CCTV News: Since the beginning of this year, more than 20 cities across the country have introduced measures to optimize and adjust housing provident fund. The reporter found that many cities will increase the housing provident fund loan amount, reduce the down payment ratio, and support flexible employment personnel as important contents of policy optimization.

Many places have issued policies on adjusting and optimizing provident fund

Since February, various places have intensively introduced policies on optimizing housing provident fund loans. Cities such as Dalian, Jinan, and Changsha have all increased the housing provident fund loan quota to varying degrees.

The reporter sorted out and found that the maximum loan amount for various places has increased by hundreds of thousands of yuan, and the maximum loan amount for highly educated talents, families with many children and green buildings has also been floated to varying degrees.

In addition, localities have also made detailed adjustments to the housing provident fund policies for specific groups. Tianjin, Yichang, Lanzhou and other places have clearly included flexible employment personnel such as individual business households and freelancers in the scope of housing provident fund payment. In principle, they can also enjoy multiple rights and interests such as "commercial to public" and "multi-child family provident fund loan support policy".

Wang Liang, head of the collection management section of Yichang Housing Provident Fund Center: When flexible employment personnel participate in the provident fund system, they can freely choose to pay monthly or mobile payment. At the same time, if there is no unpaid provident fund loan under your name, you can also freely withdraw funds in your provident fund account when you need it.

Chengdu responded to the national policy of delaying retirement and extended the maturity date of housing provident fund loans. Men should not exceed 68 years old and women should not exceed 63 years old, which means that the repayment period was extended by 3 years, which will help reduce the pressure on repayment.

Associate Researcher Cai Zhen, Institute of Finance, Chinese Academy of Social Sciences: We have also noticed that this new provident fund policy is to formulate policies that adapt to local conditions based on their own characteristics, which has released the potential of buying a house and renting a house. Moreover, this also reflects that policies are more refined and precise than in the past, which is conducive to further optimization and promotion of policies.

Beijing: Pilot housing provident fund direct payment of rent

"Direct payment of rent" refers to the withdrawal method of the provident fund center transfers the housing provident fund that the depositor can withdraw from its provident fund account to the pilot housing rental institution account on a monthly basis based on the authorization and application of the depositor, which is used to pay rent.

Wang Xian, Director of the Collection Law Enforcement Department of Beijing Housing Provident Fund Management Center: The Provident Fund Center and relevant leasing institutions have realized data interconnection and can automatically obtain house rental information, so that qualified depositors can apply for zero materials.

After the implementation of the new policy, many citizens have handled the "direct rent payment" business. As personnel return to work, the number of people benefiting the policy will gradually increase.

The reporter learned that the depositor does not need to pay the rent first, and then apply for withdrawal of provident fund, effectively reducing the cost of renting a house for the depositor. In addition, housing rental institutions can realize timely collection of rents, reduce cash flow pressure, and improve the comprehensive competitiveness of the market.

Zhang Guowei, Director of Beijing Housing Provident Fund Management Center: The coverage of direct rent payment this time is relatively comprehensive, including commercial housing rental, guaranteed rental housing rental, and public rental housing rental. The tenant and lessor have a win-win situation, solving the difficulties of rental companies in regular monthly rent collections and promoting the better and healthy development of the rental market.

Beijing Housing Provident Fund Management Center stated that this year, it will continue to connect with other housing rental institutions based on the pilot effect and will be promoted and implemented throughout the city one after another.

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

Data shows that in recent years, the amount and number of people withdrawing housing provident fund in my country have increased rapidly, and more than 15 million new citizens, young people and other contribution groups have been supported to withdraw housing provident fund to pay rent every year, of which more than 80% of them are young people under the age of 40.

Many places support housing provident fund purchases in other places

From February 1 this year, Xiamen citizens will cancel their household registration or work certificates when purchasing housing provident fund purchases in other places in the province. After the policy adjustment, if the Xiamen depositors purchase their own housing in other cities and cities in the province after February 1, 2025, they will no longer be restricted by their registered residence or workplace restrictions, and will achieve barrier-free withdrawal across the province.

Not only Xiamen, Putian, Nanping and other places have also optimized the intergenerational mutual assistance policy for housing provident fund within the province. Intergenerational mutual aid refers to the purchase of self-occupied housing within the province and meets the conditions for purchasing a house. The parents and children of the buyer can apply for withdrawing housing provident fund to support the purchase of a house.

The reporter learned that the extractors of the withdrawal of house purchases in the province should withdraw in a certain order, and there are corresponding regulations on the amount of withdrawal. The total amount of housing provident fund that the buyer, the parents and children of the buyer can apply for withdrawal shall not exceed the total price of the house.

Chen Fang, head of the Credit Section of Putian Housing Provident Fund Management Center: For example, the total price of buying a house is 1 million, and the down payment is about 15%. If there is 300,000 or 400,000 yuan in the provident fund account of the home buyer or the parents' provident fund account, you can directly add the purchase price of the house.

Industry insiders said that the two policies of off-site extraction and intergenerational mutual assistance have formed a policy combination, which quickly breaks down the barriers to the use of provident fund in the province and helps promote the rational flow of talents. At the same time, the intergenerational mutual aid mechanism has innovated the housing financial support model, which is of exemplary significance for improving the multi-subject supply and multi-channel housing guarantee system.