（来源：安庆新闻网） 转自：安庆新闻网 为更好满足缴存人刚性和改善性住房需求，8月20日起，合肥市住房公积金管理委员会办公室对《关于 调整我市个人住房公积金贷款额度的通知(征求意见稿)》(以下简称《征求意见稿》)公开征求社会各界 意见。 根据《征求意见稿》，个人住房公积金最高贷款额度拟普遍上调，其中，多子女家庭购买首套住房，夫 妻双方正常缴存的，住房公积金最高可贷额度拟调整至144万元。 按照《征求意见稿》，我市将适时调整优化住房公积金政策，拟对个人住房公积金最高贷款额度进行调 整。夫妻双方正常缴存的，住房公积金最高可贷额度由100万元调整为120万元;借款人单方正常缴存 的，住房公积金最高可贷额度由70万元调整为90万元，均增加20万元的可贷额度。 多子女家庭购买首套住房，夫妻双方正常缴存的，住房公积金最高可贷额度由120万元调整为144万元; 借款人单方正常缴存的，住房公积金最高可贷额度由84万元调整为108万元，均增加了24万元的可贷额 度。 记者了解到，"商转公"贷款也在此次政策的调整范围之内。若政策发布时已受理且尚未发放的住房公积 金贷款，允许申请人撤销贷款后按新政策重新办理。 因该政策早日出台有利 ...

Core Points - Suzhou has introduced a new housing provident fund policy that expands the usage scope of the fund, allowing it to be used for property management fees and severe illness treatment. The new policy will take effect on September 1 and is valid for two years [1][2] - The policy optimizes the recognition standards for housing provident fund loan usage, allowing families to reduce their loan usage count if they sell a property purchased with the fund. The down payment ratio for housing provident fund loans for first or second homes has been adjusted to a minimum of 15% of the total housing price [1][2] Group 1 - The new policy allows individuals to withdraw housing provident funds for severe illness treatment, with a limit of two withdrawals per year, not exceeding the sum of personal out-of-pocket and self-paid medical expenses [2] - Property management fees can also be paid using the housing provident fund, with a limit of one withdrawal per year, not exceeding the actual payment for one year of property management fees [2] Group 2 - The changes are expected to encourage families to upgrade their housing by reducing the restrictions on loan usage, thereby stimulating demand for improved housing [1]

Core Viewpoint - Beijing's housing policy has been adjusted to allow eligible families to purchase an unlimited number of properties outside the Fifth Ring Road, aiming to stimulate the real estate market and support homebuyers [1][2] Group 1: Policy Changes - Eligible families can now buy an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [1] - The purchase policy for properties within the Fifth Ring Road remains unchanged, with restrictions of two properties for Beijing residents and one for non-residents who have paid social insurance or income tax for over three years [1] Group 2: Housing Fund Support - The policy expands the scope of housing fund support for first-time homebuyers, allowing those with a cleared loan record nationwide to be recognized as first-time buyers, potentially reducing down payment by up to 600,000 yuan and monthly payments by 253 yuan [1][2] - The maximum loan amount for second homes has been increased from 600,000 yuan to 1 million yuan, and the minimum down payment ratio has been standardized to 30% for both Fifth Ring inner and outer properties [2] - The loan amount per year of housing fund contribution has been raised from 100,000 yuan to 150,000 yuan, reducing the required contribution period for a 1.2 million yuan loan from over 11 years to about 7 years [2] - The policy allows contributors to withdraw housing funds for down payments while simultaneously applying for housing loans, facilitating the purchase of newly built homes [2]

