Core Viewpoint - Recent housing provident fund policies have been implemented in multiple cities, aiming to enhance accessibility and streamline processes for homebuyers, particularly for those purchasing homes in different cities [1][2]. Group 1: Housing Provident Fund Cooperation - Six cities, including Shenzhen, Zhuhai, Shantou, Jiangmen, Chaozhou, and Jieyang, signed a cooperation agreement to promote the mutual recognition and communication of housing provident fund loans, allowing local employees to access the same loan amounts and property counts as local contributors when purchasing homes [2]. - The cooperation will focus on policy coordination, service collaboration, and data sharing to support the housing consumption needs of mobile workers and families buying homes in different locations [2][3]. - The initiative aims to create a "smart provident fund" service through digital transformation, enhancing the overall experience for users and contributing to a better living and working environment [3]. Group 2: Qingdao's Policy Adjustments - Qingdao has expanded its housing provident fund withdrawal policy, allowing funds to be used for down payments on second-hand homes, as well as new properties and affordable housing [4][5]. - The updated policy includes provisions for withdrawing funds for elevator renovations in existing residential buildings, enabling homeowners and their families to access funds for such improvements [5]. - The process for inheriting provident fund withdrawals has been simplified, allowing direct transfers to the accounts of deceased contributors' immediate relatives [5]. Group 3: Combating Fraudulent Withdrawals - Xuancheng has announced measures to combat fraudulent withdrawals from the housing provident fund, effective from July 1, 2025, requiring additional documentation for full-price purchases of existing homes [7]. - Specific conditions for withdrawal include cases where the withdrawal amount reaches 80% of the home's total price, previous fraudulent activities in the purchase area, or frequent transactions within the last six months [7]. - The notification outlines required proof of residence and payment documentation to ensure compliance and prevent fraudulent claims [8].

Core Viewpoint - Shenzhen has introduced measures to boost consumption and stabilize the housing market, following the national "Consumption Promotion Special Action Plan" released in March 2023 [1][2]. Group 1: Housing Fund Policy Adjustments - The "Shenzhen Consumption Promotion Special Action Implementation Plan" allows for the extraction of housing provident fund for down payments on homes within the city [1]. - Implementation details for using the housing fund for down payments are currently being drafted by the Shenzhen Housing and Construction Bureau [2]. - The maximum loan amount for individuals has been increased from 500,000 yuan to 600,000 yuan, and for families from 900,000 yuan to 1,100,000 yuan [2]. Group 2: Loan Rate and Support Measures - The plan includes a rise in the maximum floating rate for first-time home purchases from 20% to 40%, and for families with two or more children, the rate increases from 10% to 50% [3]. - The cumulative floating rate can reach up to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [3]. Group 3: Market Performance - From January to May 2023, new home sales in Shenzhen increased by 41% year-on-year, while second-hand home transactions rose by 44%, outperforming other first-tier cities [3]. Group 4: Rental Support and Talent Housing Policies - Starting November 1, 2025, the monthly withdrawal limit for housing provident fund for rent will increase from 65% to 80% of the monthly contribution [3]. - Shenzhen plans to implement housing support policies for young talents, aiming to enhance the multi-tiered rental housing supply structure [3][4]. - By the end of 2024, Shenzhen is expected to provide over 180,000 units of guaranteed housing for various talents [4].

Core Viewpoint - The Shenzhen government has officially released a plan to boost consumption, introducing 39 measures aimed at stimulating the housing market and supporting residents' housing needs [1] Group 1: Housing Policy Measures - The plan expands the use of housing provident fund, allowing eligible individuals to withdraw funds for down payments on homes within the city [1] - Implementation details for using the provident fund for down payments are currently being drafted by the Shenzhen Housing Construction Bureau [1] - Starting from November 1, 2025, individuals and their family members without housing in the city can withdraw up to 80% of their monthly contribution to the housing provident fund for rent, an increase from the previous 65% [1] Group 2: Support for Young Talent - The plan includes housing support policies for young talent, aiming to enhance the multi-tiered rental housing supply structure [1] - The initiative promotes the availability of more high-quality small-sized rental housing to meet the needs of young professionals [1]

日前，江苏省人民政府发布《关于印发江苏省实施提振消费专项行动若干措施的通知》，其中提到， 2025年新建改扩建80所义务教育学校；鼓励有条件的地方试行将"五一"前3个工作日、"国庆"前3个工作 日分别设置为中小学春假和秋假；加大租房以及建造、翻建、大修自住住房等提取住房公积金支持力 度，支持有条件的地方允许购房人父母、子女按规定提取住房公积金支付购房首付款，提高住房公积金 贷款额度、优化贷款条件；鼓励用人单位和职工通过集体协商确定灵活休假和弹性工作方式。推进落实 父母育儿假制度，鼓励夫妻共享育儿假等。(南京发布) ...

