记者还了解到，在稍早前的9月25日，东莞出台楼市新政，明确加大住房公积金支持力度，首套房、二 套房最高贷款额度统一提高至150万元，并支持缴存人提取住房公积金支付住房贷款首付款。紧接着，9 月26日，东莞市住房公积金管理中心发布政策解读称，公积金首付提扩展到现售新建商品住房和存量商 品住房，具体操作指引于今年10月发布实施。 值得注意的是，早在今年4月，东莞市住房公积金管理中心在接受南都N视频记者专访时就曾表示，争 取扩大公积金首付款提取范围，将一手现房和二手房纳入进来。据其介绍，提取住房公积金支付一手现 房和二手住房首付款存在一定风险，推行这一模式需要打通不少难点堵点，但给市民带来的便利性将会 是巨大的。 首付提办理流程： 首付提由申请人提出申请，公积金中心、东莞市住房和城乡建设局（下称住建局）、广东省东莞市东莞 公证处（下称公证处）、出卖方根据各自职责分工配合做好相关工作: （一）购买现售新建商品住房 10月9日，东莞市住房公积金管理中心官网发布关于印发《东莞市提取住房公积金支付现售新建商品住 房、存量商品住房首付款操作指引》的通知。这也意味着，东莞公积金提取新政正式落地实施。今后东 莞市民无论是买新房还 ...

9月28日，广州住房公积金管理中心等部门联合发布《关于优化住房公积金提取政策的通知》。通知从 两个方面优化当地住房公积金提取政策，扩大了原有提取使用的范围。 通知提到，其一，住房公积金缴存人及其配偶购买广州市行政区域内现售商品住房、存量商品住房、配 售型保障性住房或者共有产权住房，可申请提取住房公积金用于支付购房首付款。 其二，缴存人及其配偶在广州市行政区域内为其拥有所有权的住宅实施老旧电梯更新改造，可申请提取 住房公积金用于支付家庭分摊费用。 【纠错】 【责任编辑:谷玥】 此前，广州仅明确购房人及其配偶在广州市行政区域内购买新建商品住房可将住房公积金用于支付购房 首付款。（记者钟焯） ...

Core Viewpoint - The Shenzhen Municipal Housing and Construction Bureau has released draft amendments to the "Shenzhen Housing Provident Fund Management Measures" and "Shenzhen Housing Provident Fund Withdrawal Management Regulations," aiming to enhance support for employees' housing consumption needs through new withdrawal scenarios and flexible contribution options [1][3][5]. Group 1: New Withdrawal Scenarios - Six new withdrawal scenarios are proposed to support employees' housing consumption, including: - Withdrawal for down payments on first or second homes, allowing full withdrawal for first homes and 60% for second homes [3]. - Withdrawal for housing taxes, applicable to both first and second homes, limited to the actual tax amount paid [3]. - Nationwide loan repayment withdrawal for first and second homes, with specific monthly withdrawal limits [3]. - Withdrawal for increased housing area during relocation from urban renewal projects [3]. - Withdrawal for the renovation of old residential areas, allowing property owners to withdraw funds based on their actual contributions [4]. - Withdrawal for adding or replacing elevators in existing residential buildings, following similar rules as for old residential area renovations [4]. Group 2: Rental Withdrawal Policy Optimization - The draft proposes to optimize the rental withdrawal policy to support employees without homes: - Establishment of a phased adjustment mechanism for rental withdrawal limits, increasing the limit from 65% to 80% for a two-year period starting November 1, 2025 [6]. - Removal of the requirement for at least one minor child for families with two or more children to withdraw funds for rent [6]. - Introduction of withdrawal options for employees renting affordable housing, allowing them to withdraw based on actual rent paid [6]. Group 3: Contribution Flexibility - The draft amendments aim to enhance contribution flexibility by allowing employees to choose their personal contribution rates, with a maximum of 12%, to better meet their housing loan needs [7].

