minimum down payment ratio for housing provident fund loans has been extended until December 31, 2023, with the previous deadline being November 2024 [2] Group 2: Loan Policy Expansion - The scope of the "commercial to public" loan policy has been expanded to include flexible employment contributors, out-of-town contributors, and active military personnel [2] - Borrowers can convert personal housing commercial loans that have been repaid for five years or more into housing provident fund loans [2] - For purchasing newly recognized high-quality residential properties using provident fund loans, the loan limit can be increased to 1.4 times the current maximum loan amount [2]

Core Viewpoint - The recent adjustments to housing provident fund policies in Jiangsu aim to expand coverage, relax usage conditions, and provide more convenient services for homebuyers [1][2][3]. Group 1: Policy Adjustments - Jiangsu has implemented new housing provident fund policies effective July 1, which include lowering down payment ratios, increasing loan limits, and optimizing the recognition of loan usage [1]. - In Yancheng, families can continue to apply for housing provident fund loans after repaying existing loans for purchasing improved self-occupied housing [1]. - In Yangzhou, the minimum down payment ratio for purchasing a second self-occupied home using housing provident fund loans has been relaxed to 20% [2]. Group 2: Loan Limits and Eligibility - The maximum loan limits for housing provident fund loans have been raised in several cities, with Huai'an increasing the limits to 840,000 yuan for single contributors and 1,200,000 yuan for joint contributors [1][2]. - Nanjing has expanded the scope of housing provident fund loans to cover the entire Jiangsu province, allowing for easier access to funds for home purchases outside the city [2]. - The age limit for loan applicants has been adjusted, with Yancheng raising the maximum age for male applicants to 63 and female applicants to 58, and extending the loan repayment period beyond retirement age [3]. Group 3: Support for Families - Families with two or more children can receive additional loan limits in Yangzhou, with increases of 30,000 yuan for second children and 50,000 yuan for third children [2]. - The policies support the extraction of housing provident funds for home purchases by family members, including parents and children, thereby broadening the eligibility for fund usage [5]. Group 4: Future Considerations - Experts suggest that the new policies will lower housing costs and support self-occupied housing demand, while also increasing buyer confidence [3]. - There is a call for further exploration of increasing support for the purchase of improved housing and green low-carbon residences [3]. - The disparity in housing provident fund resources across cities highlights the need for a more integrated approach to fund management, potentially through a national housing bank [4].

Core Viewpoint - Qingdao City Housing Provident Fund Management Center has announced an optimization and adjustment of housing provident fund loan policies, which includes changes to loan support limits, repayment ability coefficients, and enhanced support for multi-child families Group 1: Loan Policy Adjustments - The maximum loan amount for housing provident fund loans has been set at 1.7 million yuan after adjustments [1] - Multi-child families can benefit from increased loan limits when purchasing high-quality or green housing, with the maximum loan amount reaching 1.7 million yuan if both the borrower and spouse meet the application criteria; if only the borrower qualifies, the limit is 1.1 million yuan [1] - The repayment ability coefficient has been adjusted from 30% to 40%, which will increase the loan amount based on the borrower's monthly contribution [1] Group 2: Support for Multi-Child Families - Multi-child families who contribute to the housing provident fund from other locations can apply for a 30% increase in their loan limit when purchasing self-occupied housing in Qingdao [2] - For multi-child families purchasing a second self-occupied home in the district where the property is located, the loan will be recognized as a first home [2] - Recent policies in cities like Qingdao, Hangzhou, and Xi'an support the use of housing provident funds for down payments, indicating a trend towards optimizing the use of these funds nationally [2]

Core Viewpoint - The new housing provident fund policies implemented in Enshi Prefecture aim to optimize the use of funds and meet the diverse housing needs of contributors, with a significant focus on the comprehensive launch of the "commercial to public" loan program, which benefits many contributors [1][4]. Group 1: Loan Policy Innovations - The "commercial to public" loan program allows state contributors to convert their commercial loans into public loans, providing substantial support for families seeking improved housing [2]. - The program breaks geographical barriers, enabling contributors from outside the state to apply for "commercial to public" loans, thus extending benefits to more individuals [2]. - The new policies also allow for flexible repayment options, including automatic monthly withdrawals from provident fund accounts to cover loan repayments, simplifying the repayment process for contributors [2]. Group 2: Family Support and Repayment Assistance - The new policies support intergenerational assistance in repaying housing loans, allowing family members to be added as co-borrowers, enhancing the ability of families to support each other in housing consumption [3]. - For borrowers facing repayment difficulties, the new policies permit loan extensions under specific conditions, ensuring that the risks associated with provident fund loans remain manageable [3]. - The policies also allow for the release of one party from joint repayment obligations in the event of divorce, provided certain conditions are met, facilitating smoother transitions for borrowers [3]. Group 3: Impact on Housing Market and Quality of Life - The implementation of these new policies is a proactive response to public demand, aimed at reducing the housing burden on contributors and improving their living quality [4]. - The ongoing development and refinement of these policies are expected to play a crucial role in promoting the stable and healthy development of the real estate market and safeguarding public welfare in Enshi Prefecture [4].