央视网消息：根据中国人民银行的公告，从8日起，个人住房公积金贷款利率正式下调0.25个百分点，此外，公开市场7天期逆回购操作利 率也下调0.1个百分点，预计将带动贷款市场报价利率（LPR）随之下行0.1个百分点。这将给房地产市场带来哪些影响？一起来看记者在北京 的采访。 在北京大兴区一个商品房项目，置业顾问正在给购房人付先生计算降息后房贷月供的变化。付先生之前看过一套110平方米左右的改善性 住房，总价大约在641万元左右，按照20%的首付计算，大约需要贷款513万元。 这个新房项目属于能耗较低的三星级绿色建筑，根据北京的政策，使用公积金贷款购买可将贷款额度上浮40万元。 多地加码住房公积金政策支持力度 激发楼市活力 北京住房公积金管理中心副主任李涛称："2025年5月8日以前发放的存量贷款利率从2026年1月1日起，按照新的政策利率进行执行，北京 公积中心将抓好存量政策的落实和增量政策的出台，进一步发挥住房公积金的作用。" 新闻链接：个人住房公积金贷款利率已处于历史最低位 这些年来，住房公积金政策一直在调整优化，目前，个人住房公积金贷款利率已处于历史最低位，一起通过一个短片来了解一下。 不只是贷款利率降低， ...

Core Viewpoint - The Chengdu Housing Provident Fund Management Center has issued a notice seeking opinions on policies to support contributors in purchasing and renting affordable housing, with a focus on increasing loan support [1] Group 1: Loan Support Policy - The minimum down payment ratio for purchasing affordable housing using housing provident fund loans will be set at 15% [1] - The maximum loan amount will be increased by 50%, raising the current limits from 600,000 yuan for single contributors and 1,000,000 yuan for dual contributors to 900,000 yuan and 1,500,000 yuan respectively [1]

Core Viewpoint - Changchun has optimized and adjusted certain housing provident fund policies to better meet the housing consumption needs of depositors and support the development of a modern urban area [1] Group 1: Policy Adjustments - The Changchun Housing Provident Fund Management Committee has made adjustments to loan and withdrawal policies [1] - For families with multiple children, the loan policy has been revised to allow a maximum loan amount to increase by 40% for those using the housing provident fund for the second time and raising two or more children [1]

Policy News - Sichuan has announced the cancellation of the distinction between ordinary and non-ordinary residential standards, allowing certain residential properties to enjoy land value-added tax exemption if the appreciation does not exceed 20% after deductions [1] - Hangzhou has introduced new policies to support employees in using housing provident funds for purchasing affordable housing, allowing withdrawals for down payments and rent payments [2] - Zhengzhou is seeking public opinion on adjusting the age limit for housing provident fund loans, extending the maximum loan term to 68 years for men and 63 years for women [3] - Xiamen has optimized its housing compensation policy, allowing residents to choose from a wider range of housing options, including new homes and second-hand properties [4] Market News - The People's Bank of China has maintained the 5-year and 1-year Loan Prime Rates (LPR) at 3.6% and 3.1% respectively, unchanged for five consecutive months [5] - In Hangzhou, two residential land parcels were sold for a total of 4.47 billion yuan, with an average premium rate of 63.7% [6] - Xiamen's land auction generated 8.829 billion yuan from four parcels, with the highest premium rate at 12.34% for the Wuyuanwan parcel [6] - Nanjing sold nine residential land parcels for a total of 8.463 billion yuan, with a premium rate of 7.1% for one competitive parcel [7] Company News - Binhai Group reported a net profit of 3.791 billion yuan for 2024, with a 32.94% year-on-year increase in revenue [8] - Shoukai Group's revenue for 2024 was 24.213 billion yuan, down 49.31% year-on-year, with a net loss of 8.141 billion yuan [8] - China Communications Real Estate plans to transfer its real estate development assets and liabilities to its controlling shareholder to shift towards a light asset operation model [8]

湖北孝感：住房公积金贷款最高额度提至60万元 金十数据4月21日讯，近日，湖北省孝感市正式实施住房公积金使用政策优化调整方案，推出12项惠民 新举措，涵盖贷款额度提升、首付比例降低、提取范围扩大等政策。新政对贷款额度普调，取消"首次 贷款"限制，市民为本人及子女、父母购房时，公积金贷款最高额度统一提升至60万元，特定群体贷款 额度优惠上浮最高至72万；首付门槛降低，二套房首付比例由30%降至20%，可贷比例提高至房款总额 的80%；提取范围扩容，新增"适儿化改造提取"，二孩及以上家庭最高可提10万元，同时适老化改造提 取额度提高至10万元。 （澎湃） ...

Core Points - Shenzhen Municipal Housing Provident Fund Management Committee has announced adjustments to housing loan and interest subsidy policies to better meet the housing needs of employees and enhance the protective role of the housing provident fund system [1][2] - The new policies will take effect on March 24, 2025 [1] Summary by Sections Loan Amount Adjustments - The maximum individual loan amount has been increased from 500,000 yuan to 600,000 yuan, and the maximum family loan amount has been raised from 900,000 yuan to 1,100,000 yuan [1] - The floating rate for purchasing the first home in Shenzhen has been increased from 20% to 40%, while the floating rate for families with multiple children has been raised from 10% to 50% [1] - The maximum floating rate can reach up to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [1] Dynamic Adjustment Mechanism - The dynamic adjustment mechanism will be optimized based on the previous year's housing provident fund loan rate, allowing for adjustments to the floating rate or suspension of the floating rate [1] Loan Accessibility Enhancements - The loanable amount has been increased from 14 times the account balance to 16 times, while still adhering to the maximum limits [2] - A new "loan repayment offset" service has been introduced, allowing employees to use both their and their spouse's provident fund account balances to offset the principal and interest of the housing loan [2] Policy for Non-Local Contributors - The restrictions on household registration and first home status for non-local contributors applying for housing loans in Shenzhen have been removed [3]