Core Viewpoint - The recent policy adjustments by the Yueyang Housing Provident Fund Management Center aim to expand the usage of housing provident funds, including allowing withdrawals for property fees and optimizing loan conditions for home purchases [1][2][3] Group 1: Policy Adjustments - The new policy allows contributors to withdraw housing provident funds to pay for property fees for one self-occupied housing unit within Yueyang, with a limit of 3,000 yuan per year per contributor [1] - Contributors purchasing their first or second self-occupied housing unit in Yueyang can use their provident funds for down payments, with no restrictions on the type of residential property [1] - The recognition criteria for housing units have been optimized, now based on the area of the purchased property, including various districts within Yueyang [1] Group 2: Loan Conditions - The policy increases the loan ratio for second homes, aligning it with first home loans, where the down payment must be at least 20% and the loan amount cannot exceed 80% of the property price [2] - The maximum loan limit for housing provident funds has been raised to 1 million yuan, with high-level talents eligible to apply for loans after one month of normal contributions, with a limit of 1.5 million yuan [2] Group 3: Broader Implications - The policy expands the scope of family intergenerational assistance using housing provident funds and extends the loan term for personal housing loans [3] - The initiative to allow withdrawals for property fees is part of a broader trend to enhance the functionality of housing provident funds, reducing previous restrictions and increasing the number of cities implementing similar policies [3] - The potential annual withdrawal of 3,000 to 5,000 yuan for property fees could cover the entire annual cost of property fees for many families, significantly alleviating their financial burden [3]

Core Viewpoint - The recent policies across various cities in China aim to utilize housing provident fund accounts to support homebuyers in paying down payments, thereby lowering the barriers to home purchases and stimulating the real estate market [3][4][5]. Policy Developments - Cities such as Shenzhen, Hangzhou, and Xi'an have introduced policies allowing the use of housing provident funds for down payments on new and second-hand homes [4][5][6]. - Qingdao has expanded its housing provident fund withdrawal policies to support down payments for various types of housing [4][5]. - The number of cities implementing such policies has exceeded 30 this year, including both first-tier and some third- and fourth-tier cities [5][11]. Implementation and Process - In Hangzhou, the process for using housing provident funds for down payments has been streamlined to allow online applications, enhancing convenience for homebuyers [7][8]. - A dedicated fund supervision account is established to ensure the safety of the funds, allowing for refunds if the purchase contract is canceled [8]. Usage Statistics - In 2024, over 81 million people withdrew a total of approximately 27.65 billion yuan from housing provident funds, with a significant increase in withdrawals for rental housing compared to the previous year [9][10]. - The policies are designed to increase the efficiency of fund usage and reduce the "sleeping" status of these funds [8][11]. Broader Implications - The adjustments in housing provident fund policies are expected to lower the cost of home purchases and improve access for specific groups, such as families with multiple children [11]. - The ongoing expansion of the housing provident fund's role reflects its importance in addressing housing needs and improving living conditions for low- and middle-income families [11].

Core Viewpoint - The Suzhou Housing Provident Fund Management Center has optimized the implementation details for the housing provident fund system for flexible employment, effective from July 1, marking the launch of version 3.0 of the pilot program, which will last for three years and aims to enhance policy attractiveness and assist flexible employment individuals in addressing housing issues [1][3]. Group 1: Key Innovations and Upgrades - The upgraded pilot policy emphasizes "two major innovations, five major upgrades, and six major benefits" [3]. - "Six major benefits" include low-interest loans, deposit subsidies, rental support, points for mobile populations, tax incentives, and interest payments [3]. - "Two major innovations" focus on promoting urban-rural integration and introducing a supplementary provident fund system [3]. - "Five major upgrades" consist of: - **Model Upgrade**: Offering both monthly and flexible deposit options without a deposit ceiling, with a minimum deposit equal to 10% of the city's minimum monthly wage [3]. - **Withdrawal Upgrade**: Allowing flexible employment individuals to withdraw their provident fund without material requirements, with no restrictions on time, amount, or frequency [3][4]. - **Subsidy Upgrade**: Continuing to provide account opening and deposit subsidies, with interest subsidies set at 30% of the provident fund's interest rate, distributed annually [4]. - **Loan Upgrade**: Enhancements in loan offerings for flexible employment individuals [4]. - **Experience Upgrade**: Improvements in user experience related to the provident fund system [4]. Group 2: Target Audience and Policy Scope - The pilot program targets flexible employment individuals aged 16 and above who have not reached the legal retirement age, including urban individual businesses, part-time workers, and those in new employment forms [1][3]. - The policy also supports rural residents in participating in the provident fund system and facilitates housing loans for self-built or renovated homes, promoting urban-rural integration and common prosperity [1][3].

