Core Viewpoint - The housing provident fund policy in Taizhou, Jiangsu Province has been adjusted to expand the scope of withdrawal for down payments and increase loan limits for home purchases [1] Summary by Relevant Categories Policy Adjustments - The scope for withdrawing housing provident fund account balances for down payments has been expanded to include not only the buyer and their spouse but also the buyer's parents and children [1] - The minimum loan amount for housing provident fund loans has been increased from 200,000 to 300,000 yuan [1] Loan Limits - The maximum loan limit for dual-income households has been raised from 1 million to 1.3 million yuan, while for single-income households, it has increased from 500,000 to 800,000 yuan [1] - For employees with a master's degree or higher, the maximum loan limit for dual-income households has been increased from 1.5 million to 1.8 million yuan, and for single-income households from 750,000 to 1.05 million yuan [1] - Families with two children can now borrow up to 1.7 million yuan for dual-income households and 1 million yuan for single-income households, while families with three children can borrow up to 1.9 million yuan for dual-income households and 1.1 million yuan for single-income households [1] Loan Terms - The maximum loan term for male employees has been extended to age 68, while for female employees, it has been extended to age 63, with certain exceptions allowing for an extension to age 68 for women with senior titles [1] - A 20% increase in loan limits is available for families selling their own homes in the city and purchasing new homes within one year [1] Use of "Housing Tickets" - "Housing tickets" can now be used as a down payment for housing provident fund loans, with the amount based on the face value of the ticket [1]

Group 1: Urban Development and Housing Policies - In the first half of the year, 16,500 old urban residential communities were newly started for renovation across the country, with six regions exceeding an 80% commencement rate [1] - Kunming has adjusted the recognition standards for personal housing loans under the housing provident fund, relaxing the criteria for first and second homes [3] - Jinan has announced an increase in the housing provident fund contribution base for the 2025 fiscal year, with a maximum monthly contribution base of 32,586 yuan and a minimum of 2,010 yuan [4] Group 2: Real Estate Transactions - A residential land parcel in Shunyi District, Beijing, has been officially listed with a starting price of 1.03 billion yuan, covering an area of approximately 23,000 square meters [2] - China Jinmao's wholly-owned subsidiary has issued medium-term notes amounting to 2 billion yuan, with a maturity of three years and a final coupon rate of 2.3% [5]

【1】广东明确小产权房不予登记 近日，广东省自然资源厅近日印发《关于加快解决国有建设用地上不动产登记若干历史遗留问题的指导 意见》（以下简称《意见》）。《意见》指出，要按照"缺什么补什么、谁审批谁负责"要求，坚持群众 无过错即办证，将建设单位责任与群众利益相分开，切实保障群众合法权益。 此外，《意见》明确严禁通过登记将违法用地或违法建设合法化，严禁将按正常报建手续办理的项目通 过历史遗留问题进行处理，对"小产权房"、违反永久基本农田和生态保护红线管控要求建设等情形，一 律不得登记。 【2】郑州上调住房公积金月缴存额上限 近日，郑州住房公积金管理中心发布通知称，调整2025年度住房公积金缴存基数和缴存比例。据悉， 2025年度郑州住房公积金月缴存基数上限为27520元，住房公积金月缴存额上限为6604元；住房公积金 月缴存基数下限为2100元，住房公积金月缴存额下限为210元。 【3】河南调整住房公积金月缴存额上限 近日，河南省省直机关住房资金管理中心发布关于核定2025年度省直住房公积金缴存比例和缴存基数的 通知。通知显示，河南省按照住房公积金月缴存基数原则上不得超过上一年度非私营企业在岗职工月平 均工资3倍 ...

