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 ...

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 ...

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]

江苏徐州市住房公积金管理中心发布《关于优化调整住房公积金有关政策的通知》，自2025年6月1日起 实施。其中提到，允许灵活就业人员补缴住房公积金。凡在徐州市正常缴存住房公积金的灵活就业人 员，可以自个人账户设立之日起一次或多次自愿补缴住房公积金。补缴金额与已缴存金额之和不超过规 定上限，可一并纳入贷款额度测算范围，实现快贷多贷。缴存人还清住房公积金贷款后，在徐州市购买 改善性自住住房申请住房公积金贷款，不受贷款次数限制。凡住房公积金缴存在长三角地区，在徐州市 购买自住住房或已办理个人住房商业贷款，且符合我市贷款条件的，均可在徐州市办理住房公积金贷款 或组合贷款。缴存职工购买徐州市新建商品住房的，在签订商品房买卖合同后，购房人本人、配偶及直 系亲属（父母、子女）即可申请提取住房公积金用于支付购房首付款。 ...

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]