医疗保障方面，海南推出大病致困提取政策，个人年度自付医疗费用超1万元即可申请提取；成都更将 重大疾病提取病种范围从11项扩展至35项，覆盖恶性肿瘤、严重脑中风后遗症等多种重症，且允许缴存 人提取资金用于配偶、父母、子女的大病支出。 三湘都市报12月26日讯 近日，全国住房城乡建设工作会议召开。对于2026年的重点任务，会议强调， 将深化住房公积金制度改革。 事实上，2025年以来各地已率先发力，密集出台公积金优化政策超270条，从传统的购房租房延伸至物 业费支付、大病医疗支出、老旧小区装电梯等多元民生场景。长沙公积金新政也是政策频出，常德更是 支持代际互助购房提取公积金。多城密集调整住房公积金政策是什么原因？明年还会有哪些变化？ 今年以来，公积金"功能扩容"成为各地政策调整的关键词。在住房相关消费领域，多地突破原有限制， 推出"既提又贷"政策，降低购房资金压力。 今年12月15日，石家庄住房公积金管理中心发布通知，自12月15日起，缴存职工每年可提取一次公积金 用于支付自住住房物业费，每人每年提取金额不超过2000元，当年未提取的金额，可结转累计提取。 而从湖南来看，长沙则支持提取住房公积金直付房租，符合租房 ...

Core Viewpoint - The Shenzhen housing provident fund system is set to celebrate its 15th anniversary in December 2025, marking significant growth and development in supporting housing construction and improving living conditions for residents [1]. Group 1: Fund Accumulation and Growth - Over the past 15 years, the Shenzhen housing provident fund has grown from zero to over 1 trillion yuan, with an average annual growth rate exceeding double digits [2]. - By September 2025, the accumulated fund will surpass 1 trillion yuan, reflecting a robust increase from 218 billion yuan in 2011 to 9,000 billion yuan in 2024 [2]. - The number of new account holders reached 833,100, with a year-on-year growth of 6.01%, indicating strong market confidence in Shenzhen's business environment [2]. Group 2: Policy Innovations and Support - The fund has expanded its coverage to include foreign workers and flexible employment groups, with over 600,000 units and 21 million account holders [3]. - A new interest subsidy policy has been introduced, providing 500 million yuan in interest subsidies to employees who have not used their provident fund loans [3]. - The fund's policies have been optimized to support housing consumption, with the maximum loan amount reaching 2.31 million yuan, the highest in the country [5][7]. Group 3: Digital Transformation and Service Efficiency - The digital transformation of the fund has led to an online processing rate exceeding 98%, significantly enhancing service efficiency [8]. - The establishment of a comprehensive service platform allows for seamless online transactions, reducing the need for physical visits [8][12]. - The introduction of AI and blockchain technologies has improved risk control and automated approval processes, streamlining operations [9]. Group 4: Integration of Services - The fund center has integrated housing transaction management with provident fund services, creating a unique dual-function model [11]. - A "one-stop" platform for housing transactions and provident fund withdrawals has been developed, allowing for simultaneous processing of related services [12]. - The launch of the "cloud viewing" platform provides citizens with easy access to housing information and services, enhancing the overall efficiency of property transactions [12]. Group 5: Future Directions - The Shenzhen housing and construction bureau aims to continue optimizing policies and services while focusing on digital transformation to enhance the housing provident fund system [14]. - The commitment to improving living standards and supporting urban development aligns with national strategies for high-quality growth [14].

Core Viewpoint - Zhengzhou Housing Provident Fund Management Center announced a suspension of all provident fund services from December 29, 2025, to January 2, 2026, to ensure the smooth completion of the year-end accounting for 2025 [1] Summary by Relevant Sections - **Service Suspension Details** - All online and offline provident fund services will be suspended during the specified period [1] - Online services will resume on January 3, 2026, and all services will resume on January 4, 2026 [1]