近两月以来，从楼市监测数据来看，西安房地产市场供销两淡，有降温趋势。 在西安楼市持续调整、市场信心仍需巩固的背景下，近日，西安市四部门联合出台《关于促进房地产市 场平稳健康发展的若干措施》（以下简称《举措》），试图从供需两端协同发力，为市场注入稳定预 期。 此次新政的核心动作聚焦两个层面：首先，打通公积金使用堵点；其次，从土地供应源头保障教育、医 疗等配套设施同步建设交付，力推"交房即交证"。叠加优化交易流程、盘活商业资产等配套措施，助力 楼市保持止跌回稳态势。 21世纪经济报道记者凌晨 西安报道 "当前西安楼市分化仍在加剧。一方面是开发商绞尽脑汁的想要出货，工抵房、特价房都有，另一方面 高端改善豪宅产品十分火爆。有的项目甚至从开盘到清盘，一共才50天，四开四罄。"在西安市高新区 唐延路中介店中，负责人李刚对21世纪经济报道记者表示。 打通公积金使用堵点 西安市公积金流动性指标正迎来微妙变化。今年2月，西安市住房公积金个贷率回落到88.74%，市场对 重启"商转公"的期待再度升温。这场围绕资金池水位的博弈，凸显了政策工具与现实压力间的艰难平 衡。 在此背景下，上述《举措》中对公积金制度进行了优化组合。其中明确 ...

多地出手优化，公积金有了更多新用法 中新网北京6月23日电(记者 左宇坤)近期，各地持续优化调整住房公积金政策。从简化提取流程到拓宽 使用场景，从降低使用门槛到打破地域限制，制度红利正进一步激发市场活力。 据"杭州发布"微信公众号，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，可使用公积金直接直付购房首付款，且全程支持线上办理。二手房线上办理 功能正在开发中，近期也将推出。 同样明确支持提取公积金付首付的城市还有成都、青岛、西安等城市。例如，西安市住房和城乡建设局 等四部门19日联合印发《西安市关于促进房地产市场平稳健康发展的若干措施》，其中提到"缴存职工 贷款购买新建商品住房，借款人及其配偶可申请提取公积金直接支付购房首付款"。 资料图：城区楼宇林立。 记者 王东明 摄 广东省住房政策研究中心首席研究员李宇嘉认为，公积金作为住房保障要素，其跨区域互联互通是都市 圈一体化的重要环节。这样的合作并非单纯的政策调整，而是以公积金为纽带，进一步撬动区域内要素 市场化改革。 "今年以来，已有多地发布公积金新政，内容涵盖首付提取、异地贷款、租房支持等维度。"上海易居房 地产 ...

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]

6月18日，记者从住房城乡建设部获悉，我国正在稳步扩大灵活就业人员参加住房公积金制度试点范 围。2024年，新增沈阳、银川、淄博等23个灵活就业人员参加住房公积金制度试点城市，试点范围由13 个扩大到36个，助力更多灵活就业人员稳业安居。 截至2024年年末，试点城市累计超过100万名灵活就业人员缴存住房公积金，其中24万人已使用住房公 积金租房或购房。 据了解，各地扩大灵活就业人员参加住房公积金制度试点的要求各有不同，但基本上只要达到16岁或18 岁且没有达到国家法定退休年龄的灵活就业人员，都可以缴存住房公积金。 具体来看，沈阳、淄博等试点城市不设户籍条件限制，外地户籍灵活就业人员也可缴存住房公积金。缴 存住房公积金的灵活就业人员除了可享受租房提取、个税抵扣、低息贷款等多重权益外，宜昌、百色、 喀什等城市还针对退役军人、种植户、养殖户、边民等多样化就业群体需求，提供租房优惠、缴存补 贴、就业创业等配套支持，助力推动共同富裕、城乡融合发展。 住房城乡建设部发布的数据显示，住房公积金制度惠及面不断扩大。2024年，全国净增住房公积金实缴 单位34.24万个，净增住房公积金实缴人数174.07万人，住房公积金缴存 ...

