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].

Domestic News - The central government plans to support 20 cities, including Beijing and Tianjin, with over 20 billion yuan for urban renewal actions, aiming to establish a sustainable urban renewal mechanism and address infrastructure shortcomings [2] - In the first four months of this year, 5,679 old urban residential areas were renovated nationwide, with six regions, including Hebei and Chongqing, having a renovation rate exceeding 50% [2] - The China Passenger Car Association estimates that wholesale sales of new energy passenger vehicles will reach 1.24 million units in May, a year-on-year increase of 38% and a month-on-month increase of 9%, with cumulative sales from January to May expected to be 5.22 million units, up 41% year-on-year [2] - The Ministry of Human Resources and Social Security announced that it will conduct pilot programs for the integration of human resources services and manufacturing in about 30 cities to promote high-quality employment [2] International News - The Australian Bureau of Statistics reported a 0.2% quarter-on-quarter GDP growth and a 1.3% year-on-year growth for the first quarter of 2025 [3] - The U.S. White House announced an increase in import tariffs on steel and aluminum products from 25% to 50% to address national security threats and enhance domestic industry competitiveness [3] - Thailand's manufacturing sector saw its Purchasing Managers' Index (PMI) rise from 49.5 in April to 51.2 in May, indicating a return to expansion after two months of contraction [3]

记者了解到，日均余额法可贷额度=日均账户余额×规定倍数×存贷系数。"日均账户余额"为贷款申 请日前6个月（180天）的日均账户余额。 "规定倍数"为借款人使用住房公积金购买首套自住住房，规定倍数为15；使用住房公积金购买第二 套自住住房的，规定倍数为10。 "存贷系数"按照"多缴多贷，长缴多贷"的原则，根据个贷率、房地产市场等适时调整并及时公布， 存贷系数当前为1.25。 两种自选方案 昨天（5月28日），苏州公积金中心发布消息，将于7月1日升级《苏州市灵活就业人员参加住房公 积金制度试点实施细则》，创新灵活就业人员参加住房公积金试点政策，扩展自愿缴存范围，推出"补 充住房公积金"制度，为单位职工创新提供补充公积金的"自选礼包"。 新版灵活就业试点政策允许单位职工个人自愿缴存补充住房公积金。缴纳补充住房公积金的职工在 申请住房公积金贷款时，可选择"日均余额法"计算贷款额度，创新实现以"自选礼包"形式提高贷款额 度，职工可根据家庭情况和贷款需求自由选择缴存金额，突出"多缴多贷、多缴快贷"，进一步增强住房 保障作用。 补充住房公积金的缴存、提取均采用自由模式，不设缴存上限，支持单位职工灵活缴存、随意提 取，相当于 ...

Core Viewpoint - The Shandong province is implementing new housing provident fund policies to support housing consumption, including increasing loan limits, extending loan terms, and enhancing service efficiency [2][3] Group 1: Loan Limits - The average maximum loan amount for single contributors is 630,000 yuan, while for dual contributors it is 875,000 yuan, with families having multiple children eligible for an increase of over 20%, reaching an average of 1,100,000 yuan [2] - The highest loan limit among the 16 cities is in Zaozhuang at 1,600,000 yuan, followed by Qingdao and Linyi at 1,500,000 yuan [2] - Future measures include increasing the maximum loan limit for families with multiple children to over 30% and establishing a dynamic adjustment mechanism for loan limits based on housing prices and liquidity [2][3] Group 2: Coverage Expansion - The province aims to add over 100,000 new contributors from flexible employment this year, promoting the coverage of flexible contribution services across cities [2] Group 3: Service Optimization - A one-stop service platform for rental and withdrawal services will be established, allowing provident fund payments to be made directly to landlords, enhancing convenience for renters [3] - The maximum loan term is currently 30 years, with plans to extend the loan maturity age limit to 68 years for men and 63 years for women, or five years post-retirement age [3]