本报讯 12月23日，省住房公积金管理局发布关于开展《海南省住房公积金管理局住房公积金骗提骗贷 行为处理办法（征求意见稿）》社会稳定风险评估公众参与的公示。公示称，为广泛听取社会各界对 《海南省住房公积金管理局住房公积金骗提骗贷行为处理办法》（以下简称《办法》）的意见和建议， 加强公众参与，准确识别并防范化解社会稳定风险，根据《重大行政决策程序暂行条例》《海南省重大 决策社会稳定风险评估办法》等规定，现就该《办法》开展社会稳定风险评估。征求范围为：《办法》 的利益相关群体包括但不限于在海南省参与住房公积金缴存的职工和单位、住房公积金借款人、协助办 理住房公积金业务的人以及受托办理公积金业务的银行机构等。 主要事项包括1.《办法》的制定主体、内容及制定程序是否符合法律法规和相关政策规定；2.《办法》 对骗提骗贷行为的认定标准、处理措施是否公平合理，是否兼顾惩戒效果与合法权益保障，是否存在过 度惩戒或惩戒不足的情况；3.《办法》实施后是否会对合法缴存人的正常业务办理造成不便，是否可能 引发不当攀比或合理诉求纠纷；4.《办法》的配套保障措施是否健全，针对潜在的舆情风险、诉求纠纷 能否得到及时妥善处理；5.《办法》实 ...

Core Insights - The article highlights the achievements of Jining's housing provident fund system during the "14th Five-Year Plan" period, emphasizing its role in supporting high-quality development and addressing housing needs. Group 1: Development Achievements - Over the past five years, Jining has seen a steady increase in its housing provident fund's comprehensive strength, with 8,298 new account-opening units and 277,800 new employees, averaging annual growth of 1,660 units and 55,600 employees [1] - The number of contributing units reached 12,900, with 689,800 contributing employees, reflecting growth of 31.04% and 10.74% respectively. The annual contribution amount has increased by 10% on average [1] - By November 2025, Jining's housing provident fund loan issuance growth ranked first in the province, with cumulative contributions and balances ranking fourth, and cumulative withdrawals and loans ranking fifth [1] Group 2: Policy and Accessibility Improvements - By the end of 2024, 81% of housing provident fund loans were issued to employees under 40, a 20.5 percentage point increase from the end of 2020. The proportion of first-time home loans reached 78.96% [2] - A pilot program for flexible employment individuals was launched, resulting in 14,400 new accounts and contributions of 327 million yuan, with the proportion of non-public contributors increasing by 8.36 percentage points compared to the end of the "13th Five-Year Plan" [2] - Over the past five years, 8,300 cross-regional loans totaling 2.936 billion yuan were issued to support employees' housing needs [2] Group 3: Policy Optimization and Support for Housing Consumption - The housing provident fund policies were scientifically adjusted, removing restrictions on withdrawals for purchasing homes within the province, and optimizing standards for housing unit recognition [3] - The average loan amount reached 464,400 yuan, an increase of 124,000 yuan compared to the end of the "13th Five-Year Plan" [3] - The annual growth rate of rental withdrawal amounts was 19.57%, supporting housing consumption significantly [3] Group 4: Service Efficiency and Innovation - The implementation of a "one-stop" service for various business processes has made it easier for enterprises and individuals to access services [4] - Digital development has accelerated, with eight high-frequency services achieving "instant approval" [4] - The overdue loan rate is maintained at a leading level in the province, demonstrating effective post-loan management [4] Group 5: Community Engagement and Governance - The establishment of a "clean and efficient" service ethos has been integrated into all aspects of development, leading to the recognition of the center as a "national civilized unit" [5] - The center has actively engaged in community support initiatives, fostering collaboration in the housing provident fund sector [5] - Regulatory compliance has been strengthened, with measures in place to prevent fraud and enhance legal awareness in the housing provident fund domain [5] Group 6: Future Outlook - Looking ahead to the "15th Five-Year Plan," the housing provident fund system aims to align with the city's strategic goals, focusing on expanding coverage and enhancing support for housing consumption [6] - The core philosophy emphasizes the importance of fulfilling its functions and contributing to the vision of providing quality housing for all [6]

