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住房公积金政策优化
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7月1日起沈阳住房公积金优化6项政策措施
news flash· 2025-06-26 07:08
Core Viewpoint - The article discusses the approval of six housing provident fund policy measures by the Shenyang Housing Provident Fund Management Committee, effective from July 1, 2025, aimed at optimizing housing loan conditions and supporting homebuyers [1] Policy Measures Summary - The minimum down payment ratio for housing provident fund loans will remain at 15% until December 31, 2025, extending the policy initially set to start in November 2024 [1] - Flexible employment contributors, out-of-town contributors, and active military personnel can convert personal housing commercial loans that have been repaid for five years or more into housing provident fund loans, with this policy effective until December 31, 2026 [1] - The loan limit for purchasing newly recognized high-quality residential properties using housing provident fund loans can be increased to 1.4 times the current maximum loan amount [1] - The calculation of the loan amount for unit-contributing employees will change from an account balance multiple of 22 times to 25 times, with similar adjustments for flexible employment contributors [1] - The time limit for withdrawing housing provident fund to pay the down payment has been extended from June 30, 2025, to December 31, 2026, and the processing time has been extended from August 31, 2025, to February 28, 2027 [1] - Graduates from ordinary universities, vocational colleges, and technical schools in Shenyang from 2024 to 2026 who start employment or entrepreneurship within two years of graduation and contribute to housing provident fund and pension insurance for over six months will receive a subsidy of 500 yuan per person for account opening [1]
沈阳优化公积金政策:将最低首付款比例期限延长至2025年12月31日
news flash· 2025-06-26 07:08
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]
多地拓展住房公积金使用范围 全方位活跃住房消费
Zheng Quan Ri Bao· 2025-06-24 16:25
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, ...
服务直达、秒批秒办、同城化……各地多措并举优化调整住房公积金政策
Yang Shi Wang· 2025-06-23 01:58
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].
一大波公积金新政刷屏,这些城市操作亮了
Mei Ri Jing Ji Xin Wen· 2025-06-22 22:43
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 ...
公积金都能怎么用?既提又贷 多地出台优化政策
Yang Shi Xin Wen· 2025-06-22 06:38
最近一段时间,多地调整住房公积金有关政策,致力于有效发挥住房公积金支持作用,对住房公积金有关政策进行优化。其中,北京等不少城市在贷款服务 方面持续提质增效,推出了更多的便民措施,方便缴存人办理相关业务。 公积金服务升级 近日,深圳与珠海、汕头、江门、潮州、揭阳5个城市住房公积金管理中心签署合作协议,实现缴存贷款信息互认,同时合作城市缴存职工在本地购房时, 贷款额度、房屋套数认定与本地职工一致,进一步推动广东省内异地使用住房公积金便利化,真正实现"钱随人走、服务同享"。 在此之前,深圳已与梅州、惠州、汕尾、东莞、中山建立了协同发展机制。 推出"电话贷款 服务直达" 打个电话就能申请公积金贷款。近日,北京住房公积金管理中心发布通知,推出了"电话贷款,服务直达"模式,如果购房想申请公积金贷款,只需要拨打 12329公积金热线,就会有受托银行专业人员电话指导申请人线上提交贷款申请,或者代办提交申请,后续业务也都不需要跑腿。记者了解到,新政刚施行 不久,就收到了不少咨询。 据了解,自去年4月起,北京住房公积金管理中心连续4次出台政策,涵盖降低首套房首付比例、延长贷款期限、精简办事材料等多方面内容,切实为缴存人 购房、租 ...
再度加码!淄博发布公积金贷款新政
Qi Lu Wan Bao Wang· 2025-06-18 08:43
齐鲁晚报.齐鲁壹点张文珂 6月18日,淄博市住房公积金管理中心发布的《关于优化我市部分住房公积金贷款政策的通知》(下称《通知》)显示,为贯彻落 省住建厅《山东省住房公积金促消费专项行动计划实施方案》有关工作要求,充分发挥住房公积金对稳市场促消费的作用,进 一步满足缴存人刚性和改善性住房需求,结合淄博实际,出台相关政策。 上调住房公积金最高贷款额度 购买首套房和二套房申请住房公积金贷款的,夫妻双方均连续正常缴存住房公积金的(含合力贷款),最高贷款额度由80万元上调 至100万元;仅一方连续正常缴存住房公积金的,最高贷款额度由60万元上调至70万元。 提高多子女家庭最高贷款额度上浮比例 在淄博购买首套或二套自住住房的多子女家庭申请住房公积金贷款的,最高贷款额度上浮比例由20%提高至30%。 多子女家庭购房、购买高品质住宅(含装配式住宅)、购买现房的,贷款额度上浮政策可叠加使用,叠加后最高可贷额度为160万 元。高层次人才维持原政策,最高贷款额度不做叠加,实际最高可贷额度为200万元。 示例1:以单缴存职工为例,在工资收入符合条件情况下,购买淄博高品质住宅且为现房销售的,执行新政策后,可最高申请91 万元(70万元 ...
