温州市住房公积金管理中心则在6月17日发布消息称，在温州市缴存住房公积金并在市行政区域内购买二手住房的购房人 及其配偶、父母、子女，可向购房所在地公积金管理机构申请提取个人住房公积金账户余额，用于支付购房首付款。 "对于许多有购房需求但存在首付压力的家庭而言，该政策将促进住房公积金成为首付资金的重要来源，有效缓解首付款 筹集压力，有助于促进住房消费的全方位活跃。"上海易居房地产研究院副院长严跃进分析称，目前支持住房公积金用于支付 购房首付款的城市不仅有深圳、杭州等一线、二线城市，也包括了丽水等三线、四线城市。这说明提取住房公积金用于首付的 政策正持续在全国范围内推进，是各地优化住房公积金政策、提振住房消费的重要方向。 本报记者 张芗逸 6月23日，杭州住房公积金管理中心推出住房公积金直付购房首付款业务，缴存职工在杭州市购买的新建商品房可使用公 积金直接支付购房首付款。 据《证券日报》记者统计，6月份以来，已有杭州、深圳、青岛、西安等7个城市拓展住房公积金使用范围，支持缴存人提 取住房公积金支付首付款。 例如，西安市住房和城乡建设局等四部门6月19日发布的《西安市关于促进房地产市场平稳健康发展的若干措施》提出， ...

Core Viewpoint - The Guangzhou Municipal Bureau of Commerce has released a draft plan aimed at boosting consumption, particularly in the housing sector, signaling a potential relaxation of real estate policies in first-tier cities [1][2][3]. Group 1: Policy Changes - The draft plan includes measures to gradually reduce consumption restrictions, optimize real estate policies, and fully cancel purchase, sale, and price limits, as well as lower down payment ratios and interest rates for loans [2][3]. - Guangzhou has already begun to implement these changes, having canceled sale and purchase restrictions in May and September 2024, respectively, while effectively executing price deregulation [2][3]. Group 2: Market Impact - Since the fourth quarter of 2024, Guangzhou's real estate market has shown signs of recovery, with a 22% year-on-year increase in the number of new residential units signed from January to May 2024, totaling 25,659 units [2]. - The inventory of new residential units has decreased to 14.52 million square meters, a 2% decline from the previous month, indicating a stabilization in the market [2]. Group 3: Housing Demand and Urban Development - The draft plan emphasizes the need to better meet housing consumption demands through the renovation of urban villages and old residential areas, with plans to invest 100 billion yuan in these projects by 2025 [4]. - The renovation initiatives aim to enhance urban quality, stimulate consumption potential, and promote a virtuous cycle in the real estate market [4]. Group 4: Housing Fund Policy Optimization - The draft also proposes continuous optimization of housing provident fund policies, allowing contributors to withdraw funds for down payments while applying for housing loans [5][6]. - Recent adjustments have increased the monthly withdrawal limit for renters to 2,000 yuan and reduced the withdrawal interval from six months to three months, benefiting families with multiple children [6].

Core Viewpoint - Guangzhou has introduced a new plan to stimulate consumption, focusing on housing policies and aiming to activate the consumption market through various measures [1][2]. Housing Policy - The plan includes the complete removal of purchase, sale, and price restrictions, as well as lowering down payment ratios and interest rates for loans [2][3]. - By 2025, Guangzhou aims to initiate over 150 old residential community renovations and invest 100 billion yuan in urban village transformations [2][4]. - The city is also looking to utilize special loans to purchase existing properties for resettlement purposes [4]. Market Context - Following the lifting of housing purchase restrictions in September last year, the current plan emphasizes further optimization of housing policies, particularly regarding public housing funds [2][3]. - The average mortgage rates in Guangzhou are currently low, with first-time home loan rates at 3% and public housing fund rates at 2.6% [3][4]. Broader Implications - The emphasis on housing consumption reflects its strategic importance in driving economic growth and consumption upgrades, as noted by experts [2][6]. - Other regions, such as Jiangsu and Shenzhen, are also incorporating housing consumption into their consumption stimulation plans, indicating a nationwide trend [6][7]. Investment and Development - Significant investments are being made in urban renewal projects, with Huangpu District reporting new construction areas of 1.05 million square meters since 2025 [5]. - The acceleration of urban renewal projects in Guangzhou is evident, with several key projects resuming after delays [4][5]. Economic Outlook - Analysts suggest that the push for housing consumption will help stabilize the real estate market and enhance residents' financial health, potentially leading to a rebound in housing prices [8].