截至7月末，我省累计发放公积金贷款达10143.2亿元 7市纳入试点 前七个月灵活就业人员新增缴存13.1万人 "我是今年毕业的大学生，准备自由择业，听说现在灵活就业也能缴存住房公积金，能享受哪些优 惠？"开放日现场，应届毕业生张思源抛出的问题，道出了新就业形态从业者的关切。 根据《山东省住房公积金2024年年度报告》，我省实缴住房公积金人数达到1193.39万人。但长期以 来，灵活就业人员由于劳动关系不稳定、收入波动大等特点，现行的住房公积金制度难以有效覆盖这一 群体。 破解这一难题，山东抓住住建部开展灵活就业人员参加住房公积金制度的关键机遇。济南、青岛、淄 博、枣庄、烟台、日照、德州7市纳入试点，总数全国第一。通过打破"身份限制"，将试点区域内以非 全日制、个体经营、新就业形态等方式灵活就业的符合年龄要求等群体都纳入了制度覆盖范围。 该群体能享受到哪些政策优惠？核心体现在缴存阶段的补贴收益与贷款阶段的低息支持两方面。 以目前济南现行政策为例算"收益账"：灵活就业人员存储时间满12个月的资金部分，最高给予1%的缴 存补贴，每年结息日将缴存补贴计入灵活就业者个人公积金账户，再加上1.5%的公积金存款利率，综 ...

Core Viewpoint - The article discusses the recent adjustments and optimizations in housing provident fund policies across various cities in China, aimed at enhancing housing security and reducing the cost of home purchases for residents [1][2][3]. Policy Adjustments - Many cities have relaxed restrictions on housing provident fund usage, increasing loan limits and lowering down payment ratios to make home buying more accessible [2][3]. - In Shenzhen, the maximum loan amount has been raised to 2.31 million yuan, with the minimum down payment ratio set at 20% [2]. - Other cities like Nanjing and Yancheng have also increased loan limits, with Nanjing raising the maximum loan for single contributors to 840,000 yuan and for joint contributors to 1.2 million yuan [3]. Coverage Expansion - Cities are expanding the scenarios in which provident funds can be withdrawn, including for second-hand homes and allowing family members to withdraw funds for down payments [5][6]. - Qingdao has introduced new policies allowing fund withdrawals for elevator upgrades in residential buildings, enhancing living conditions [6]. - The scope of inter-city loans has been broadened, with Nanjing extending its coverage to the entire province, facilitating easier access for residents [6]. Service Efficiency Improvements - Cities are leveraging technology to enhance the efficiency of housing provident fund services, with Shenzhen integrating AI and blockchain for smoother transactions [7]. - Qingdao has streamlined the loan application process, reducing the processing time from 20 days to under 6 days, significantly improving service efficiency [8]. - The introduction of a "housing provident fund payment" platform in Qingdao allows real-time transfers for various housing-related expenses, improving user experience [8].

Core Viewpoint - The article highlights the efficiency and convenience of the housing provident fund loan process in China, particularly through the "one-stop service" reform, which significantly reduces the time and complexity involved in obtaining loans for home purchases [1][2][3]. Group 1: Reform Implementation - The Ministry of Housing and Urban-Rural Development has implemented a reform focusing on streamlining the housing provident fund loan process, addressing issues such as excessive paperwork and lengthy processing times [1][2]. - The reform has led to a new service model in Hainan, which reduces 97 reporting items, 13 application materials, 7 trips, and 5 approval steps, improving processing time by 80% compared to the previous method [2]. Group 2: Digital Transformation - The digitalization of the housing provident fund system is ongoing, with a national public service platform established to ensure interconnected service channels and data sharing among various departments [2][3]. - The integration of facial recognition and electronic seals in provinces like Shandong and Guangxi supports efficient implementation of the "one-stop service" model [2]. Group 3: Service Expansion and Impact - The "one-stop service" for housing provident fund loans has been implemented across 27 provinces and regions, with a total of 230,000 loans issued, amounting to 141 billion yuan [3]. - The Ministry of Housing and Urban-Rural Development aims to fully implement this service nationwide by the end of the year, further enhancing accessibility and efficiency for homebuyers [3].