经沈阳住房公积金管理委员会审议通过，2025年7月1日起优化6项住房公积金政策措施，将2024年11月 实施的住房公积金贷款最低首付款比例为15%的政策适用期限延长至2025年12月31日。灵活就业缴存 人、异地缴存职工和现役军人，可将已偿还5年（含）以上的个人住房商业贷款，转为住房公积金贷 款。政策有效期至2026年12月31日。住房公积金缴存人使用住房公积金贷款购买经认定新建高品质住宅 的，贷款上限可放宽到当期最高贷款额度的1.4倍。单位缴存职工住房公积金贷款额度计算中的账户余 额倍数由22倍调整为25倍。灵活就业人员账户余额倍数按照有关规定同步上调。职工提取住房公积金支 付购房首付款的购房时限由2025年6月30日延长至2026年12月31日，办理时限由2025年8月31日延长至 2027年2月28日。驻沈普通高校、职业院校、技工院校2024—2026年的应届毕业生，毕业两年内在沈就 业创业，首次以灵活就业人员身份连续缴存住房公积金及 养老保险费满六个月以上，给予500元/人的 开户补贴。 ...

Core Viewpoint - Shenyang is optimizing its housing provident fund policies to boost housing consumption, extending the minimum down payment ratio policy until December 31, 2025 [1] Group 1: Policy Changes - Starting July 1, Shenyang will implement six housing provident fund policy measures aimed at enhancing housing consumption [1] - The minimum down payment ratio for housing provident fund loans, initially set at 15%, will now be applicable until December 31, 2025 [1] - The "commercial to public" loan policy will be expanded to include flexible employment contributors, out-of-town contributors, and active military personnel, allowing them to convert personal housing commercial loans that have been repaid for five years or more into housing provident fund loans [1] Group 2: Impact on Borrowers - The policy changes are designed to provide basic housing rights protection for flexible employment contributors, out-of-town contributors, and active military personnel, thereby reducing their monthly payment burdens [1]

温州市住房公积金管理中心则在6月17日发布消息称，在温州市缴存住房公积金并在市行政区域内购买二手住房的购房人 及其配偶、父母、子女，可向购房所在地公积金管理机构申请提取个人住房公积金账户余额，用于支付购房首付款。 "对于许多有购房需求但存在首付压力的家庭而言，该政策将促进住房公积金成为首付资金的重要来源，有效缓解首付款 筹集压力，有助于促进住房消费的全方位活跃。"上海易居房地产研究院副院长严跃进分析称，目前支持住房公积金用于支付 购房首付款的城市不仅有深圳、杭州等一线、二线城市，也包括了丽水等三线、四线城市。这说明提取住房公积金用于首付的 政策正持续在全国范围内推进，是各地优化住房公积金政策、提振住房消费的重要方向。 本报记者 张芗逸 6月23日，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 积金直接支付购房首付款。 据《证券日报》记者统计，6月份以来，已有杭州、深圳、青岛、西安等7个城市拓展住房公积金使用范围，支持缴存人提 取住房公积金支付首付款。 例如，西安市住房和城乡建设局等四部门6月19日发布的《西安市关于促进房地产市场平稳健康发展的若干措施》提出， ...

Core Viewpoint - The article highlights the ongoing optimization and adjustment of housing provident fund policies across various cities in China, aimed at expanding the usage scope and reducing restrictions, with some cities increasing loan limits to support homebuyers [1][4][6]. Group 1: Policy Adjustments - Various cities in China are enhancing housing provident fund policies, including expanding the usage scope and reducing restrictions [1]. - In Beijing, a new "telephone loan service" has been introduced, allowing borrowers to connect directly with service points by calling the hotline, streamlining the loan process [3]. - Guangzhou's new policy allows contributors to withdraw housing provident funds for down payments while simultaneously applying for personal housing loans, alleviating financial pressure for homebuyers [6]. Group 2: Inter-City Cooperation - Shenzhen has signed cooperation agreements with several cities to enable mutual recognition of housing provident fund services, allowing local employees to enjoy the same loan limits and conditions as local residents when purchasing homes [7]. Group 3: Expanded Usage Scenarios - Shanghai has announced that starting July 1, residents can withdraw housing provident funds to cover their share of elevator renovation costs in residential buildings [8][10]. - Xiamen has implemented a "quick approval" process for withdrawing housing provident funds for elevator installations in old residential buildings, supporting both the individual and their spouse's parents [11]. - A national report indicated that last year, 65,300 individuals withdrew a total of 2.043 billion yuan from housing provident funds for home renovations, including elevator installations [12].

每日经济新闻资料图 近期，多地出台住房公积金优化政策，公积金的使用场景进一步拓宽。 6月20日，长沙市住房公积金管理委员会发布《关于调整住房公积金业务政策的通知》（以下简称《通知》），放宽住房公积金贷款条件，缴存时间要求 从12个月缩短至6个月，取消两次以上贷款记录限制。同时，取消提取次数限制，单身及异地缴存职工均可申请贷款。 6月19日，西安市住房和城乡建设局等多部门联合印发《西安市关于促进房地产市场平稳健康发展的若干措施》，其中提到，加大住房公积金支持，允许 公积金直接支付新建商品住房首付款。公积金异地贷款范围扩大至关中平原城市群及省内缴存职工。 6月份以来，北京、上海、广州、深圳、济南、青岛等地亦调整住房公积金相关政策，推出了更多便民措施，方便缴存人办理相关业务。除了传统的提高 贷款额度和放款提取要求等内容，各地的公积金政策越来越精细化。 愈发精细化和多元化 从长期来看，住房公积金政策越来越精细化和多元化，可以更大程度稳定居民的购房信心。 记者梳理各地近期发布的住房公积金政策发现，有些城市二手房纳入首付款提取范围；针对需要改造的住房，有些城市还允许提取公积金用于加装或更新 电梯，有城市推出"公积金直付房 ...