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 ...

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 Coverage Expansion - Cities are broadening the scenarios in which provident funds can be withdrawn, including for second-hand homes and home renovations, thereby addressing diverse financial needs of residents [5][6].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].

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]

Core Viewpoint - The Beijing Municipal Government has released a plan to optimize housing consumption and improve housing supply, including the introduction of a "mortgage transfer with lien" policy for housing provident fund loans [1][4]. Group 1: Housing Supply and Demand - The plan emphasizes prioritizing residential land supply near subway stations and employment hubs, which is expected to better meet the housing needs of buyers and assist developers in creating desirable housing [4]. - The housing provident fund will play a crucial role in supporting buyers by allowing them to withdraw funds for down payments while applying for housing loans [4][5]. Group 2: Policy Implementation and Impact - Over 150 adjustments to housing provident fund policies have been made across various cities this year, with over 30 cities implementing policies allowing the use of provident fund for down payments, which will lower the barriers for homebuyers [5]. - More than 20 cities have introduced policies related to "mortgage transfer with lien" for housing provident fund loans, indicating a trend that may extend to major cities like Beijing, enhancing the liquidity of second-hand housing transactions [5][6]. Group 3: Future Expectations and Innovations - The optimization of land supply and housing provident fund policies in Beijing is expected to stimulate housing demand and serve as a model for policy adjustments in other cities [6]. - The plan also encourages the development of smart community services and integrated living solutions, aiming to create a "15-minute convenient living circle" for residents [6].

Core Viewpoint - The Beijing Municipal Government has released the "Beijing Deepening Reform to Boost Consumption Special Action Plan," which aims to enhance housing consumption by optimizing supply policies, potentially serving as a model for other cities [1][2]. Group 1: Housing Supply Optimization - The action plan emphasizes the optimization of housing supply and housing provident fund policies to stimulate housing consumption demand [1]. - Major cities, including Chengdu and Beijing, are focusing on improving urban spatial structure and land use to enhance the quality of residential land supply [1][2]. - The plan prioritizes residential land supply near transportation hubs and employment centers, aiming to improve commuting efficiency and living standards [2]. Group 2: Land Auction and Financial Support - In the first half of 2025, land auction revenues in first-tier cities increased by 49.5%, while second-tier cities saw a 43.5% rise in land transfer fees [2]. - The action plan proposes to further leverage the housing provident fund to support homebuyers in making down payments and applying for housing loans [2][3]. Group 3: Policy Implementation and Market Impact - Over 30 cities, including Shenzhen and Hangzhou, have implemented policies allowing the use of housing provident funds for down payments, which lowers the entry barrier for homebuyers [3]. - The plan includes the development of a "mortgage transfer" policy for housing provident fund loans, which could streamline the transaction process for second-hand homes and enhance market liquidity [4]. - The introduction of the "mortgage transfer" policy in Beijing signals potential adoption by more first- and second-tier cities, indicating a trend towards optimizing housing loan policies [4].

Core Viewpoint - The housing provident fund, long dormant in depositors' accounts, is being activated by policies in multiple regions to redirect funds towards housing consumption, significantly accelerating the pace of policy implementation in major cities like Beijing, Shenzhen, and Hangzhou [1][3]. Policy Implementation - Major cities have recently introduced detailed regulations allowing depositors to directly withdraw their provident fund balances to pay for down payments on newly built commercial housing, aiming to lower the financial barriers for homebuyers and inject new demand into the real estate market [1][3]. - Over 150 optimizations of housing provident fund policies have been recorded nationwide this year, including adjustments to loan limits, relaxed withdrawal conditions, and mutual recognition of loans across regions [1][4]. Market Impact - The policies are seen as a core tool for stabilizing the real estate market, reducing the threshold for home purchases, and releasing reasonable demand, thereby providing sustained momentum for the market's recovery [1][4]. - The recent policy changes in cities like Guangzhou, Shenzhen, and Beijing are expected to stimulate housing consumption by allowing eligible buyers to use their provident fund for down payments, effectively lowering the financial pressure on homebuyers [3][4]. Policy Expansion - The continuous optimization of provident fund policies has created a trend of "high frequency and broad coverage," with over 150 policy adjustments made this year alone [4][6]. - The introduction of policies such as the "mortgage transfer with collateral" in Beijing is anticipated to enhance the liquidity of second-hand housing transactions, indicating a potential for further policy development in major cities [5][6]. Support for Diverse Groups - New measures have been introduced to support flexible employment individuals in contributing to the provident fund, allowing them to choose their contribution base and apply for housing loans, thus activating a previously untapped segment of homebuyers [6].

Market Data - As of July 10, the Shanghai Composite Index rose by 0.48% to 3509.68 points, while the ChiNext Index increased by 0.22% to 2189.58 points [1] - In the US, major stock indices saw slight gains, with the Dow Jones up 0.43% to 44650.64 points and the S&P 500 rising 0.27% to 6280.46 points, both reaching historical highs [1] - International oil prices fell on July 10, with light crude oil futures down by $1.81 to $66.57 per barrel, a decrease of 2.65%, and Brent crude down by $1.55 to $68.64 per barrel, a drop of 2.21% [1] Economic News - The Chinese government is set to increase the basic pension level for retirees starting January 1, 2025, with an overall adjustment level of 2% based on the average monthly pension of retirees by the end of 2024 [2] - The Ministry of Commerce confirmed ongoing high-level economic talks between China and the US, emphasizing the importance of mutual respect and cooperation to stabilize trade relations [3] - The Chinese government has implemented new procurement measures for medical devices imported from the EU, limiting the proportion of non-EU companies' products to 50% for contracts over 45 million yuan [4] - The China Securities Regulatory Commission highlighted the need to optimize capital market mechanisms, which has led to increased activity from private equity funds in acquiring listed companies [7] Industry Insights - The State Post Bureau reported that China's express delivery volume surpassed 1 billion packages by July 9, 2025, indicating a growing consumer market and increasing e-commerce penetration [6] - The China Association of Automobile Manufacturers announced that in the first half of the year, automobile production and sales exceeded 15 million units, reflecting a year-on-year growth of 12.5% and 11.4%, respectively [6] - Following the central government's push to expand the use of housing provident funds, Beijing has introduced new policies to stimulate housing consumption, including "both withdrawal and loan" options [7]

Core Viewpoint - The Beijing Municipal Government has released a plan to enhance housing consumption by optimizing housing supply and implementing a "mortgage transfer with collateral" policy for housing provident fund loans [1][4]. Group 1: Housing Supply Optimization - The plan prioritizes the supply of residential land near subway stations and employment-intensive areas, aiming to better meet the housing needs of buyers [4]. - The housing supply system will be improved by integrating "guaranteed + market" housing supply mechanisms [1]. Group 2: Housing Provident Fund Policies - The plan aims to enhance the role of the housing provident fund by allowing contributors to withdraw funds for down payments while applying for housing loans [4]. - Over 150 adjustments to housing provident fund policies have been made across various cities this year, including major cities like Shenzhen and Guangzhou [5]. - More than 30 cities have introduced policies allowing the use of housing provident fund withdrawals for down payments, which is expected to lower the threshold for homebuyers [5]. Group 3: Market Impact and Future Expectations - The optimization of housing supply and provident fund policies in Beijing is expected to stimulate housing consumption and serve as a model for policy adjustments in other cities [6]. - Future adjustments may include increasing loan limits, supporting withdrawals for down payments, extending repayment periods, and enhancing support for non-local contributors and flexible employment [6]. - The plan also encourages the development of smart community services and integrated living solutions, aiming for a comprehensive "15-minute convenient living circle" [6].

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]