Core Viewpoint - Recent policy adjustments in multiple regions aim to relax housing provident fund regulations to stimulate housing consumption and support families in purchasing homes [1][2]. Group 1: Policy Adjustments - Chongqing has introduced measures to optimize the withdrawal process for housing provident funds when purchasing existing homes, easing conditions for full payment purchases [2][3]. - Hubei has announced five new policies, including raising loan limits, adjusting loan terms, and removing restrictions on withdrawals for purchasing homes outside the local area [4]. - Nanjing has implemented support policies for families with multiple children, increasing the maximum loan limit by 20% and allowing higher withdrawal limits for rent payments [6]. Group 2: Specific Measures - In Chongqing, employees can withdraw housing provident funds after six months of purchasing a home with their own funds, with a withdrawal limit set at the total purchase price [3]. - Hubei's new policies include unifying loan limits for first and second homes, increasing loan limits for high-quality housing by at least 20%, and allowing loan terms to extend up to 30 years [4][5]. - Nanjing's support for multi-child families includes a maximum loan limit of 116 million yuan per person and 144 million yuan per household, along with a 20% increase in the monthly rent withdrawal limit [6].

之前有不少小伙伴想知道 如果深圳公积金不在深圳买房 去别的地方买房 可以申请购房提取吗？ 能申请深圳公积金贷款吗？ 小编今天就给大家出一个 深圳公积金异地使用攻略 可以申请异地购房提取吗？ 职工或其家庭成员（配偶和未成年子女）购买异地具有所有权住房（含商品房、政策性住房或保障性住房），购房发票、契税税票、专用收据等票据开具 时间与职工申请提取时间相隔三年以内的，可申请提取职工本人住房公积金账户内的金额。同一套住房，职工只能办理一次购房提取。 ✅可以申请异地购房提取吗？ ✅提取额度 先说答案，异地买房是可以申请深圳公积金购房提取的，接下来小编给你们细细说来。 （1）职工本人及其家庭成员合计仅有一套住房时：可提取额不超过账户余额，且不超过购房总价款；（理论上可实现全额提取） ✅异地购房提取条件 （2）职工本人及其家庭成员合计有两套及以上住房的：可提取额不超过账户余额的百分之六十，且不超过购房总价款。 ✅第一步：可以在【深圳公安】公众号查询，也可以扫描下方二维码，跳转【深圳本地宝】公众号，回复【公积金】关键词，即可获取预约提取入口。 ✅第二步：打开"广东住房公积金"小程序，点击"办事"后，然后点击"异地购房提取" ...

为进一步优化住房公积金使用政策，满足居民刚性和多样化改善性住房需求，促进房地产市场平稳运 行，日前，湖北省住建厅正式出台并印发《关于进一步优化住房公积金使用政策促进房地产市场平稳运 行的通知》(以下简称"《通知》")，并从即日起实施。 《通知》围绕提高贷款额度、调整贷款期限、拓宽住房公积金应用场景、取消异地购房提取限制、支持 使用住房公积金直付租金等五个方面，推出了系列惠民便民新政。此次政策调整覆盖面广、力度大，不 仅在购房贷款层面给予强力支持，更在老旧小区改造、家庭"一老一小"需求等民生痛点上实现重要突 破。 支持"代际互助"赋能城市更新 数据显示，截至2025年8月底，湖北已累计加装电梯10047台，有效提升了居民生活便利度和社区环境品 质。为进一步加大支持力度，破解资金难题，此次《通知》在拓宽公积金应用场景上迈出了关键一步。 《通知》明确规定，支持缴存人及其直系亲属(包括配偶、父母、子女)提取住房公积金，用于支付老旧 住宅电梯加装更新的个人分摊费用。省住建厅公积金处负责人对此进行了解读，他表示，此前的政策在 省内各地市并不统一，提取范围和力度均有局限。新政的亮点主要有两方面，一是支持代际互助，允许 直系 ...

