截至今年7月底，累计发放个人住房贷款53.08万笔、发放金额3717.63亿元 缴存职工在办理住房公积金业务。 今年以来，深圳市住房公积金管理中心坚持以高质量党建为引领，以解决办事群众的痛点难点堵点为目 标，以惠民政策为基石、技术革新为引擎、服务升级为保障，着眼缴存单位和职工办事需求，推动政务 服务提质增效，全力为群众排忧解难，为助力"住有宜居"提供了鲜活样本。 截至2025年7月底，深圳累计归集资金9792.67亿元；累计支持职工提取6344.84亿元，其中，支持 1014.55万缴存人租房提取2501.01亿元；累计发放个人住房贷款53.08万笔、发放金额3717.63亿元。 聚焦惠民政策，以制度普惠提升群众获得感 为进一步发挥住房公积金制度的保障作用，2025年3月，深圳市发布了《关于〈深圳市住房公积金贷款 管理规定〉的补充规定》和《关于我市住房公积金利息补贴有关事项的通知》，对深圳住房公积金贷款 和利息补贴政策进行调整优化。新政以"更高额度、更低门槛、更优服务"为核心，推出提高贷款额度、 下调首付款比例、加大利息补贴力度等多项有力举措，进一步满足职工的住房需求，更好发挥住房公积 金制度的保障作用。 最 ...

菏泽市住房公积金管理中心通过构建科学的数据治理体系，为公积金业务数字化转型奠定了坚实基础。中心采取"规划引领、源头治理、 长效赋能"的系统性方法，建立起覆盖数据采集、核验、整改的全流程管理机制。在具体实施中，形成了分管领导牵头抓总、业务科室分 解任务、技术部门提供支撑的协同工作格局，通过建立数据质检、动态跟踪和长效管理三个台账，实现了对数据问题的闭环管理。 针对业务办理中常见的信息缺失、重复账户等问题，中心开发了专门的解决方案。通过与公安、市场监管等部门的数据对接，有效解决 了"一人多户"和单位信息不全等难题。业务系统新增的21项数据校验规则，使得缴存、贷款等业务办理时的缺项率大幅下降。系统还实 现了贷款审批与缴存信息的实时联动，避免了以往需要反复提交材料的情况。 齐鲁晚报.齐鲁壹点周千清 走进菏泽市住房公积金管理中心服务大厅，前来办理业务的市民络绎不绝。与以往不同的是，现在许多业务办理过程变得更加简便快 捷。"以前需要准备各种证明材料，现在很多都不用了，系统自动就能核验信息。"正在办理购房提取业务的王女士对服务效率的提升深 有感触。这一变化源于该中心近年来创新实施的数据治理工作。 这些创新举措的成效直接体现 ...

Core Points - The article discusses the implementation of a new policy in Zhaoqing City that allows flexible employment individuals to voluntarily contribute to and utilize housing provident funds, effective immediately [1] Group 1: Policy Overview - The new management measures aim to expand the coverage of the housing provident fund system and enhance its inclusivity [6] - The policy applies to flexible employment individuals aged 16 and above who earn their primary income through self-employment, part-time work, or new business models, and who have full civil capacity [5][7] Group 2: Contribution Details - Contributions to the housing provident fund are voluntary, with individuals required to report their contribution base and rate [8] - The contribution base cannot exceed three times the average monthly salary of employees in the previous year, nor fall below the minimum wage standard set by the city [8] - The contribution rate must be between 10% and 24%, chosen by the individual [8] Group 3: Account Management - Each individual can only have one housing provident fund account, and existing accounts can be used [8] - Contributions can be made monthly, quarterly, or as a lump sum, and the funds are owned by the contributor [8] - If an individual wishes to stop contributing, they must first freeze their account for six months before withdrawing the total balance [10] Group 4: Withdrawal and Loan Conditions - Flexible employment individuals can apply to withdraw their provident fund balance if they meet the city's withdrawal policy [10] - To qualify for a housing loan, individuals must have contributed to the fund for at least six months prior to the loan application [11] Group 5: Implementation Timeline - The policy will be effective for five years starting from August 18, 2025 [11]

Core Viewpoint - The collaboration between Zhengzhou and Kaifeng in housing provident fund management aims to enhance cross-regional service efficiency and expand the range of services available to residents [1][2]. Group 1: Service Expansion - The newly released materials list includes 15 types of withdrawal services and 5 types of inquiry services, marking an expansion from the previous guidelines [1][2]. - New withdrawal categories include the ability to withdraw funds for purchasing homes and repaying loans for spouses, parents, and children, as well as additional circumstances such as retirement and loss of employment [2]. Group 2: Implementation and Accessibility - Both cities offer offline and online processing options for housing provident fund services, with Zhengzhou utilizing the "Zhenghao Ban" app for full online processing, while Kaifeng primarily uses its WeChat public account [2]. - As of June 30, 2023, a total of 1,312 housing provident fund loans amounting to 663 million yuan and 5,181 withdrawals totaling 292 million yuan have been processed between the two cities [1].

