第三，区域政策更加差异化。从地域看，一线城市近期比较聚焦于人才与多孩家庭，比如深圳通过提取 政策覆盖购房全流程，吸引人才落户，北京加大了公积金对多子女家庭购房的支持力度。而二、三线城 市，则强化对刚需和改善性住房需求的支持，一些城市还在试点一些创新政策，比如镇江针对灵活就业 人员，取消了开户的户籍限制，而且可在10%至24%间灵活选择缴存比例。 9月份以来，全国多个省市继续优化调整住房公积金政策，广州进一步发布住房公积金提取新规定，明 确公积金既可以用于支付二手房、配售型保障房的首付款，也能提取出来用于老旧电梯更新改造。住房 公积金政策主要有三大变化： 第一，提取场景更加多元化。现在，提取公积金不仅可以用于支付首付款，还可以用于租房与保障性住 房提取，还可以提取用于老旧住宅的电梯更新、加装电梯等等。简单来说，就是提取的范围更广了，能 用的地方更多了。 第二，贷款支持更加精准化。近期的政策中，各地纷纷通过提升贷款额度、延长贷款期限、支持异地购 房贷款等精准匹配，来满足更多缴存人的住房消费需求。 今年以来，住房公积金优化调整已经成为政策发力的一个重点领域。相关机构数据显示，为了减轻购房 者的还贷压力，仅是今年三季 ...

《通知》围绕"住有所居、住有宜居"的目标，推出两大新举措，支持缴存人多样化住房消费需求，减轻 购房资金压力，推动老旧小区改造。 9月28日，广州住房公积金管理中心、市规划和自然资源局、市住房和城乡建设局、市市场监督管理局 联合发布《关于优化住房公积金提取政策的通知》（下称《通知》），进一步释放住房公积金政策红 利，新政自发布当日起实施。 《通知》扩大了住房公积金提取范围，明确提取住房公积金支付购房首付款的房源类型，从"预售商品 住房"扩大至"现售商品住房、存量商品住房、配售型保障性住房及共有产权住房"，不再限制首套或二 套住房，实现购房情形全覆盖，更多缴存人可享受政策利好，多维度助力住房消费。 《通知》在原来"既有住宅增设电梯"可提取住房公积金的基础上，将"老旧电梯更新改造"也纳入了提取 范围。房屋所有权人及其配偶在工程竣工验收后，可凭相关材料提取住房公积金，用于支付家庭分摊的 更新改造费用，提取总额不超过实际支付金额。这一政策更好满足了居民改善性住房需求，助力老旧小 区设施更新，保障乘梯安全。 缴存人提取公积金支付首付款后，不影响申请住房公积金贷款，已提取金额仍可计入可贷额度计算，更 大程度减轻购房家庭负担 ...

广东省城乡规划院住房政策研究中心首席研究员李宇嘉认为，此次广州公积金政策优化的意义还实现了 几个"突破"。首先，房地产市场进入存量时代，广州二手房交易面积和套数都高于新房。这次优化尊重 了当前楼市的实际状况，将公积金提取范围增加至存量商品住房、配售型保障性住房或者共有产权住 房，具有扩大购房人选择权的实际意义；其次，政策优化有利于促进"卖旧买新"或"卖一买一"的改善型 循环，不推动二手房的销售，想带动新房的成交很难，因此这一政策也能侧面带动新房市场的成交；除 了用于购房，这次优化政策还提及"住宅实施老旧电梯更新改造"。当前，商品房交易的下滑造成公积金 池子水位上升，公积金的冗余沉淀比较多，而公积金提取范围的扩大能够有效盘活公积金沉淀资金。 据中指研究院统计，今年以来全国已有超30个市（区）出台提取住房公积金支付购房首付款的新政，其 中，北京、上海、广州等一线城市都已明确可以申请公积金用于支付购房首付款。除了广州，今年已有 多个二三线城市优化住房公积金政策，扩大住房公积金的支付使用范围，从一手房扩大至二手房等多个 场景。例如，青岛市住房公积金管理中心优化完善住房公积金提取政策，将首付款提取范围扩大至二手 房，同 ...

