CCTV News: Since 2025, many places across the country have intensively adjusted and optimized housing provident fund policies. Many cities have increased housing provident fund loan quotas, reduced down payment ratios, and supported flexible employment personnel as important contents of policy optimization. Among them, the withdrawal of housing provident fund for direct payment of rent and supporting housing purchases in other places is the highlight of this round of policy adjustments. Many cities have increased the housing provident fund loan quota

Since February 2025, cities such as Dalian, Jinan, and Changsha have increased the housing provident fund loan quota to varying degrees, and have also increased the maximum loan quota for highly educated talents, families with many children and green buildings. Expand the scope of housing provident fund contribution personnel

Tianjin, Yichang, Lanzhou and other places have clearly included individual industrial and commercial households, freelancers and other flexible employment personnel in the scope of housing provident fund contribution. In principle, they can also enjoy multiple rights and interests such as "commercial to public" and "multi-child family provident fund loan support policy". Chengdu extends the maturity date of housing provident fund loan

Chengdu responds to the country's policy of delaying retirement and extends the maturity date of housing provident fund loans. Men should not be over 68 years old, and women should not be over 63 years old, which means that the repayment period is extended by 3 years, which will help reduce the pressure on repaying loans. Beijing pilots direct payment of housing provident fund rent

Beijing recently launched a pilot project of direct payment of housing provident fund rent. According to the authorization and application of the depositor, the provident fund center will transfer the housing provident fund that the depositor can withdraw directly from its account to the pilot housing rental agency account on a monthly basis to pay rent. Fujian supports purchasing housing in other places and withdrawing provident fund from intergenerational mutual assistance

When Xiamen citizens purchase housing in other places in Fujian Province, they are no longer restricted by their registered residence or workplace restrictions, and they can achieve barrier-free withdrawal of provident fund across the province. In addition, Xiamen, Putian, Nanping and other places have optimized the intergenerational mutual assistance policy for housing provident fund within the province. Parents and children of home buyers can apply for withdrawal of housing provident fund to support home buyers to purchase houses. Many places have issued policies to adjust and optimize housing provident fund

Shanghai, Qingdao and other places have increased support for housing provident fund withdrawal by increasing the amount of rental rental withdrawal, increasing the frequency of withdrawal, reducing withdrawal restrictions, and expanding coverage.