Core Viewpoint - The Beijing Housing Provident Fund Management Center has announced an expansion of the pilot program for direct payment of housing rent using provident fund withdrawals, aimed at optimizing withdrawal measures and increasing the scope of the pilot program [1] Summary by Relevant Sections Optimization of Withdrawal Measures - The frequency of rent transfers has been increased to "quarterly direct payment" - After applying for "direct rent payment," the provident fund center will transfer the available provident fund to the housing rental agency's account based on the rental payment cycle specified in the registered housing lease contract, either monthly or quarterly [1] Expansion of Pilot Program Scope - The application period for the "direct rent payment" service has been extended to the validity period of the registered housing lease contract - From the date of this announcement, any contributor with a valid housing lease contract can apply for the "direct rent payment" service, which also supports the handling of existing contracts and expands the coverage of the service [1] Payment of Rent Difference - The portion of the housing provident fund that can be withdrawn to cover the rent difference must be negotiated between the contributor and the pilot housing rental agency [1]

Core Points - Sichuan Province has issued a detailed action plan to implement the national consumption stimulus initiative, focusing on supporting homeowners in extracting housing provident funds for elevator installation and upgrades [1][2] - The plan aims to install 5,000 new elevators and upgrade 1,300 elevators by 2025 across the province [1] - In 2024, a total of 1,719 individuals are expected to withdraw housing provident funds for elevator installations and other renovations in old residential areas, amounting to 67 million yuan [2] Group 1 - Sichuan supports eligible homeowners in withdrawing housing provident funds and special maintenance funds for elevator installation and upgrades [1] - Chengdu has expanded the withdrawal policy to allow children and their spouses to extract funds to support their parents in adding elevators to their owned residences [2] - The housing and urban-rural development department will issue guidelines to enhance the quality of housing provident fund services to support urban-rural integration [1] Group 2 - Local governments in Sichuan are responsible for formulating specific policies, leading to variations in implementation across cities [2] - Recent policies in cities like Neijiang have included old elevator upgrades in the housing provident fund withdrawal scope [2] - The total amount withdrawn for elevator installations in Sichuan in 2024 is projected to reach 67 million yuan [2]

Core Viewpoint - The article highlights the ongoing optimization and adjustment of housing provident fund policies across various cities in China, aimed at expanding the usage scope and reducing restrictions, with some cities increasing loan limits to support homebuyers [1][4][6]. Group 1: Policy Adjustments - Various cities in China are enhancing housing provident fund policies, including expanding the usage scope and reducing restrictions [1]. - In Beijing, a new "telephone loan service" has been introduced, allowing borrowers to connect directly with service points by calling the hotline, streamlining the loan process [3]. - Guangzhou's new policy allows contributors to withdraw housing provident funds for down payments while simultaneously applying for personal housing loans, alleviating financial pressure for homebuyers [6]. Group 2: Inter-City Cooperation - Shenzhen has signed cooperation agreements with several cities to enable mutual recognition of housing provident fund services, allowing local employees to enjoy the same loan limits and conditions as local residents when purchasing homes [7]. Group 3: Expanded Usage Scenarios - Shanghai has announced that starting July 1, residents can withdraw housing provident funds to cover their share of elevator renovation costs in residential buildings [8][10]. - Xiamen has implemented a "quick approval" process for withdrawing housing provident funds for elevator installations in old residential buildings, supporting both the individual and their spouse's parents [11]. - A national report indicated that last year, 65,300 individuals withdrew a total of 2.043 billion yuan from housing provident funds for home renovations, including elevator installations [12].