与此同时，购房补贴力度在今年第三季度进一步加大，特别是针对多孩家庭的定向补贴，成为释放改善 性需求的"关键变量"，不少地区购房补贴可高达数十万元。 金融端创新政策亦在持续发力，不少地区相继鼓励商业银行提供"低月供"金融产品。 2025年第三季度，各地创新政策举措，持续巩固房地产市场止跌回稳态势。 中指研究院监测数据显示，截至9月27日，全国约200个省市（县）累计出台房地产相关政策超470条， 其中第三季度出台超120条。政策不仅涵盖公积金提取范围拓宽、购房补贴定向加码等消费端举措，也 包括金融端创新探索，政策工具箱不断丰富。 多措并举释放需求 今年第三季度，住房公积金优化与购房补贴成为"稳楼市"重要举措。据中指研究院统计，2025年前三季 度，全国各地调整公积金政策约220条，其中第三季度超60条。政策范围包括提高贷款额度、延长还款 期限、扩大可提取范围，以及对多孩家庭、灵活就业群体的差异化支持，不少政策具有较大创新性。 如9月28日，广州住房公积金管理中心发布通知，首次将公积金支持范围全面拓展至二手房市场。相关 通知提及，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 ...

新华财经上海9月19日电据上海市公积金管理中心18日消息，上海市住房公积金管理委员会发布《关于 2025年度上海市调整住房公积金缴存基数、比例以及月缴存额上下限的通知》。 根据通知，住房公积金缴存基数最高不超过37302元，最低不低于2690元。 缴存比例上，（一）住房公积金缴存比例：单位和职工住房公积金缴存比例为各5%～7%（取整数 值）。单位可以在上述比例范围内，自主确定住房公积金具体缴存比例。（二）补充住房公积金缴存比 例：缴存住房公积金的单位可以按照自愿原则参加补充住房公积金制度。单位和职工补充住房公积金缴 存比例为各1%～5%（取整数值），具体缴存比例由单位根据实际情况确定。（三）降低住房公积金缴 存比例或缓缴：符合规定情形的企业，可以按照《上海市住房公积金缴存管理办法》（沪公积金管委会 〔2023〕3号）等相关规定，申请降低住房公积金缴存比例或缓缴。 | 7% | 7% | 3448元 | 338元 | ୧୬୧ | 2956元 | 290元 | ୧୪୫ | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | ટેન ...

Group 1 - The People's Bank of China announced on August 25 that the pricing mechanism for commercial personal housing loans in Shanghai will no longer differentiate between first and second homes, which is expected to reduce the interest burden on residents [1][2] - The new unified loan rate for second homes in Shanghai's core urban areas is set at LPR-45 basis points, down from LPR-5 basis points for first homes, which will alleviate repayment pressure for families with multiple properties [1] - Over 95% of first-time homebuyer projects rely on bank mortgage loans, indicating that the removal of the interest rate difference will help improve repayment pressure for various groups and stimulate demand for upgrades [1] Group 2 - The announcement also grants banks the autonomy to determine specific loan rates based on their operational conditions and customer risk profiles, allowing for more flexible credit resource allocation and improved risk management [2] - The Shanghai Municipal Housing and Urban-Rural Development Committee has relaxed housing purchase restrictions, allowing eligible families to buy an unlimited number of homes outside the outer ring of the city [2] - The new policies include an increase in the housing provident fund loan limit and support for using the fund for down payments, which will not affect the calculation of loan limits [3] Group 3 - The policies also include a temporary exemption from property tax for first-time home purchases by non-Shanghai residents, with a tax exemption of 60 square meters per person for second homes and beyond, effective from January 1, 2025 [3]

Core Viewpoint - Shanghai's housing policy adjustments aim to optimize housing provident fund policies to support homebuyers and stimulate the real estate market [1] Summary by Relevant Categories Housing Provident Fund Policy Adjustments - The maximum loan limit for individuals purchasing new green buildings rated two stars or above is increased by 15% [1] - The first home loan limit is raised from 1.6 million yuan to 1.84 million yuan, with multi-child families able to stack the increase, raising the limit from 1.92 million yuan to 2.16 million yuan [1] - The second home loan limit is increased from 1.3 million yuan to 1.495 million yuan [1] Support for Down Payments - Homebuyers can withdraw their housing provident fund to pay for the down payment when purchasing newly built presale properties in the city [1] Loan and Withdrawal Flexibility - The policy allows for simultaneous withdrawal and loan application from the housing provident fund, meaning that withdrawing funds for the down payment does not affect the calculation of the loan limit [1]

