CCTV News: Recently, the "Special Action Plan to Boost Consumption" issued proposed to reduce the interest rate of housing provident fund loans in a timely manner. Recently, Shenzhen, Guilin and other places have successively introduced measures to optimize and adjust housing provident fund.
The new policy on Shenzhen's housing provident fund will be implemented on March 24, which clearly states that the maximum basic amount of individual applications will be increased from 500,000 yuan to 600,000 yuan, and the maximum basic amount of family applications will be increased from 900,000 yuan to 1.1 million yuan.
In addition, the situation and proportion of the maximum amount of housing provident fund loans have been adjusted. For example, the increase in the purchase of first-time houses in Shenzhen has increased from 20% to 40%, and the increase in the purchase of houses for multiple children has increased from 10% to 50%. If the floating ratio meets various situations, the floating ratio can be added, with a maximum increase of 110%, that is, the maximum loan of individuals is 1.26 million yuan and the maximum loan of households is 2.31 million yuan.
Experts said that this adjustment covers the main home buyers in the Shenzhen real estate market. According to statistics, in 2024, second-hand housing transactions with a total price of less than 3 million yuan accounted for 35.4%.
Not just Shenzhen, the Housing Fund Management Center of Henan Provincial Government Offices has issued a new policy, which has carried out comprehensive optimization and upgrading in terms of loan thresholds, quotas, etc. When purchasing self-occupied housing in Zhengzhou city, the maximum loan amount will be increased from 1 million yuan to 1.2 million yuan, and a family with multiple children can be loaned up to 1.44 million yuan. At the same time, loan restrictions have been relaxed, and large apartments can also apply for loans after adjustment. Regardless of the size of the house, as long as it meets other provident fund loan regulations, you can apply normally.
Guilin, Guangxi has also made it clear recently that the minimum down payment ratio for applying for housing provident fund loans for purchase of affordable housing has been adjusted from the original 20% to 15%, supporting the withdrawal of housing provident fund for second-home loans, lowering the threshold for buying houses, and reducing the pressure on housing purchases for middle- and low-income families. Increase the limit, reduce the interest rate, expand the scope, and the adjustment direction is clear.
From the measures that have been introduced, the new policies for optimizing and adjusting housing provident fund include: expanding the scope of use of housing provident fund, reducing restrictions, and increasing loan quotas. Experts analyzed that this will also become an important direction for various places to optimize housing provident fund policies in the future.
At present, the interest rate for housing provident fund loans for more than 5 years is 2.85% for the first house and 3.325% for the second house. Experts said that after the interest rate of commercial personal housing loans has dropped sharply, the interest rate of housing provident fund loans has been reduced in a timely manner, and maintaining an appropriate interest rate gap with commercial loans will help better support residents to use provident fund to buy and rent houses, and further reduce the cost of home buyers to buy property.
In addition, the "Special Action Plan to Boost Consumption" also clearly states that the scope of use of housing provident fund should be expanded, which can not only be used to repay loans, but also to pay down payments. Since 2024, more than 100 cities including Guangzhou, Hangzhou, Qiannan, etc. have supported withdrawing housing provident fund balances to pay down payment for home purchases. Experts said that after the action plan is announced, more cities will implement policies. Many places help flexible employment personnel to pay housing provident fund. The "Special Action Plan to Boost Consumption" also clearly states that it is necessary to promote the pilot work of flexible employment personnel to pay housing provident fund. In this regard, some places have also begun to explore and promote.
Recently, 7 pilot cities for flexible employment personnel in Shandong, including Jinan and Qingdao, Shandong, have unified access to the WeChat mini program of the National Housing Provident Fund Public Service Platform. Flexible employment personnel can log in to the mini program through WeChat and enter relevant information to open personal accounts and handle payment services.
At the Farmers' Market in Fushansou, Qingdao City, staff at the Qingdao Housing Provident Fund Management Center are telling merchants how flexible employment personnel can apply for housing provident fund account opening and payment. After listening to the explanation, Zhao Shenghua, a 42-year-old seafood merchant, went through the account opening procedures on the spot through his mobile phone.
At present, 63,000 flexible employment personnel in Qingdao have contributed 170 million yuan in provident fund, covering individual industrial and commercial households, online car-hailing drivers, express delivery personnel and other flexible employment personnel. The payment frequency, amount and withdrawal method can be independently selected according to your own needs and income level.
Recently, Cangzhou, Hebei Province issued a plan to support flexible employment personnel to improve their living standards. It is clear that people who are over 16 years old and who are not up to the legal retirement age, have good credit, and are employed by self-employed people can pay their own deposits. They can independently choose the deposit model and quota within the specified quota range, and also support remote transfer and continuation.
In addition, in Tianjin, Lanzhou, Yichang, Yinchuan and other places, flexible employment personnel such as individual business households and freelancers have also been included in the scope of housing provident fund payment. In principle, they can enjoy multiple rights and interests such as commercial to public and multi-child families provident fund loan support policies.
