天津推出购存量房提取住房公积金支付首付款新举措

Core Points - Tianjin Housing Provident Fund Management Center has launched a new service allowing eligible contributors to withdraw their housing provident fund to pay the down payment for purchasing existing homes [1] Group 1: Application Conditions - Applicants must meet the following criteria to withdraw their housing provident fund for down payment: 1. Purchase existing homes within Tianjin using housing provident fund (combined) loans or mortgage loans [1] 2. Conduct fund custody services with a bank that handles existing home transaction fund supervision [1] 3. The custody bank must have a network cooperation with the municipal provident fund management center [1] Group 2: Processing Method - After signing the fund custody agreement with the bank, applicants need to provide the following documents: 1. Personal identification [2] 2. Fund custody agreement [2] 3. Application form for withdrawing housing provident fund for down payment [2] 4. Marriage certificate if withdrawing spouse's fund [2] - Upon approval, the bank will transfer the withdrawn funds to the agreed custody account, and after property registration, the funds will be transferred to the seller's account [2] Group 3: Convenience Advantages - Direct use of housing provident fund for down payment eliminates the need for reimbursement, reducing transaction costs [3] - "One-stop" processing allows applicants to handle the fund withdrawal and custody agreement at the same time, with 50 service points available for convenience [4] - Borrowers can choose their loan bank based on personal needs, not limited to the bank handling this service [5] - The amount withdrawn does not affect the calculation of the housing provident fund loan limit for the same property [6] Group 4: Processing Points - Construction Bank and Industrial and Commercial Bank have partnered with the center, and applicants can apply at designated branches [7]