西安的宝子们快看过来喽 大家都知道公积金是可以提取的 尤其在买房时 许多宝子们会选择 提取公积金来缓解一部分经济压力 那目前在西安买房提取公积金额度是多少？都有哪些条件要求? 今天快随小编一起去看看吧 在西安买房， 公积金提取额度是多少？ 01 小提示：在【西安本地宝】微信后台对话框回复【公积金提取】查看具体申请方法申请材料、申请地址和咨询电话。 住房公积金购买商品房 02 购买预售商品住房 （含经济适用房、共有产权房） 提取额度： 个人公积金账户内应保留不低于三个月缴存额，无个人住房贷款的，同一套住房的所有提取人累计提取总额不得超过购房总价 款；有个人住房贷款（非本中心公积金贷款）的，同一套住房的所有提取人累计提取总额不得超过合同规定的首付款金额。 办理条件及对象： ⏰申请时限： 自购房合同签定（备案）之日起五年内，同一套房提取人只能办理一次提取手续，超过时限不予受理。 购买自住预售商品住房（含经济适用房、共有产权房），购房人及其配偶、子女、父母可以申请提取个人住房公积金账户 内的存储金额。 购房合同中买受人为两人及以上的，其他共同买受人与主购房人之间为配偶或直系血亲关系时，买受人及其配偶、子女、 父母均可 ...

Domestic News - Premier Li Qiang will visit Singapore from October 25 to 26 and attend the East Asia Cooperation Leaders' Series Meetings in Malaysia from October 27 to 28 [1] - He Lifeng emphasized the need to focus on risk management and prevent financial "explosions" while supporting economic development in the fourth quarter [1] - Wang Wentao stated that China should leverage its large market to become a global hub for innovation and attract foreign investment [2] - The People's Bank of China reported that the total RMB loans increased by 14.75 trillion yuan in the first three quarters, with a total balance of 270.39 trillion yuan as of the end of Q3 2025, reflecting a year-on-year growth of 6.6% [2] Industry Developments - The China Logistics and Purchasing Federation initiated a proposal to combat "involution" in the warehousing industry, advocating for fair pricing and quality standards [3] - The Ministry of Finance reported that national lottery sales reached 476.14 billion yuan in the first nine months of the year, marking a 1.5% year-on-year increase [3] - Guangdong Province announced measures to support the high-quality development of the low-altitude economy, particularly in public service applications [4] Economic Data - The latest data shows that the core consumer price index (CPI) in Japan rose by 2.9% year-on-year in September, marking 49 consecutive months of increase [6] - The UK retail sales increased by 0.5% month-on-month in September, exceeding market expectations and reaching the highest level since July 2022 [6]

Core Insights - Shenzhen's housing provident fund policy will temporarily increase the rental withdrawal ratio to 100% until October 31, 2025, after which it will be adjusted to 80% of the monthly contribution for non-homeowners from November 1, 2025, to October 31, 2027 [1][2] - As of September 28, 2023, the total accumulated housing provident fund in Shenzhen has surpassed 1 trillion yuan, reflecting a significant growth from 218 billion yuan in 2011 to over 1 trillion yuan in 2025, with an average annual growth rate in double digits over 15 years [1][2] Group 1: Policy Changes - The adjustment in the rental withdrawal ratio is part of the "Shenzhen Consumption Promotion Special Action Implementation Plan" aimed at stimulating housing demand [1] - Other cities are also adjusting their housing provident fund policies, with over 30 cities implementing new policies to allow the use of provident funds for down payments this year [2] Group 2: Demographics and Market Trends - Shenzhen's housing provident fund system has a broad coverage, including non-public enterprises and flexible employment groups, which is relatively advanced compared to other regions [2] - The average first-time home purchase age in Shenzhen is approximately 38 years, indicating that many young residents have not yet entered the housing market, reducing immediate demand for provident fund loans [2]

Core Insights - Shenzhen has achieved a historic milestone by accumulating over 1 trillion yuan in housing provident fund contributions in less than 15 years, significantly faster than other major cities like Beijing, Shanghai, and Guangzhou [1][3][4] Group 1: Accumulation Timeline - Beijing established its housing provident fund system in 1992 and reached the 1 trillion yuan mark in 2017, taking 25 years [2] - Shanghai's system began in 1991, with the 1 trillion yuan milestone achieved in 2019, taking 28 years [2] - Guangzhou, also starting in 1992, is projected to reach this milestone in 2023, taking 31 years [2] - Shenzhen, which implemented the system in 2010, is expected to reach the 1 trillion yuan mark by 2025, taking only 15 years [2] Group 2: Factors Contributing to Rapid Growth - Shenzhen's rapid accumulation is attributed to two main pillars: continuous expansion of the coverage of the system and ongoing upgrades in management capabilities [2][4] - The city has broadened its coverage to include non-public enterprises and flexible employment groups, leading to a larger contributor base [4] - The demographic structure in Shenzhen, with a younger population and many new residents, contributes to a "net contributor" status, where contributions exceed withdrawals and loans [4] Group 3: Fund Management and Utilization - As of September 2025, over 2.6 billion yuan has been withdrawn for rent payments, with the total withdrawal amount reaching 600 billion yuan, of which over 87% is for housing consumption [5] - Shenzhen has optimized its extraction and loan policies, including innovative models like "commercial to public" loans with minimal documentation requirements [6] - A comprehensive risk prevention and control system has been established to safeguard the funds, enhancing the efficiency of fund utilization [6] Group 4: Value-Added Earnings - In 2024, the value-added earnings from housing provident funds varied across cities, with Shanghai leading at 13.71 billion yuan, followed by Beijing at 11.77 billion yuan, Guangzhou at 4.69 billion yuan, and Shenzhen at 4.57 billion yuan [8] - The distribution of value-added earnings primarily supports risk reserves for loans, management expenses, and funding for public rental housing construction [8]