Core Viewpoint - Recent housing provident fund policies have been implemented in multiple cities, aiming to enhance accessibility and streamline processes for homebuyers, particularly for those purchasing homes in different cities [1][2]. Group 1: Housing Provident Fund Cooperation - Six cities, including Shenzhen, Zhuhai, Shantou, Jiangmen, Chaozhou, and Jieyang, signed a cooperation agreement to promote the mutual recognition and communication of housing provident fund loans, allowing local employees to access the same loan amounts and property counts as local contributors when purchasing homes [2]. - The cooperation will focus on policy coordination, service collaboration, and data sharing to support the housing consumption needs of mobile workers and families buying homes in different locations [2][3]. - The initiative aims to create a "smart provident fund" service through digital transformation, enhancing the overall experience for users and contributing to a better living and working environment [3]. Group 2: Qingdao's Policy Adjustments - Qingdao has expanded its housing provident fund withdrawal policy, allowing funds to be used for down payments on second-hand homes, as well as new properties and affordable housing [4][5]. - The updated policy includes provisions for withdrawing funds for elevator renovations in existing residential buildings, enabling homeowners and their families to access funds for such improvements [5]. - The process for inheriting provident fund withdrawals has been simplified, allowing direct transfers to the accounts of deceased contributors' immediate relatives [5]. Group 3: Combating Fraudulent Withdrawals - Xuancheng has announced measures to combat fraudulent withdrawals from the housing provident fund, effective from July 1, 2025, requiring additional documentation for full-price purchases of existing homes [7]. - Specific conditions for withdrawal include cases where the withdrawal amount reaches 80% of the home's total price, previous fraudulent activities in the purchase area, or frequent transactions within the last six months [7]. - The notification outlines required proof of residence and payment documentation to ensure compliance and prevent fraudulent claims [8].

Core Insights - The six cities in Guangdong, including Shenzhen, have signed a cooperation agreement to promote the "same-city" experience for housing provident fund services, enhancing support for mobile workers and families purchasing homes in different locations [1][2] Group 1: Policy Collaboration - The cooperation will focus on policy collaboration, service integration, and data sharing to facilitate housing consumption needs for mobile employment groups and families [1] - The cities aim to provide seamless housing provident fund services, including mutual recognition of deposit and loan information, reducing paperwork for residents [2] Group 2: Loan and Service Enhancements - The agreement includes provisions for mutual recognition of housing provident fund loans, allowing local employees to access the same loan limits and property counts as local contributors [2] - The cities will work together to streamline the process for handling housing provident fund transactions across different locations [2] Group 3: Digital Transformation and Risk Management - The cooperation will leverage digital transformation in government services to enhance information connectivity across cities and departments, creating a "smart provident fund" service [2] - A joint risk prevention mechanism will be established to combat fraudulent activities related to housing provident funds, improving overall management efficiency and fund security [2] Group 4: Recent Policy Adjustments - Recent adjustments to Shenzhen's housing provident fund policies have removed restrictions on non-local contributors regarding residency and first-home status, facilitating easier access to loans for home purchases [3] - The implementation of a new consumption promotion plan includes measures to expand the use of housing provident funds for down payments on homes within Shenzhen [3] Group 5: Market Context - The housing provident fund is favored by local governments due to its strong local attributes and low-interest rates, which cater to local housing demand [4] - In light of decreasing commercial mortgage rates, there is a suggestion to lower housing provident fund loan rates to maintain its attractiveness compared to commercial loans [4]

Core Viewpoint - The article discusses the collaboration among six cities in Guangdong to promote the "same city" experience for housing provident fund services, enhancing convenience for mobile workers and families purchasing homes in different cities [1][2]. Group 1: Collaboration and Policy Implementation - Six cities, including Shenzhen, Zhuhai, Shantou, Jiangmen, Chaozhou, and Jieyang, signed a cooperation agreement to enhance housing provident fund services through policy coordination, service collaboration, and data sharing [1]. - The initiative aims to facilitate the use of housing provident funds across cities, addressing the challenges faced by workers who commute between cities and easing their housing pressures [1][2]. - Shenzhen has already established collaborative mechanisms with ten cities in Guangdong, promoting information sharing and service integration [1]. Group 2: Service Enhancements - The cities will focus on four key areas to achieve seamless housing provident fund services: 1. Providing equal services for housing provident funds across cities, enhancing system connectivity and reducing paperwork [2]. 2. Allowing mutual recognition of housing loans for workers from different cities, ensuring they receive the same loan amounts and conditions as local contributors [2]. 3. Streamlining information checks for housing provident funds to simplify cross-city transactions [2]. 4. Establishing a joint risk prevention mechanism to combat fraudulent activities related to housing provident funds [2]. Group 3: Recent Policy Adjustments - In March, Shenzhen adjusted its housing provident fund loan policies to eliminate restrictions on non-local contributors regarding residency and first-time home purchases, allowing broader access to loans [3]. - The recent implementation plan includes measures to expand the use of housing provident funds for down payments on homes within Shenzhen [3]. - Over 380 cities have optimized their housing provident fund policies since the beginning of the year, focusing on reducing down payment ratios and increasing loan limits [3]. Group 4: Market Insights - Experts highlight that housing provident funds are favored by local governments due to their strong local attributes and low-interest rates, which cater to local housing needs [4]. - With commercial loan rates decreasing, adjusting housing provident fund loan rates may be necessary to maintain their attractiveness [4].