Monetary Policy and Market Operations - The People's Bank of China conducted a 7-day reverse repurchase operation of 253 billion yuan at an interest rate of 1.40%, maintaining the previous rate, resulting in a net injection of 124.3 billion yuan after 128.7 billion yuan of reverse repos matured on the same day [1] - The Shanghai Interbank Offered Rate (Shibor) for short-term instruments fell across the board, with the 7-day Shibor dropping below 1.5%, specifically, the overnight Shibor decreased by 0.70 basis points to 1.4660%, and the 7-day Shibor fell by 3.90 basis points to 1.4950% [1] Interbank Repo Market - In the interbank pledged repo market, various instruments saw slight declines, with the 7-day rates experiencing both volume and price drops. The weighted average rates for DR001 and R001 fell by 1.0 basis points and 4.3 basis points, respectively, with transaction volumes increasing by 168.2 billion yuan and 229.4 billion yuan [3] - The weighted average rates for DR007 and R007 decreased by 5.4 basis points and 4.2 basis points, with transaction volumes decreasing by 10.5 billion yuan and 129.7 billion yuan, respectively [3] Money Market Trends - The money market showed a balanced but slightly tight situation in the morning, which shifted to a looser state after the open market operations. Overnight pledged rates for certificates of deposit traded around 1.60%-1.65%, while 7-day rates were around 1.55%-1.57% [7] - By the afternoon, the money market maintained a balanced to slightly loose stance, with overnight pledged rates dropping to as low as 1.45% [7] Green Finance Initiatives - The State Administration of Foreign Exchange has decided to pilot green foreign debt business in 16 provinces and cities, encouraging non-financial enterprises to use cross-border financing for green or low-carbon transformation projects. This initiative aims to enhance the financing scale for such projects and streamline the registration process for foreign debt [9] Housing Fund Policy - The Chengdu Housing Provident Fund Management Committee issued a notice optimizing housing provident fund policies, including lowering down payment ratios, increasing loan limits, and supporting various housing-related financial activities [10]

Group 1 - Recent adjustments to housing provident fund policies have been made across multiple regions in China to enhance housing security and support for residents [1][3] - Hainan Province has initiated a program to acquire existing commercial housing for use as affordable housing and to improve living conditions in urban villages and dilapidated areas [1] - Suzhou has expanded the use of housing provident funds, allowing contributors to withdraw funds annually for property management fees, thereby alleviating housing-related financial burdens [3] Group 2 - Beijing has implemented measures to increase support for housing provident funds, including optimizing first home recognition standards and increasing loan limits for second homes [3] - In the first half of the year, nearly 150 adjustments to housing provident fund policies were recorded nationwide, focusing on increasing loan limits, optimizing housing unit recognition, and supporting down payment withdrawals [3] - The policy adjustments primarily target the core needs of first-time homebuyers and those upgrading their housing [3]

Group 1 - Recent adjustments to housing provident fund policies have been made in multiple regions, including Hainan, Suzhou, and Beijing, aimed at optimizing housing market conditions [1][2] - Hainan's new policy includes the acquisition of existing commercial housing for public rental use and the use of provident fund gains for purchasing housing [1] - Suzhou's policy allows for the withdrawal of housing provident funds to pay property management fees, effective from September 1, with a limit of one withdrawal per year not exceeding the actual payment [1] Group 2 - Beijing's new housing policy enhances support for provident funds by optimizing first home recognition standards, increasing loan limits for second homes, and allowing withdrawals for down payments while applying for loans [1][2] - The China Index Academy reported nearly 150 adjustments to provident fund policies across various regions in the first half of the year, focusing on increasing loan limits and extending repayment periods [1] - Experts predict that local governments will continue to adjust the use of provident funds to support urban renewal and new real estate models, which are seen as long-term measures to stabilize the housing market [2]