杭州改进住房公积金提取机制

Core Viewpoint - The Hangzhou Housing Provident Fund Management Committee has announced new policies to optimize the extraction mechanism of housing provident funds, aimed at enhancing support for employees' housing consumption [1][3]. Group 1: Housing Purchase Support - Employees purchasing affordable housing can extract housing provident funds to pay for down payments, with the total extraction not exceeding the purchase price [1]. - For those using housing provident fund loans, the extraction amount combined with the loan cannot exceed the total price of the purchased housing [1]. Group 2: Rental Support - Employees renting public rental housing or affordable rental housing can extract housing provident funds based on actual rent paid [3]. - The city encourages collaboration between housing provident fund management centers and rental agencies to provide stable rental sources and additional benefits, allowing for a 50% increase in extraction limits based on actual rent exceeding standard limits [3]. Group 3: Urban Renewal and Maintenance - The policies support the extraction of housing provident funds for urban renewal and housing maintenance, allowing employees and their immediate family members to use the funds for costs related to elevator updates in old residential buildings and shared maintenance in properties undergoing renovation [3]. Group 4: Withdrawal Conditions - The notification relaxes conditions for employees to withdraw housing provident funds after leaving their jobs, allowing withdrawals after six months of account suspension if no further contributions are made [3]. - The process for withdrawing small amounts from deceased employees' housing provident fund accounts has been simplified, with a threshold of 50,000 yuan for direct family members to withdraw without needing legal documentation [3]. Group 5: Implementation Timeline - The new policies will be implemented citywide in Hangzhou starting from May 21, 2025 [4].