12月18日，昆明市住房公积金管理中心（以下简称：管理中心）发布消息，在全国其他城市缴存住房公积金的职工，在昆明市行政区域内购买、建造、翻 建、大修首套或第二套自住住房，可向管理中心申请住房公积金贷款，并享受与本地缴存职工同等的权益。 此项政策面向所有在外地工作并正常缴存住房公积金的职工。无论职工在北京、上海、广州或国内其他任何城市缴存住房公积金，只要符合昆明市住房公 积金贷款的相关条件，即可在昆明申请贷款。 该政策有效打破了住房公积金使用的区域壁垒，为异地工作、回乡置业或选择昆明安居的职工提供了坚实的资金支持。 针对异地缴存职工以往可能面临的"两地跑、开证明"难题，管理中心积极落实住房和城乡建设部统一部署，全面推广"亮码可办"便民措施。 职工无需返回公积金缴存地开具纸质证明。只需登录"全国住房公积金公共服务"微信小程序，在"服务"栏目中选择"业务办理电子码—信息表申请"，核对 个人及缴存信息无误后提交申请，即可即时生成业务办理电子码（含条形码及数字编号）。在昆明办理公积金贷款时，直接向工作人员出示该电子码，即 可完成异地缴存情况的核验，流程高效便捷。 此项政策的深化落实，是昆明市提升住房公积金服务标准化、规 ...

Core Viewpoint - The new regulations for the Shenzhen Housing Provident Fund aim to enhance the accessibility of funds for various housing consumption needs, including home purchases, rentals, and the renovation of old housing, by introducing new withdrawal scenarios and relaxing withdrawal conditions [1][2]. Group 1: Home Purchase Withdrawals - The new regulations introduce a "down payment withdrawal" option, allowing employees and their family members to withdraw funds for down payments before full payment is made. The withdrawal limit is the lesser of the account balance or the unpaid down payment amount, with a maximum of one withdrawal allowed [2]. - The regulations support a "withdraw and loan" approach, where the withdrawn amount can still be counted towards the loan eligibility for a housing provident fund loan, allowing for a maximum loan of 1.6 million yuan based on the withdrawn amount [2]. - The application period for home purchase withdrawals has been extended from 3 years to 5 years, applicable for purchases made both within and outside Shenzhen [3]. Group 2: Tax and Loan Repayment Withdrawals - New provisions allow for the withdrawal of funds to pay for housing taxes, applicable for the purchase of first or second homes within 5 years of tax payment, with a limit equal to the actual tax paid [3]. - The scope for loan repayment withdrawals has been expanded nationwide, allowing employees to withdraw funds for repaying loans on first or second homes across the country, with specific limits based on the number of properties owned [3]. Group 3: Rental Withdrawals - The new regulations introduce a phased adjustment mechanism for rental withdrawal limits, increasing the monthly withdrawal cap from 65% to 80% of the monthly contribution for non-homeowning employees starting from November 2025 [5]. - The regulations expand support for families with two or more children, allowing them to withdraw up to 100% of their monthly contribution or actual rent without the previous requirement of having at least one minor child [5]. - Additional support is provided for employees renting public and guaranteed housing, allowing them to withdraw funds based on actual rent paid [5]. Group 4: Renovation Withdrawals - The new regulations enhance support for employees involved in the renovation of old housing, introducing new withdrawal options for self-funded renovations, installation or replacement of old elevators, and increased area for relocation [4][6]. - The total withdrawal amount for renovation projects cannot exceed the actual contribution amount, and withdrawals can be made once a year within 5 years after project completion [6].