Core Viewpoint - Multiple regions in China are extending the age limit for housing provident fund loan borrowers, aligning with the national retirement policy adjustments, allowing men up to 68 years and women up to 63 years to apply for loans, or extending up to five years post statutory retirement age [1][9]. Group 1: Policy Changes by Region - **Shandong Province**: Plans to extend the housing provident fund loan maturity age limit to 68 years for men and 63 years for women, or five years post statutory retirement age [1]. - **Zhengzhou, Henan**: Public consultation on adjusting the age limit for housing provident fund loans, allowing men up to 68 years and women up to 63 years, with a maximum loan term of 30 years [2]. - **Jiangmen, Guangdong**: Revised loan management regulations effective from April 1, 2025, allowing the same age limits as above [3]. - **Qingdao, Shandong**: New policy effective March 27, 2025, with similar age limits for loan maturity [4]. - **Kunming, Yunnan**: Policy effective March 24, 2025, allowing loans to mature up to five years post statutory retirement age, with the same age limits [5]. - **Xi'an, Shaanxi**: New policy allows loans to mature up to five years post statutory retirement age, with age limits of 68 for men and 63 for women [6]. - **Harbin, Heilongjiang**: Effective January 1, 2025, the age limit for loan applicants is extended to 68 years for men and 63 years for women [7]. - **Beijing**: New policy effective January 1, 2025, adjusts the age limit to 68 years for loan applicants, maintaining a maximum loan term of 30 years [8]. - **Chongqing**: Policy effective January 1, 2025, extends loan maturity age limits to 68 years for men and 63 years for women [9]. Group 2: Common Features of Policy Adjustments - The adjustments across various regions generally reflect three main characteristics: 1. The age limit is uniformly extended to 68 years for men and 63 years for women [9]. 2. A dual constraint mechanism of "statutory retirement age + 5 years" is established [9]. 3. The changes are synchronized with the national policy on delayed retirement [9].

Core Viewpoint - Hainan Province is promoting the inclusion of flexible employment workers, such as delivery personnel and ride-hailing drivers, into the housing provident fund system to enhance labor rights and benefits for this group [2][3]. Group 1: Policy Implementation - The initiative is part of a broader action to improve labor rights for new employment forms, with collaboration among various departments including housing fund, postal services, market supervision, and transportation [2]. - A data-sharing mechanism will be established to enhance the effectiveness of outreach efforts regarding the housing fund system for flexible employment workers [2]. - The provincial transportation department will lead efforts to assess the number and demographics of ride-hailing and delivery workers across the province [2]. Group 2: Benefits and Features - The housing fund system will allow flexible employment workers to withdraw their contributions immediately upon termination of contributions, promoting better coverage for this group [3][6]. - The province will provide convenient services for flexible employment workers through the "Haiyi Ban" app, enabling them to manage their contributions easily [3]. - The contribution base for flexible employment workers will range from the minimum wage to three times the average monthly salary of employed workers in the area, with a contribution rate between 10% and 24% [4]. Group 3: Loan Policies - Flexible employment workers can access the same loan policies as regular employees, with the main difference being the required continuous contribution period (12 months for flexible workers vs. 6 months for regular employees) [7]. - The maximum loan amount for purchasing new residential housing is 800,000 yuan for individuals and 1.1 million yuan for couples [7]. - Contributions will earn interest at the same rate as regular employees, currently set at 1.5%, and additional subsidies are available for those who contribute continuously for 12 months [8].

Core Points - The article discusses the optimization of six housing provident fund policies in Shenyang to boost housing consumption starting from July 1 [1][2] - Key measures include an increase in loan limits based on account balance multiples and the introduction of a subsidy for graduates opening accounts [1][2] Group 1: Policy Changes - Shenyang has implemented a graduate account opening subsidy of 500 yuan for eligible graduates who start working in the city within two years after graduation [1] - The account balance multiple for calculating housing provident fund loan limits for employed workers has been increased from 22 times to 25 times, allowing for higher loan amounts [2] - The minimum down payment ratio for housing provident fund loans has been extended until December 31, 2023, with the previous deadline being November 2024 [2] Group 2: Loan Policy Expansion - The scope of the "commercial to public" loan policy has been expanded to include flexible employment contributors, out-of-town contributors, and active military personnel [2] - Borrowers can convert personal housing commercial loans that have been repaid for five years or more into housing provident fund loans [2] - For purchasing newly recognized high-quality residential properties using provident fund loans, the loan limit can be increased to 1.4 times the current maximum loan amount [2]

