2022年，全國住房公積金各項業務運行平穩，住房公積金繳存額31935.05億元，發放個人住房貸款247.75萬筆、11841.85億元。截至2022年底，個人住房貸款率達78.94%。

China issued over 1.18 trillion yuan worth of mortgage loans from the housing provident fund in 2022, benefitting more home buyers, official data showed Thursday.

住房和城鄉建設部、財政部、中國人民銀行6月8日聯合發布的《全國住房公積金2022年年度報告》顯示，2022年住房公積金制度惠及面進一步擴大，發放個人住房貸款超1.18萬億元。

The interest rates on these loans are 0.9 to 1.35 percentage points lower than the benchmark loan prime rate, which is estimated to save borrowers around 208.9 billion yuan in interest payments, according to a report jointly released by the Ministry of Finance, the Ministry of Housing and Urban-Rural Development and the People's Bank of China.

住房公積金貸款利率比同期貸款市場報價利率（LPR）低0.9至1.35個百分點，償還期內可為貸款職工節約利息支出約2089億元。

Over 67.83 million people withdrew a total of 2.14 trillion yuan from the fund last year, the report reveals. The number of entities and persons contributing to the fund are up by 8.8 percent and 3.31 percent over the previous year, respectively.

2022年，全國有6783萬人提取住房公積金共2.14萬億元。全年住房公積金實繳單位和實繳職工分別比上年增長8.80%和3.31%。

Chongqing and five other cities have established pilot projects to promote the coverage of the fund among new urban residents and young people, with a view to meeting their housing needs. A total of 220,300 flexibly employed people are now covered by the fund in those cities.

重慶等6個城市穩步推進靈活就業人員參加住房公積金制度試點工作，助力解決大城市新市民、青年人的住房問題。6個試點城市共有22.03萬名靈活就業人員繳存住房公積金，其中新市民、青年人占比較大。

【相關詞匯】

保障性租賃住房 government-subsidized rental housing

共有產權住房 homes with shared ownership

新型城鎮化  new type of urbanization

住房保障體系 the housing support system

城鎮老舊小區改造  renovation of old urban residential communities

改善人居環境 improve the living environment

（來源：新華社  編輯：yaning）