Core Viewpoint - The Shenzhen Housing Provident Fund Management Committee has implemented a new regulation for the extraction of housing provident funds, effective from December 5, which aims to support diverse housing consumption needs by expanding the conditions for fund extraction [1][3]. Group 1: Home Purchase Extraction - The new regulation introduces multiple scenarios for home purchase fund extraction, including the ability to extract funds for down payments before full payment is made [3]. - The extraction limit for down payments is set at the full account balance for families with one property and 60% of the account balance for families with two properties, with a maximum of one extraction allowed [3][4]. - The regulation allows for simultaneous extraction and loan application, meaning that funds extracted for down payments can still be counted towards the loan limit calculation [4]. - The application period for home purchase extraction has been extended from 3 years to 5 years, applicable for both local and out-of-city purchases [4]. Group 2: Tax Payment Extraction - The new regulation allows for the extraction of housing provident funds to pay for taxes related to the purchase of the first or second home, with a limit equal to the actual tax paid [5]. - The scope of loan repayment extraction has been expanded to include nationwide loans, allowing for monthly extractions based on actual repayment amounts [5]. Group 3: Rental Extraction - The extraction limit for renters without homes has been increased to 80% of the monthly contribution starting from November 2025 for a two-year period [6][7]. - The regulation supports families with two or more children by allowing them to extract 100% of their monthly contribution or actual rent, removing previous restrictions [7]. - Additional support is provided for employees renting public and affordable housing, allowing for extractions based on actual rent paid [7]. Group 4: Renovation Extraction - The new regulation enhances support for employees involved in the renovation of old housing, introducing three new extraction scenarios for renovation costs [8]. - Eligible applicants include property owners and their immediate family members, with extraction limits set at the actual amount contributed to the renovation [8].

Core Insights - The Yantai government is enhancing its housing provident fund system to better serve flexible employment individuals and improve public services [1][2][3] Group 1: Housing Provident Fund Services - The Yantai Housing Provident Fund Management Center has completed 6,680 transactions for housing loan "one-stop service" from January to October, with a total loan issuance of 3.473 billion yuan [2] - Online services have been significantly improved, with a 146% increase in online processing rates compared to the end of the 13th Five-Year Plan, offering 24/7 access through various digital platforms [2] - Offline services have been optimized, allowing for city-wide processing of deposit and withdrawal services, and implementing convenient service options such as weekend operations and home visits [2] Group 2: Flexible Employment Participation - Over 30,000 flexible employment individuals have opened accounts to participate in the housing provident fund system, reflecting strong interest in the program [3] - A new policy for flexible employment individuals will be introduced in 2024, offering differentiated contributions and equal rights to benefits, with a subsidy of 1.2% on top of the existing 1.5% interest rate for those who contribute for over 12 months [3] - The Yantai center aims to expand participation among flexible employment groups, emphasizing the fairness and inclusivity of the housing provident fund system [3]

Core Viewpoint - The new regulations for the Shenzhen Housing Provident Fund aim to better meet the diverse housing consumption needs of employees by expanding the conditions for fund withdrawal and introducing new scenarios for housing-related withdrawals, effective from December 15, 2025 [1] Group 1: Home Purchase Withdrawal - The new regulations allow employees and their family members to withdraw funds for the down payment when purchasing a home in Shenzhen, with specific limits based on the number of properties owned [1] - Employees can withdraw the full balance of their provident fund if they own one property, or 60% of the balance if they own two properties, with the total not exceeding the unpaid down payment [1] - Employees can only choose one method of withdrawal if they meet both home purchase and down payment withdrawal conditions [1] Group 2: Tax Payment Withdrawal - The regulations introduce a new provision allowing employees to withdraw funds to pay for taxes related to the purchase of their first or second home, with the withdrawal amount not exceeding the actual tax paid [2] - The scope of withdrawal for repaying loans for homes purchased outside Shenzhen has been expanded to nationwide, allowing employees to withdraw funds for loan repayments on their first or second home [2] Group 3: Rental Withdrawal - The new regulations establish a phased adjustment mechanism for rental withdrawal limits, particularly supporting families with multiple children and those renting subsidized housing [3] - The standard monthly withdrawal limit remains at 65% of the current month's contribution, but will increase to 80% for non-homeowning employees from November 1, 2025, for two years [3] - The regulations also remove the previous requirement of having at least one minor child for families with two or more children to withdraw 100% of their contributions or actual rent [3] Group 4: Support for Housing Renovation - The new regulations enhance support for employees involved in old housing renovation projects by introducing three new withdrawal categories: self-funded renovation, installation or replacement of old elevators, and increased area for relocation [4] - The ongoing adjustments in housing provident fund policies across various cities indicate a trend towards optimizing the use scenarios and expanding the range of withdrawals, which is expected to stabilize the real estate market [4]