Core Viewpoint - Chongqing is focusing on housing consumption needs and optimizing housing provident fund policies to support residents in solving basic housing issues and boosting housing consumption [1][4]. Group 1: Housing Provident Fund Policies - As of July 24 this year, Chongqing's housing provident fund center has processed 10,827 commercial-to-public loan direct transfer transactions, amounting to 6.158 billion yuan, with a direct transfer ratio of 93% [6]. - The new direct transfer service for commercial-to-public loans significantly reduces the burden on borrowers by eliminating the need for upfront capital to pay off original commercial loans, thus streamlining the process [4][5]. - The initiative began with five major state-owned banks and will expand to include 16 banks by July 2025, enhancing accessibility for borrowers [4]. Group 2: Support for Flexible Employment - The number of flexible employment individuals with accounts has reached 474,300, with total contributions of 1.14 billion yuan, the highest in the country [7]. - A total of 173,800 withdrawals have been made, amounting to 447 million yuan, and 1,110 loans totaling 487 million yuan have been issued, saving approximately 42 million yuan in interest for flexible employment contributors [7]. - Policies have been upgraded four times to reduce contribution pressure and increase loan limits, with the minimum contribution period reduced from 24 months to 6 months and maximum loan amounts increased significantly [8].

5月30日，住房城乡建设部、财政部、人民银行联合发布的《全国住房公积金2024年年度报告》显示， 2024年，全国发放住房公积金个人住房贷款230.56万笔，发放金额13043.07亿元。其中，重点支持购买 首套普通住房，首套住房贷款占发放笔数的86.86%。 报告显示，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。 在支持缴存人住房消费方面，报告显示，一是支持租赁住房消费。2024年，租赁住房提取金额2720.57 亿元，比上年增长33.93%；租赁住房提取人数2257.44万人，比上年增长22.28%。二是支持城镇老旧小 区改造。2024年，支持6.53万人提取住房公积金20.43亿元用于加装电梯等自住住房改造，改善居住环 境。三是个人住房贷款重点支持购买首套普通住房。2024年发放的个人住房贷款笔数中，首套住房贷款 占86.86%，40岁（含）以下缴存人贷款占82.13%。2024年末，住房公积金个人住房贷款市场占有率 17.64%。2024年，发放住房公积金异地贷款21.30万笔、1119.64亿元；截至2024年末，累计发 ...