Core Viewpoint - The Guangzhou Housing Provident Fund Management Center has proposed a draft regulation allowing the conversion of commercial housing loans into pure provident fund loans, aimed at easing the financial burden on borrowers and expanding the use of housing provident funds [1][6]. Summary by Sections Implementation of the Regulation - The draft regulation outlines the process for converting outstanding commercial housing loans into housing provident fund loans, referred to as "commercial-to-provident fund loans" [1]. - The conversion will be initiated when the housing provident fund loan rate is below 75%, with preventive measures in place if the individual loan rate reaches 85% or higher, and a suspension of conversions if it reaches 90% or above [1][6]. Application Conditions - Applicants must meet eight specific conditions, including: 1. The original commercial loan must be for a self-occupied property within Guangzhou [2]. 2. The original commercial loan must have been disbursed for at least five years and have the lender's consent for conversion [2]. 3. The applicant must be the borrower and the sole owner of the property [2][3]. 4. The property must have a real estate ownership certificate [3]. 5. The property must not have any additional mortgage registrations or legal restrictions [3][4]. 6. The property must be the only residence of the applicant's family in Guangzhou [4]. 7. The original commercial loan must not have any overdue records in the past 24 months [4]. 8. The applicant must have contributed to the housing provident fund for at least 60 months [5]. Loan Amount and Terms - The loan amount for the conversion will be determined based on the current housing provident fund loan policies and cannot exceed the lesser of the original commercial loan balance and 60% of the total purchase price [5][6]. - If the available loan amount is insufficient to cover the original loan's principal and interest, the borrower must supplement the funds [6]. - The loan term for the converted loan will align with the original commercial loan's remaining term, with a combined maximum of 30 years for both loans [6]. Interest Rates - The interest rate for the converted loan will follow the rates published by the People's Bank of China for housing provident fund loans, with adjustments made annually based on changes in the rate [6]. Market Context - Recent adjustments in housing provident fund policies across various regions indicate a trend towards broadening the use of these funds, particularly benefiting first-time homebuyers and those seeking to upgrade their housing [6].

Core Viewpoint - The article discusses the implementation of a new policy in Guangzhou allowing the conversion of commercial housing loans into pure public housing fund loans, aimed at easing the financial burden on homeowners and expanding the use of housing funds [2][10]. Summary by Sections Policy Announcement - On July 2, the Guangzhou Housing Provident Fund Management Center announced a draft for public consultation regarding the conversion of commercial housing loans to public housing loans [2]. Conversion Process - The conversion, referred to as "commercial to public loan" (商转公贷款), allows contributors to apply for the transfer of their outstanding commercial housing loan balance to a public housing loan [2]. Activation Conditions - The conversion process will be activated when the public housing loan rate is below 75%. Preventive measures will be taken when the individual loan rate reaches 85% or higher, including quota control and appointment applications, and will be suspended at 90% [2]. Application Requirements - Applicants must meet eight conditions, including: 1. The original commercial loan must be for a self-occupied residence within Guangzhou [2]. 2. The original commercial loan must have been disbursed for over 5 years and approved for conversion by the original bank [3]. 3. The applicant must be the borrower and the property owner, with no other co-owners except for spouse and minor children [4]. 4. The property must have a real estate ownership certificate [5]. 5. The property must not have any other mortgage registrations or legal restrictions [6]. 6. The property must be the only residence of the applicant's family in Guangzhou [7]. 7. The original commercial loan must not have any overdue records in the past 24 months [8]. 8. The applicant must have contributed to the housing fund for at least 60 months [9]. Loan Amount and Terms - The loan amount for the conversion will be determined based on the current public housing loan policy and cannot exceed the difference between the original commercial loan balance and the principal due in the next three months, capped at 60% of the total purchase price [10]. - If the available loan amount is insufficient to cover the original loan, the borrower must supplement the funds [11]. - The loan term will align with the public housing loan policy and cannot exceed the remaining term of the original commercial loan, with a total combined term not exceeding 30 years [11]. Interest Rate - The interest rate for the converted loan will follow the public housing loan rate set by the People's Bank of China, with adjustments made annually on January 1 if there are changes in the public housing loan rate [11]. Market Context - Recent adjustments in housing provident fund policies across various regions indicate a trend towards expanding the use of housing funds, particularly benefiting first-time buyers and those seeking to upgrade their housing [11].

Core Viewpoint - Multiple regions in China have introduced new housing provident fund policies aimed at optimizing loan support and enhancing housing affordability for residents [1][3]. Group 1: Shenyang Housing Provident Fund Policy - On June 26, Shenyang announced six optimization measures for its housing provident fund, effective from July 1, 2025 [4]. - The minimum down payment ratio policy has been extended until December 31, 2025, maintaining a minimum down payment of 15% [5]. - The "commercial to public" loan policy has been expanded to include flexible employment contributors, out-of-town contributors, and active military personnel, allowing them to convert commercial loans into housing provident fund loans if they have been repaid for five years or more, valid until December 31, 2026 [6]. - Support for high-quality residential properties has been increased, allowing loan limits for purchasing recognized new high-quality residences to be raised to 1.4 times the current maximum loan limit [7]. - The calculation multiplier for account balances in determining loan limits has been increased from 22 times to 25 times for unit-contributing employees, with similar adjustments for flexible employment contributors [8]. - The deadline for withdrawing provident funds for down payments has been extended to December 31, 2026, with processing deadlines pushed to February 28, 2027 [9]. - A subsidy incentive of 500 yuan per person will be provided for graduates from local universities who start contributing to the housing provident fund within two years of graduation [10]. Group 2: Qingdao Housing Provident Fund Policy - On June 26, Qingdao also announced adjustments to its housing provident fund loan policies to support housing needs [11]. - The maximum loan limit for multi-child families has been increased, with a cap of 1.7 million yuan for eligible applicants and 1.1 million yuan for single applicants [11]. - The repayment ability coefficient for calculating loan limits has been adjusted from 30% to 40%, enhancing the formula for determining loan amounts [11]. - Multi-child families with out-of-town contributions can have their loan limits increased by 30% when purchasing self-occupied housing in Qingdao, and second homes will be recognized as first homes for loan applications [12].