Core Viewpoint - Beijing's housing policy adjustments aim to promote a stable and healthy real estate market, enhance support for residents' housing needs, and effectively utilize market mechanisms [1] Policy Adjustments - The new policy allows eligible residents to purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [1] - Single adults will be subject to the same housing purchase restrictions as families [1] Housing Fund Loan Adjustments - Borrowers with no existing housing in Beijing and no prior public housing fund loans can apply for first-time housing fund loans [1] - The maximum loan amount for purchasing a second home using the housing fund is increased to 1 million yuan, with a minimum down payment of 30% [2][4] - The loan amount increases by 15,000 yuan for each year of housing fund contributions, with a minimum contribution period of one year considered for those with less [2] Implementation and Transition - The new policy will take effect on August 9, 2025, superseding any previous conflicting policies [3] - The criteria for recognizing housing loan eligibility have been optimized, with specific definitions for first and second homes [3] Financial Impact - For a property priced at 4 million yuan, transitioning from a second home loan to a first home loan can reduce the down payment by 600,000 yuan and monthly payments by 253 yuan [3] - The minimum down payment for properties is standardized to 30%, regardless of location [4] - The adjustment allows for a maximum loan of 1.6 million yuan for first-time homebuyers under certain conditions, including support for green building initiatives and multi-child families [4]

Core Viewpoint - The article discusses the recent policy adjustments in Beijing's real estate sector aimed at optimizing housing purchase conditions and increasing support for homebuyers, particularly focusing on the housing provident fund system [2][3]. Group 1: Policy Changes on Housing Purchases - The new policy allows eligible families to purchase an unlimited number of homes outside the Fifth Ring Road in Beijing, enhancing the ability to meet housing improvement needs and promote work-life balance [3]. - The existing purchase restrictions for families within the Fifth Ring Road remain unchanged, with local residents allowed to buy up to two homes and non-local residents with a minimum of three years of social insurance or income tax payments allowed to buy one home [3]. Group 2: Enhancements to Housing Provident Fund Support - The policy expands the scope of first-time homebuyer loans, reclassifying certain previously recognized second-home loans as first-home loans, which can significantly reduce down payment requirements and monthly payments [4]. - The maximum loan amount for second-home buyers has been increased from 600,000 yuan to 1,000,000 yuan, with additional loan amount increases available for those meeting specific criteria [4]. - The annual loan limit per year of provident fund contribution has been raised from 100,000 yuan to 150,000 yuan, allowing borrowers to qualify for loans more quickly [5]. - The policy facilitates the simultaneous withdrawal of provident funds for down payments while applying for loans, streamlining the purchasing process for new homes [5].

Core Viewpoint - The article discusses the new policies implemented by Beijing's housing authorities to optimize and adjust real estate regulations, effective from August 9, 2025, aimed at enhancing housing accessibility and supporting residents' housing needs [2][3][4]. Group 1: Policy Changes on Housing Purchases - Families meeting certain criteria will no longer face restrictions on the number of homes they can purchase outside the Fifth Ring Road in Beijing, promoting better living conditions and work-life balance [2]. - The existing purchase limits for families within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy up to 2 homes and non-Beijing residents with over 3 years of social insurance or income tax payments allowed to buy 1 home [2]. Group 2: Housing Fund Support Enhancements - The policy expands the scope of housing fund loans for first-time homebuyers, allowing those with a cleared loan record nationwide to be classified as first-time buyers, significantly reducing down payment requirements and monthly payments [3]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with potential additional increases for borrowers meeting specific criteria, allowing for a maximum loan of 1,400,000 yuan [3]. - The minimum down payment ratio for second home loans has been standardized to 30%, regardless of location, simplifying the borrowing process [3]. Group 3: Loan Amount Adjustments - The amount that can be borrowed per year of housing fund contribution has increased from 100,000 to 150,000 yuan, reducing the time required to accumulate sufficient contributions for larger loans [4]. - Borrowers can now apply for housing fund loans while simultaneously withdrawing funds for down payments, streamlining the purchasing process for new homes [4].