Core Insights - Shenzhen's housing provident fund management center has implemented policies aimed at enhancing public welfare and improving service efficiency, focusing on addressing the pain points of citizens [1][2][10] Group 1: Housing Loan Statistics - As of July 2025, Shenzhen has issued a total of 530,800 personal housing loans amounting to 371.763 billion yuan [1] - The cumulative funds collected reached 979.267 billion yuan, with 634.484 billion yuan withdrawn by employees, including 250.101 billion yuan for rental withdrawals [1] Group 2: Policy Adjustments - New regulations introduced in March 2025 aim to enhance the housing provident fund system, featuring higher loan limits, lower down payment ratios, and increased interest subsidies [2][3] - The maximum loan amount for individuals has been raised from 500,000 yuan to 600,000 yuan, and for families from 900,000 yuan to 1.1 million yuan, with potential increases based on specific conditions [3] Group 3: Loan Accessibility - The minimum down payment ratio has been standardized to 20% for purchasing commercial housing, and 15% for affordable housing [4] - Restrictions on non-resident loans have been lifted, allowing non-local contributors to apply for housing loans in Shenzhen regardless of their residency status [5] Group 4: Interest Subsidies - Interest subsidy rates have been increased, with the maximum subsidy reaching 20% for contributors with over ten years of contributions [5] Group 5: Technological Innovations - The integration of AI and blockchain technologies has been initiated to streamline the housing provident fund withdrawal process, allowing for instant fund transfers [7][8] - A public service model named "Shen Xiao i" has been launched to facilitate real-time interactions for various housing fund services [8] Group 6: Regional Cooperation - Shenzhen has signed cooperation agreements with five cities to enhance the collaborative development of housing provident funds, improving service accessibility for cross-city residents [9] Group 7: Recognition and Achievements - The Shenzhen housing provident fund center has received national honors for its service improvements and digital transformation efforts, including the establishment of a high-level digital archive [10][12]

Core Insights - The article highlights the significant improvements in the efficiency of housing provident fund services in Heze City, attributed to the implementation of data governance initiatives [1][3]. Group 1: Data Governance Implementation - The Heze Housing Provident Fund Management Center has established a scientific data governance system to support the digital transformation of its services [3]. - A systematic approach has been adopted, focusing on "planning guidance, source governance, and long-term empowerment," creating a comprehensive management mechanism covering data collection, verification, and rectification [3]. - The center has formed a collaborative work structure involving leadership oversight, task delegation among business departments, and technical support from IT departments [3]. Group 2: Solutions to Common Issues - The center has developed specific solutions to address common issues such as information gaps and duplicate accounts by integrating data with departments like public security and market regulation [5]. - New data verification rules have been added to the business system, significantly reducing the rate of missing information during transactions [5]. - The system now allows real-time linkage between loan approvals and deposit information, eliminating the need for repeated document submissions [5]. Group 3: Service Efficiency and Future Plans - The innovations have led to enhanced service efficiency, with offerings like "no proof required for housing fund withdrawal" and "automatic approval for commercial loan repayment" [5]. - The center aims to further deepen its digital transformation and introduce more smart service scenarios, contributing to the high-quality development of the housing provident fund industry [6]. - The ongoing publication of the "Data Quality Analysis Report" is driving continuous service optimization and enhancing public satisfaction [5][6].

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]

Group 1 - The notice outlines measures for employees affected by flooding, allowing them to withdraw their housing provident fund balance for home repairs [3] - Employees whose homes are uninhabitable due to flooding can apply to withdraw housing provident funds to pay for rental housing without the usual three-month continuous contribution requirement [4][5] - The application process involves coordination between the housing provident fund management department and local government agencies to ensure accurate implementation of support measures [6] Group 2 - The temporary support measures will be in effect until November 30, 2025 [7] - The notice was issued by the Beijing Housing Provident Fund Management Center on August 18, 2025 [8]

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]