Core Viewpoint - The Changsha Housing Provident Fund Management Committee has announced adjustments to housing provident fund policies, effective June 23, 2025, aimed at relaxing certain loan conditions to facilitate access to housing loans [1] Group 1: Policy Adjustments - The requirement for applicants to have "12 months of continuous normal contributions" has been changed to "6 months of continuous normal contributions" [1] - The stipulation that "both the employee and their spouse must not have more than two records of provident fund loans" has been removed [1] - The rule stating that "if an employee applies for a provident fund loan within two years of divorce, any property still under the names of either party, regardless of whether it is allocated to the borrower, counts towards the household's housing unit count" has been eliminated [1]

Core Viewpoint - Changsha's Housing Provident Fund Management Committee has adjusted housing provident fund policies to make it easier for employees to obtain loans and increase loan limits for families with multiple children [1] Policy Adjustments - The requirement for "12 months of continuous normal contributions" has been changed to "6 months of continuous normal contributions" for loan eligibility [1] - The regulation stating that "both the employee and their spouse must not have more than two provident fund loan records" has been removed [1] - The rule that counted properties owned by divorced couples against the housing count for loan applications within two years of divorce has been eliminated [1] Loan Limit Increases - For families having a second or third child, the maximum loan amount for purchasing the first or second self-owned home will increase by 20% and 30% respectively, based on the current maximum loan limit [1] - Families meeting criteria for young talent or high-level talent in Changsha can have their loan limits increased, with the maximum increase not being cumulative [1] New Application Procedures - From the date of policy implementation, families purchasing their first self-owned home, specifically new commercial housing, can apply for both housing provident fund withdrawals and loans [1] - Single employees and those contributing from other locations can apply for provident fund loans when purchasing their first or second self-owned home [1] - The restriction on withdrawing housing provident funds for purchasing, building, renovating, or repairing a self-owned home after two previous withdrawals has been removed [1]

Core Viewpoint - The Changsha Housing Provident Fund Management Committee has announced adjustments to housing provident fund policies, aimed at easing loan conditions and supporting home purchases for various demographics, particularly young workers and families with multiple children [1] Group 1: Loan Policy Adjustments - The requirement for applicants to have "12 months of continuous normal contributions" has been relaxed to "6 months of continuous normal contributions" [1] - Single employees and those making contributions from other locations are now supported in applying for provident fund loans for their first or second home purchases, including new and second-hand properties [1] Group 2: Rental Support Measures - The frequency of rental withdrawals has been increased from once a year to once a month [1] - A new initiative allows for the direct payment of rent from the provident fund on a monthly basis, aimed at alleviating rental pressure for new employees [1] Group 3: Increased Loan Limits for Families - Families with two or three children purchasing their first or second home, specifically new properties, will see maximum loan limits increased by 20% and 30% respectively [1] - The maximum loan limits for families with two children are set at 960,000 yuan for new homes and 700,000 yuan for second-hand homes, while families with three children will have limits of 1,040,000 yuan and 800,000 yuan respectively [1] - These policy changes will take effect on June 23, 2025 [1]

Group 1 - The core viewpoint of the article is the introduction of measures by Xi'an to promote the stable and healthy development of the real estate market, including allowing the use of housing provident fund for down payments on newly built commercial housing [1] Group 2 - The housing provident fund can be directly used for down payments on newly built commercial housing, with specific conditions and limits for applicants, including the main buyer and their spouse [2] - Citizens can check their available balance for down payment through the "Xi'an Housing Provident Fund Management Center" WeChat official account [3] Group 3 - The process for withdrawing the provident fund for down payments includes submitting necessary documents and signing a specific authorization form starting from June 23 [4] - It is important for both the employee and the real estate company to return any withdrawn provident fund in case of contract cancellation, and penalties will be imposed for fraudulent activities [5] Group 4 - Xi'an has established mutual recognition and lending of housing provident funds with cities in the Guanzhong Plain urban agglomeration and other cities within the province, allowing employees to apply for provident fund loans when purchasing housing in Xi'an [6]