深圳拟扩大住房公积金使用范围 可提取公积金支付购房首付款

Core Viewpoint - Shenzhen has introduced measures to boost consumption and stabilize the housing market, following the national "Consumption Promotion Special Action Plan" released in March 2023 [1][2]. Group 1: Housing Fund Policy Adjustments - The "Shenzhen Consumption Promotion Special Action Implementation Plan" allows for the extraction of housing provident fund for down payments on homes within the city [1]. - Implementation details for using the housing fund for down payments are currently being drafted by the Shenzhen Housing and Construction Bureau [2]. - The maximum loan amount for individuals has been increased from 500,000 yuan to 600,000 yuan, and for families from 900,000 yuan to 1,100,000 yuan [2]. Group 2: Loan Rate and Support Measures - The plan includes a rise in the maximum floating rate for first-time home purchases from 20% to 40%, and for families with two or more children, the rate increases from 10% to 50% [3]. - The cumulative floating rate can reach up to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [3]. Group 3: Market Performance - From January to May 2023, new home sales in Shenzhen increased by 41% year-on-year, while second-hand home transactions rose by 44%, outperforming other first-tier cities [3]. Group 4: Rental Support and Talent Housing Policies - Starting November 1, 2025, the monthly withdrawal limit for housing provident fund for rent will increase from 65% to 80% of the monthly contribution [3]. - Shenzhen plans to implement housing support policies for young talents, aiming to enhance the multi-tiered rental housing supply structure [3][4]. - By the end of 2024, Shenzhen is expected to provide over 180,000 units of guaranteed housing for various talents [4].