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]

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 ...

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].

Core Viewpoint - The Jinan Housing Provident Fund Center has announced an increase in the maximum loan limit for purchasing high-quality residential properties in the city, raising it from a 20% increase to a 30% increase over the current maximum loan limit [1] Group 1: Policy Changes - The maximum loan limit for purchasing high-quality residential properties is now set to increase by 30% [1] - The new policy allows for cumulative increases in loan limits for families with multiple children, high-level talents, or those purchasing existing homes [1] - The highest possible loan amount under this new policy is 1.7 million yuan [1]

下一步，市公积金中心将继续坚持人民至上发展理念，服务和融入我市经济社会发展大局，进一步优化完善政策、加大保障力度，帮助 更多群众实现住有所居、住有宜居。 在新闻发布会上，菏泽市住房公积金管理中心信贷科副科长王琪介绍了近期公积金中心出台的便民、惠民政策。 齐鲁晚报.齐鲁壹点周千清 一是优化贷款政策。降低首付比例，首套房、二套房和再交易住房首付比例统一为20%；提高最高贷款额度，将现房、高品质住宅、多 子女家庭等最高贷款额度提高至85万元，将高层次人才最高贷款额度提高至120万元；优化公积金贷款计算方法，在全省率先设定贷款保 底金额20万元；政策调整后户均贷款金额提高近5万元。二是放宽提取条件。支持提取住房公积金直付购房首付款，取消异地购房提取户 籍地、工作地限制，阶段性支持购房提取代际互助。截至2025年4月底，受益群众达1635人，提取住房公积金1.70亿元。三是下调贷款利 率。根据中国人民银行决定，2025年5月8日起，我市公积金贷款利率下调0.25个百分点，5年期以上首套房利率降为2.6%，其他期限的利 率同步调整。利率下调将直接减轻借款人利息负担，提升消费能力。四是开通商转公直转。2025年4月，市公积 ...

自上周个人住房公积金贷款利率宣布下调0.25个百分点以后，多个城市接连跟进落地，5年期以上首套房利率降至2.6%，多项政策给房地产市场带来积极影 响。 在上海，记者走访发现，随着住房公积金贷款利率下调，二手房成交量增长明显，根据上海市房地产交易中心数据显示，下调个人住房公积金贷款利率后的 首个周末，二手房日均网签成交量超过1000套。多家房地产中介门店的经纪人告诉记者，近期客户咨询量大幅度上升，看房意愿也在持续走高。 上海浦东新区某房地产经纪机构总监 陈辉：政策出来之后和政策出来之前对比的话，浏览量上浮了20%左右，带看量上浮了30%左右。 业内人士表示，新政对二手房市场有不小的刺激作用，特别是"以小换大"的改善型需求，近期增加明显。 上海某房屋交易服务中心高级经理 黄海建：这一周的成交，数据增长是非常显著的。置换的一些客户，他可能把一两套房子去换一套大房子，就是置换链 的一个打通。 不仅是二手房市场表现抢眼，新房市场的活跃度也不断提升。在北京，近期不少新房项目的咨询量、线下到访量也出现明显增大，部分项目到访量较新政前 增长了近一倍。最新数据显示，上周北京新建商品房网签1394套，成交面积约10.78万平方米 ...

Core Viewpoint - The Shandong province is implementing new housing provident fund policies to support housing consumption, including increasing loan limits, extending loan terms, and enhancing service efficiency [2][3] Group 1: Loan Limits - The average maximum loan amount for single contributors is 630,000 yuan, while for dual contributors it is 875,000 yuan, with families having multiple children eligible for an increase of over 20%, reaching an average of 1,100,000 yuan [2] - The highest loan limit among the 16 cities is in Zaozhuang at 1,600,000 yuan, followed by Qingdao and Linyi at 1,500,000 yuan [2] - Future measures include increasing the maximum loan limit for families with multiple children to over 30% and establishing a dynamic adjustment mechanism for loan limits based on housing prices and liquidity [2][3] Group 2: Coverage Expansion - The province aims to add over 100,000 new contributors from flexible employment this year, promoting the coverage of flexible contribution services across cities [2] Group 3: Service Optimization - A one-stop service platform for rental and withdrawal services will be established, allowing provident fund payments to be made directly to landlords, enhancing convenience for renters [3] - The maximum loan term is currently 30 years, with plans to extend the loan maturity age limit to 68 years for men and 63 years for women, or five years post-retirement age [3]