Core Viewpoint - The article discusses the new policies implemented by Beijing's housing authorities to optimize real estate regulations, effective from August 9, 2025, aimed at enhancing housing accessibility and supporting residents' housing needs [1]. Group 1: Housing Purchase Regulations - The new policy allows eligible families to purchase an unlimited number of homes outside the Fifth Ring Road in Beijing, addressing the demand for improved housing options [2]. - The existing purchase limits for homes within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy up to two homes and non-Beijing residents with a minimum of three years of social insurance or tax payments allowed to buy one home [2]. Group 2: Housing Fund Support - The policy expands the scope of housing fund loans for first-time homebuyers, reclassifying certain previously recognized second homes as first homes, which can significantly reduce down payment and monthly payment amounts [3]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with additional benefits for borrowers meeting specific criteria, allowing for a potential maximum loan of 1,400,000 yuan [3]. - The minimum down payment ratio for second home loans has been standardized to 30%, regardless of location, simplifying the borrowing process [3]. Group 3: Loan Amount Adjustments - The policy increases the loan amount available per year of housing fund contribution from 100,000 to 150,000 yuan, reducing the time required to qualify for larger loans [4]. - Borrowers can now apply for housing fund loans while simultaneously withdrawing funds for down payments, streamlining the purchasing process for new homes [4].

Core Viewpoint - Jiangsu Taizhou has announced adjustments to housing provident fund policies, allowing for broader use of funds for down payments on new residential properties, including the acceptance of "housing vouchers" as a form of down payment [1] Group 1: Policy Adjustments - The scope for withdrawing housing provident fund account balances for down payments has been expanded to include not only the buyer and their spouse but also the buyer's parents and children [1] - The use of "housing vouchers" as down payment evidence for housing provident fund loans is now supported, with the amount being equivalent to the face value of the voucher [1] - The new policy will take effect on August 1, 2025, while applications for housing provident fund loans submitted before this date will still adhere to the previous regulations [1]

Core Viewpoint - The housing provident fund policy in Taizhou, Jiangsu Province has been adjusted to expand the scope of withdrawal for down payments and increase loan limits for home purchases [1] Summary by Relevant Categories Policy Adjustments - The scope for withdrawing housing provident fund account balances for down payments has been expanded to include not only the buyer and their spouse but also the buyer's parents and children [1] - The minimum loan amount for housing provident fund loans has been increased from 200,000 to 300,000 yuan [1] Loan Limits - The maximum loan limit for dual-income households has been raised from 1 million to 1.3 million yuan, while for single-income households, it has increased from 500,000 to 800,000 yuan [1] - For employees with a master's degree or higher, the maximum loan limit for dual-income households has been increased from 1.5 million to 1.8 million yuan, and for single-income households from 750,000 to 1.05 million yuan [1] - Families with two children can now borrow up to 1.7 million yuan for dual-income households and 1 million yuan for single-income households, while families with three children can borrow up to 1.9 million yuan for dual-income households and 1.1 million yuan for single-income households [1] Loan Terms - The maximum loan term for male employees has been extended to age 68, while for female employees, it has been extended to age 63, with certain exceptions allowing for an extension to age 68 for women with senior titles [1] - A 20% increase in loan limits is available for families selling their own homes in the city and purchasing new homes within one year [1] Use of "Housing Tickets" - "Housing tickets" can now be used as a down payment for housing provident fund loans, with the amount based on the face value of the ticket [1]

Group 1: Urban Development and Housing Policies - In the first half of the year, 16,500 old urban residential communities were newly started for renovation across the country, with six regions exceeding an 80% commencement rate [1] - Kunming has adjusted the recognition standards for personal housing loans under the housing provident fund, relaxing the criteria for first and second homes [3] - Jinan has announced an increase in the housing provident fund contribution base for the 2025 fiscal year, with a maximum monthly contribution base of 32,586 yuan and a minimum of 2,010 yuan [4] Group 2: Real Estate Transactions - A residential land parcel in Shunyi District, Beijing, has been officially listed with a starting price of 1.03 billion yuan, covering an area of approximately 23,000 square meters [2] - China Jinmao's wholly-owned subsidiary has issued medium-term notes amounting to 2 billion yuan, with a maturity of three years and a final coupon rate of 2.3% [5]