Core Viewpoint - Yulin City has introduced several supportive policies to enhance the inclusiveness and attractiveness of the housing provident fund system, particularly targeting flexible employment groups [1][2] Group 1: Policy Initiatives - Yulin City has launched the "Management Measures for Housing Provident Fund Contribution and Use for Flexible Employment Personnel" and the "Ten Beneficial Measures for Housing Provident Fund" [1] - The new policies aim to upgrade the housing provident fund service system by focusing on the needs of flexible employment groups [1] Group 2: Contribution and Subsidy Structure - The policies establish a framework consisting of "contribution support, subsidy incentives, loan increase, and withdrawal optimization" [1] - Flexible employment personnel can voluntarily contribute based on their circumstances, with contribution rates set between 10% and 24% [1] - An interest subsidy will be provided for contributions made after June 1, 2025, with an additional 0.6% annual interest rate for those who have contributed for 12 months without using loans or withdrawals [1] Group 3: Loan Policy Optimization - The calculation method for loan amounts has been adjusted to reflect longer contribution periods and higher contribution amounts [1] - The policies support flexible employment personnel in obtaining secondary housing provident fund loans and various loan combinations [1] Group 4: Rights Protection and Future Plans - Flexible employment personnel can change their employment status and continue their rights based on the new policies [2] - A new subsidy for recent university graduates has been established, and the housing provident fund withdrawal policy has been optimized [2] - Yulin City aims to simplify service processes through digital empowerment and hopes to create a replicable model known as the "Yulin Experience" for broader sharing of housing provident fund benefits [2]

Core Viewpoint - The new policies implemented by Enshi Prefecture aim to enhance the housing provident fund system, expanding its coverage and improving services to meet diverse housing needs, thereby injecting new momentum into housing welfare projects [1] Group 1: System Expansion - The new policies extend the coverage of the housing provident fund to grassroots levels, including non-public enterprises, community leaders, and flexible employment groups, ensuring comprehensive housing security [2] Group 2: Rental and Purchase Support - The new policies significantly increase the rental withdrawal limit for single employees to 18,000 yuan per year and for families with multiple children to 30,000 yuan, allowing for monthly flexible withdrawals and direct payment of rent [3] Group 3: Policy Relaxation - The new policies relax conditions for fund usage, allowing joint homebuyers beyond immediate relatives and extending the loan age limit to 68 for men and 63 for women, with an increased income-to-repayment ratio of 60% [4] Group 4: Innovation and Quality of Living - The new policies include the use of provident funds for purchasing "commercial-to-residential" properties and support for elderly and child-friendly renovations, with a maximum loan amount of 300,000 yuan for such projects [5] Group 5: Regional Collaboration - The new policies enhance cooperation with the Wuhan metropolitan area, allowing local employees to enjoy the highest loan limits when purchasing homes in that region, while eliminating residency restrictions for cross-regional homebuyers [6] Group 6: Service Improvement - The new policies aim to upgrade services by enhancing bank collaboration, creating flagship provident fund service centers, and increasing loan limits for individuals and specific groups such as veterans and PhD holders [7]