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]

在2024年陕西省住房公积金缴存职工中，国家机关和事业单位占32.44%，国有企业占29.42%； 中、低收入占97.16%，高收入占2.84%。新开户职工中，国家机关和事业单位占18%，国有企业占 16.7%；中、低收入占99.44%，高收入占0.56%。提取金额中，购买、建造、翻建、大修自住住房的占 25.42%，偿还购房贷款本息的占40.81%；提取职工中，中、低收入占90.73%，高收入占9.27%。 2024年，全省住房公积金系统突出"服务品牌打造年"主题，加大住房公积金对购买保障性住房以及 新市民、青年人等住房困难群体的支持力度，全年共为缴存人提取50.98亿元满足46.69万人租房需求， 为674名缴存人提取5663.85万元用于老旧小区加装电梯改造。 2024年，全省有242.8万名缴存职工提取住房公积金，提取额625.26亿元、同比增长6.35%，提取额 占当年缴存额的69.98%，比上年增加0.88个百分点。2024年末，陕西省住房公积金提取总额4618.85亿 元，比上年末增长15.66%。 2024年，全省发放住房公积金个人住房贷款7.17万笔、419.71亿元，同比分别减少26.39 ...

Core Insights - The 2024 annual report of Guangdong's housing provident fund reveals significant data on housing loans and withdrawals, indicating a strong focus on supporting young homebuyers and renters [1][5]. Housing Loan Distribution - In 2024, Guangdong issued 15.23 million personal housing loans totaling 1017.02 billion yuan, with an average loan amount of 667,800 yuan, reflecting a year-on-year decrease of 24.60% and 14.63% respectively [4]. - Over 51% of loan recipients are aged between 30 and 40, highlighting the demographic focus on young first-time homebuyers [4]. - The majority of loans (89.46%) are for first-time home purchases, with 58.42% allocated for new homes and 33.99% for second-hand homes [4]. Provident Fund Contributions - In 2024, Guangdong saw a net increase of 4.21 million new units and 289.46 million new employees contributing to the housing provident fund, with total contributions reaching 408.85 billion yuan, a year-on-year increase of 4.99% [2]. - Non-public enterprises account for over 80% of new contributors, with a notable increase in contributions from flexible employment workers [2]. Rental Withdrawals - A total of 12.09 million individuals withdrew from the housing provident fund, amounting to 333.91 billion yuan, with 681.37 million people using the funds for rental purposes, representing 56.35% of total withdrawals [5]. - The rental withdrawal amount increased by 42.74% year-on-year, indicating a growing reliance on the provident fund for rental support [5]. City-Specific Data - Guangzhou, Shenzhen, and Dongguan lead in the number of contributions and withdrawals, with Guangzhou contributing 131.25 billion yuan and Shenzhen 122.71 billion yuan [3].

Group 1 - The core report indicates that in 2024, Jiangsu Province had 587,100 contributing units and 16.83 million contributing employees, with total contributions amounting to 324.16 billion yuan, reflecting year-on-year growth of 7.57%, 3.14%, and 6.72% respectively [1] - The number of flexible employment participants in the housing fund system has rapidly increased, with 220,300 individuals contributing a total of 2.43 billion yuan, marking year-on-year growth of 11.84% and 26.89% respectively [1] - A total of 9.02 million contributing employees withdrew 241.14 billion yuan from the housing fund, representing a year-on-year increase of 6.25%, with 11.75% of withdrawals for purchasing or building housing and 57.54% for repaying housing loans [1] Group 2 - Jiangsu has implemented measures to support housing needs, including allowing withdrawals for rent, increasing withdrawal limits and frequency, and promoting direct payment of rent from the housing fund, resulting in 1.84 million individuals withdrawing 19.83 billion yuan for rent, with year-on-year increases of 28.22% and 42.74% respectively [2] - The province has also adjusted housing loan policies, including lowering interest rates, increasing maximum loan amounts, and promoting various loan types to support green buildings and housing upgrades [2] - In 2024, a total of 262,800 personal housing loans were issued, a decrease of 12.66%, while the total amount of personal housing loans reached 177.27 billion yuan, an increase of 9.07%, with 86.37% of loans for first-time home purchases [2] - The application of digital renminbi in the housing fund sector has been steadily advanced, with over 80 billion yuan settled using digital renminbi across various cities in Jiangsu [2]