"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 | | ...

Core Viewpoint - The new housing provident fund policies in Shenzhen aim to enhance housing affordability and support for various demographics, particularly families with multiple children, by increasing loan limits and adjusting down payment requirements [1][4]. Summary by Sections Loan Limit Adjustments - The maximum loan amount for individuals has been increased from 500,000 to 600,000 yuan, and for families from 900,000 to 1,100,000 yuan [2]. - The floating limit for first-time home purchases has been raised from 20% to 40%, and for families with multiple children, from 10% to 50% [2]. - The cumulative floating limit can reach up to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [2]. Dynamic Adjustment Mechanism - The loan limit will be adjusted based on the previous year's housing provident fund loan rate, with a new maximum loan amount set at 16 times the account balance [3]. - The minimum down payment for second homes has been reduced from 30% to 20%, and for affordable housing from 20% to 15% [3]. Support for Multi-Child Families - Multi-child families can apply for first-time home loan benefits when purchasing a second home, including a 40% floating limit and a 50% increase for multiple children [4]. New Services and Flexibility - A new "loan repayment offset" service allows couples to use their combined provident fund balances to offset loan principal and interest [4]. - The restrictions on changing loan borrowers and mortgagors have been relaxed, allowing changes due to divorce or inheritance [4]. Accessibility for Non-Local Contributors - The policy now allows non-local contributors to apply for housing provident fund loans without restrictions on residency or first-time home purchases [5][6]. Interest Subsidy Adjustments - The interest subsidy rates have been increased: from 5% to 10% for contributors with 1 to 5 years of contributions, from 8% to 15% for 5 to 10 years, and from 12% to 20% for over 10 years [6]. Broader Policy Context - Over 380 cities have optimized their housing provident fund policies since last year, focusing on lowering down payment ratios and increasing loan limits [6].