Core Viewpoint - The Beijing Housing Provident Fund Management Center announced that the interest for the 2024-2025 fiscal year will be set at 1.5%, which is significantly higher than current bank deposit rates, providing a stable investment opportunity for employees' provident fund accounts [1][2]. Group 1: Interest Rates and Benefits - The interest rate for personal provident fund accounts is set at 1.5%, which allows for a potential annual interest of 1500 yuan on a 100,000 yuan balance, surpassing bank deposit interest by 550 yuan [1]. - The provident fund employs an annual compound interest model, which can yield approximately 16,300 yuan over 10 years for a 100,000 yuan balance, compared to 15,000 yuan from a bank's simple interest model [2]. - The stability of the provident fund interest rate is guaranteed by national policy, remaining unaffected by market fluctuations, unlike bank rates which have seen a significant decline [2]. Group 2: Housing Loan Advantages - The provident fund offers a lower interest rate for first-time home loans at 2.6%, which is 0.45 percentage points lower than commercial loans, potentially saving borrowers about 53,600 yuan in interest over 20 years [3]. - The fund allows for flexible withdrawal scenarios for housing-related expenses, including rent and home purchases, enhancing its utility for contributors [3]. - Contributors can check their interest accrual through various platforms, ensuring they are aware of their benefits and rights [3].

Core Viewpoint - The article discusses the annual interest settlement of housing provident funds in China, highlighting the interest rate, contribution limits, and the implications for employees' savings [1][2][3]. Group 1: Interest Rate and Settlement - The housing provident fund in China is currently calculated based on the People's Bank of China's one-year fixed deposit benchmark interest rate of 1.5%, with interest credited annually on July 1 [1][2]. - Interest is calculated using a cumulative method, with interest from both the current year's contributions and previous year's balances being credited to the principal [1]. Group 2: Contribution Limits and Rates - For the 2024 fiscal year, the upper limit for housing provident fund contributions has been raised to 35,283 yuan, an increase of 1,392 yuan from 2023 [1]. - The contribution rate continues to range from 5% to 12%, allowing employers to set their specific rates within this range. For a 12% contribution, the maximum monthly contribution is 8,468 yuan, split equally between employer and employee [2]. Group 3: Employee Experiences and Benefits - An employee from a media group shared that with a monthly salary of approximately 10,000 yuan and a 12% contribution rate, their provident fund account receives a total of 2,400 yuan monthly, amounting to 28,800 yuan annually [2]. - The employee anticipates receiving 432 yuan in interest on July 1, reflecting a positive sentiment towards the benefits of the housing provident fund [2][3].

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]

Core Viewpoint - Shandong Province has released a second batch of policy measures aimed at stabilizing the economy and promoting high-quality development, focusing on employment, enterprise support, domestic demand, and resource supply [2][3]. Group 1: Employment Stabilization - The policy measures prioritize youth employment, particularly targeting college graduates and unemployed youth aged 16-24, with incentives for organizations hiring them [3]. - A one-time expansion subsidy policy for enterprises hiring recent graduates or unemployed youth will be effective until December 31, 2025 [3]. - The maximum credit limit for small and micro enterprises has been increased from 30 million to 50 million yuan, with individual credit limits set at 10 million yuan [3]. Group 2: Enterprise Support - The measures include targeted policies for credit financing, debt repayment, and subsidies to assist enterprises facing difficulties, especially in the foreign trade sector [4]. - A financial direct connection service mechanism for private enterprises will be established, aiming for an additional credit of over 500 billion yuan by 2025 [4]. - Support for high-growth service enterprises will be coordinated through funding and insurance premium subsidies [4]. Group 3: Market Demand Expansion - The policy aims to expand domestic demand through various promotional activities, including over 1,000 consumption promotion events [5]. - A dynamic adjustment mechanism for housing loan limits will be established, with increased support for families with multiple children [5]. - The introduction of a new model for direct payment of rent from housing provident funds is part of the measures to enhance housing consumption [5]. Group 4: Optimizing Environment and Expectations - The measures focus on improving government services, optimizing policy effectiveness, and strengthening resource supply [6]. - A reform of the investment project approval system will be implemented to streamline processes and enhance efficiency [6]. - The "Ru Hui Tong" platform will be optimized to ensure policies reach the grassroots level effectively [6].