On December 27, the Fujian Provincial Housing Provident Fund Management Center released five new policies, involving adjustments to the minimum down payment ratio for housing provident fund loans, which will take effect on January 1, 2025. Among them, for families using the housing provident fund loan for the first or second time to purchase self-occupied housing, the minimum down payment ratio is uniformly adjusted to 20%. The down payment ratio for using the housing provident fund loan to purchase existing housing is adjusted as follows: for existing housing built within 10 years (inclusive), the minimum down payment ratio is 20%; for existing housing built between 10 and 20 years (inclusive), the minimum down payment ratio is 30%; for existing housing built between 20 and 30 years (inclusive), the minimum down payment ratio is 40%. In addition, the Fujian Housing Provident Fund Management Committee has reviewed and approved the decision to adjust the maturity date of housing provident fund loans, allowing the repayment period of housing provident fund loans to be extended to 5 years after the legal retirement age, with a maximum loan term not exceeding 30 years.