Group 1 - Shenzhen's housing provident fund has accumulated over 1 trillion yuan, increasing by 100 billion yuan from 900 billion yuan in 2024, with over 20 million account holders [1] - The expansion of the housing provident fund provides a stable source of long-term capital for the capital market, enhancing confidence in macroeconomic stability [1] Group 2 - Guangzhou plans to invest 100 billion yuan in urban village renovations and aims to start over 150 old community renovations by 2025 [2] - The combination of renovation-driven demand and policy benefits is expected to support inventory digestion and capital recovery, reinforcing market expectations for local project sales [2] Group 3 - Zhuhai Free Trade Zone Group intends to sell 100% equity of its subsidiary, Zhuhai Gree Real Estate, to Zhuhai Toujie Holdings, focusing on de-leveraging and concentrating on its duty-free business [3] - This divestment aligns with the direction of state-owned capital concentrating on strategic industries, optimizing the company's structure and reducing debt [3] Group 4 - In the first nine months of 2025, Shanghai's real estate development investment increased by 2.2% year-on-year, while the new housing starts decreased by 26% [4] - The sales area of commercial housing reached 1,202.42 million square meters, a slight decline of 0.3%, indicating the potential effectiveness of recent real estate policy adjustments [4] Group 5 - Vanke and Chengdu Runhong Investment consortium acquired two residential land parcels in Chengdu's Pidu District at a base price, totaling 316 million yuan for 69.3 acres [5] - This acquisition continues Vanke's strategy in the Chengdu market, enhancing its regional advantage while managing costs and risks through state-owned cooperation [5]

Core Insights - The article discusses recent adjustments to housing provident fund policies across various provinces and cities in China, highlighting new regulations in Guangzhou that broaden the scope of fund withdrawals and support for housing loans [1][2]. Group 1: Policy Changes - The housing provident fund withdrawal scenarios have become more diversified, allowing funds to be used for down payments on second-hand homes, rental housing, and the renovation of old elevators [1]. - Loan support has become more precise, with local governments increasing loan limits, extending loan terms, and supporting inter-city home purchases to better meet the housing consumption needs of contributors [1]. - Regional policies are becoming more differentiated, with first-tier cities focusing on attracting talent and supporting families with multiple children, while second and third-tier cities are enhancing support for first-time buyers and improving housing needs [1]. Group 2: Policy Impact - In 2023, optimizing housing provident fund policies has become a key area of policy focus, with 43 cities implementing 55 related policies in the third quarter alone to alleviate the repayment pressure on homebuyers [2].

Core Points - The Guangzhou Housing Provident Fund Management Center and other authorities have released a new policy to optimize the housing provident fund withdrawal process, effective immediately [1][2] - The policy aims to support diverse housing consumption needs, alleviate financial pressure for homebuyers, and promote the renovation of old residential communities [1] Summary by Sections Housing Fund Withdrawal Policy - The new policy expands the range of housing fund withdrawals, allowing funds to be used for down payments on various types of housing, including existing homes and shared ownership housing, without restrictions on whether it is the first or second home [1] - The simplified process allows buyers to submit a single application with one set of documents at any service point of the Guangzhou Housing Provident Fund Management Center after signing the purchase contract and opening a bank escrow account [1] Support for Renovation - The policy now includes provisions for withdrawing housing funds for the renovation of old elevators, in addition to the existing allowance for adding elevators to existing residential buildings [2] - Homeowners can withdraw funds for their share of renovation costs after project completion, with the total withdrawal not exceeding the actual payment made [2]