"工作人员帮我算了一笔账。从等额本息换成等额本金后，预计能省下近2万元利息，真的很实惠， 而且整个业务办理过程只用了5分钟！"办理完业务，刘鹤笑着说。 近日，延安市住房公积金管理中心推出"贷款缩期"和"还款方式变更"两项便民新业务，以更灵活的 还款方式满足不同市民的个性化需求。新政策一经推出，便引发市民广泛关注，许多借款人在了解政策 后纷纷提出办理申请。 "昨晚在公众号看到消息后，今天一大早就赶过来了。"4月24日，在延安市住房公积金管理中心服 务大厅，正在办理业务的市民刘鹤说，2023年，他在延安老城区贷款购置了一套住房，承受着不小的还 款压力。 据了解，新政策实施以来，延安市已有74名借款人办理了缩期业务，累计节省利息429.54万元。实 实在在的惠民举措，赢得了市民的广泛好评。 "这两项新业务是我们深化'三个年'活动的具体实践。我们将继续以群众需求为导向，推出更多惠 民政策，用心用情解决好群众的操心事、揪心事，为全市高质量发展贡献力量。"延安市住房公积金管 理中心市直科科长汪鑫表示。（通讯员：白雪） 延安市住房公积金管理中心工作人员介绍，公积金还款方式包括等额本息和等额本金两种。前者月 供固定，适合收入 ...

Core Viewpoint - The Guangdong Provincial Government has issued an implementation plan to boost consumption, focusing on better meeting housing consumption needs and enhancing the quality of housing construction [1] Group 1: Housing Policy Initiatives - The plan emphasizes the use of local government special bonds for capital policies to promote orderly urban village renovations under new models [1] - It aims to advance the renovation of old residential communities, with a target of starting the renovation of no less than 600 old communities by 2025 and updating 26,500 old residential elevators [1] - The initiative includes expanding the supply of affordable housing and utilizing special bonds to support the acquisition of existing commercial housing for affordable housing purposes [1] Group 2: Housing Quality and Standards - The plan calls for the implementation of the national "Residential Project Standards" to optimize housing construction standards, improve the quality of new commercial housing, and accelerate the construction of safe, comfortable, green, and smart homes [1] - Continuous optimization of housing provident fund usage policies is highlighted, allowing contributors to withdraw funds for down payments while applying for personal housing loans [1] - The plan also aims to enhance rental withdrawal policies and promote the participation of flexible employment individuals in the housing provident fund system pilot [1]

据克而瑞研究中心统计，一季度，全国至少66个省市出台124次稳楼市政策。其中，33省市公积金政策优化，降低购房门槛。 接受证券时报·券商中国记者采访的业内人士认为，住房公积金制度在提升缴存人住房支付能力、充分释放刚性和改善性住房需求、进而促进房地产市场止跌回稳方 面能够发挥重要作用，公积金政策的持续优化将是2025年各地政策优化的重要抓手。 近日，多地发布住房公积金新政。 4月10日， 海南 省调整优化住房公积金贷款政策，包括调整最高贷款额度、调整二套房存贷挂钩机制、调整贷款最低首付比例、统一异地贷款政策、实行最高贷款 额度与个贷率联动机制、具体贷款可贷金额核定等。 海南调整住房公积金政策 4月10日，海南省住房公积金管理局发布了《关于调整优化住房公积金个人住房贷款有关政策的通知》。 其中提出，对各住房类型最高贷款基准额度进行额度调整。 另外，近日， 济南、兰州 等多地也优化调整了住房公积金政策。 | | 表1 海南住房公积金最高贷款基准额度调整前后对比一览表 | | | | | --- | --- | --- | --- | --- | | | | | | (单位:万元) | | 类别 | 调整前 | | ...