住房公积金使用场景进一步拓宽 衡阳购买车库可提取公积金
Group 1 - Since May, multiple regions have adjusted housing provident fund policies, expanding the usage scope and increasing loan limits [1] - In Hengyang, Hunan Province, a new policy allows employees to withdraw housing provident funds for purchasing parking spaces in the same community as their homes, marking the first such initiative in the province [1] - The maximum loan amount for individuals or couples has increased from 800,000 yuan to 900,000 yuan [1] Group 2 - Shenzhen has released a plan to boost consumption, introducing 39 measures, including expanding the housing provident fund usage for down payments on homes [2] - Analysts believe that the expanded usage scenarios enhance the efficiency of the provident fund, better meeting the diverse financial needs of contributors [2] - Optimizing provident fund policies can effectively activate existing funds, providing greater support for homebuyers and promoting transaction activity in the real estate market [2]
深圳拟推新政,支持公积金支付购房首付款
Guan Cha Zhe Wang· 2025-06-09 08:04
2025年以来,全国越来越多的地方开始打出"组合拳",对住房公积金有关政策进行优化,以进一步发挥 住房公积金支持作用。 近日,深圳市发展和改革委员会正式公布《深圳市提振消费专项行动实施方案》(以下简称:实施方 案),推出39条措施提振消费。 其中,在租购房方面,《实施方案》提出,深圳扩大住房公积金使用范围,在本市范围内购买住房符合 条件的,可申请提取一次住房公积金用于支付购房首付款。 此外,《实施方案》还提出,缴存职工本人及家庭成员在本市范围内无住房,自2025年11月1日起两年 内提取住房公积金用于支付房租的,每月可提取额从申请当月应缴存额的65%提高至80%。同时,《实 施方案》还涉及青年人才住房支持政策,巩固和完善"一张床、一间房、一套房"多层次租赁住房供应结 构,推出更多高品质小户型保障性租赁住房。 6月9日,深圳市住房和建设局的相关消息则显示,当地公积金用于购房首付款的相关实施细则正在起草 当中。 值得注意的是,今年3月份,中共中央办公厅、国务院办公厅印发《提振消费专项行动方案》(以下简 称:方案),提出八部分共30条政策举措。其中,"更好满足住房消费需求"被写入大宗消费更新升级行 动,这也意味着住 ...
多地祭出公积金政策“组合拳” 提振住房消费再加码
Zheng Quan Ri Bao· 2025-06-08 17:16
Core Viewpoint - The Jiangsu Provincial Government has implemented measures to boost consumption, particularly in the housing sector, by allowing families to withdraw housing provident fund for down payments and increasing loan limits [1][2]. Group 1: Policy Changes - Jiangsu's new measures include allowing parents and children to withdraw housing provident funds for down payments and increasing loan limits for housing loans [1]. - Nearly 20 cities, including Changsha, Zhuhai, and Suzhou, have adjusted housing provident fund policies since May, expanding usage and increasing loan limits [1]. - Nantong has raised the maximum individual housing provident fund loan limit from 600,000 yuan to 700,000 yuan, and the household limit from 1.2 million yuan to 1.4 million yuan [1]. Group 2: Support for Talent and Young People - Changsha has increased the maximum loan limit for eligible young talents to 1.5 times the current limit [2]. - Nantong's policy also raises the maximum loan limit for high-level talents to 2.8 million yuan per household [1]. Group 3: Impact on Housing Market - The increase in housing provident fund loan limits is expected to significantly reduce the cost of home ownership for eligible buyers, positively impacting the real estate market [2]. - Cities like Shenzhen are expanding the use of housing provident funds for down payments, which is anticipated to alleviate financial pressure on homebuyers [2]. Group 4: Rental Support - Policies are also being enhanced to support the use of housing provident funds for rental payments, with Shenzhen increasing the monthly withdrawal limit from 65% to 80% of the contribution amount starting November 2025 [2]. - The 2024 National Housing Provident Fund Annual Report indicates a significant increase in the number of people using the fund for rental housing, with 22.28% more people and 33.93% more funds withdrawn compared to the previous year [3].