Group 1 - The core viewpoint is that the housing provident fund system is expanding to include more flexible employment workers, allowing them to contribute and utilize the fund for housing needs [1][2] - In 2024, 23 new cities, including Shenyang, Yinchuan, and Zibo, will join the pilot program for flexible employment workers, increasing the total number of pilot cities from 13 to 36 [1] - By the end of 2024, over 1 million flexible employment workers are expected to contribute to the housing provident fund, with 240,000 having used it for renting or purchasing homes [1] Group 2 - In Shanghai, a new policy will allow flexible employment workers to voluntarily contribute to the housing provident fund and access rights for housing loans starting June 1, 2025 [1] - Chongqing has optimized its support policies, reducing the minimum contribution period for loan applications from 12 months to 6 months for monthly contributors, and the minimum retention period for one-time contributions is also reduced to 6 months [1] - In Shandong Province, 7 cities have been selected for the pilot program, with 121,000 new flexible employment contributors in 2024, marking a 91.6% year-on-year increase [2]

金十数据6月18日讯，从住房城乡建设部了解到，我国正在稳步扩大灵活就业人员参加住房公积金制度 试点范围。截至2024年末，全国已有36个城市开展试点，累计超过100万名灵活就业人员缴存住房公积 金，其中24万人已使用住房公积金租房或购房。住房城乡建设部发布的数据显示，2024年，全国净增住 房公积金实缴单位34.24万个，净增住房公积金实缴人数174.07万人，住房公积金缴存规模持续扩大。 （新华社） 灵活就业人员参加住房公积金制度试点范围稳步扩大 ...

Core Insights - The total accumulated housing provident fund contributions reached 32.79 trillion yuan by the end of 2024, with a balance of 10.93 trillion yuan and withdrawals amounting to 2.77 trillion yuan, highlighting a mismatch between deposits and withdrawals [1][5][9] - The report indicates that the housing provident fund system, introduced in the 1990s, has not achieved the same effectiveness as in Singapore, leading to discussions on improving its utilization efficiency [1][11] Contribution and Withdrawal Data - By the end of 2024, the total contributions to the housing provident fund were 36.32 trillion yuan, while the total withdrawals were 2.77 trillion yuan, resulting in a withdrawal rate of 76.15% [1][6][9] - The report shows that nearly a quarter of the withdrawals in 2024 were due to retirement, with 11.52 million people withdrawing a total of 687 billion yuan [7][9] Withdrawal Restrictions - The report outlines various conditions under which individuals can withdraw from the housing provident fund, including for housing rental, home purchase, and loan repayment, but emphasizes that many face significant barriers to accessing these funds [5][6][9] - In Beijing, for example, individuals must have contributed for at least three months and meet specific criteria to withdraw funds for rental purposes [6][9] Loan Market Insights - In 2024, 2.31 million personal housing loans were issued, totaling 1.30 trillion yuan, with 86.86% of these loans supporting first-time home purchases [9][10] - The market share of housing provident fund loans was reported at 17.64%, indicating a relatively low penetration in the overall housing loan market [9][10] Interest Rate Adjustments - The People's Bank of China announced a reduction in the housing provident fund loan interest rate by 0.25 percentage points, bringing the rate for first-time homebuyers to 2.60% [10][11] - Despite this adjustment, the competitive advantage of housing provident fund loans has diminished as commercial loan rates have also decreased [9][10] Recommendations for Reform - Experts have called for reforms to enhance the utilization of the housing provident fund, suggesting that the current system has significant funds lying dormant in accounts [13][14] - The report indicates ongoing efforts to include flexible employment workers in the housing provident fund system, with over 1 million participants in pilot cities by the end of 2024 [15][16]