新增购房首付款提取，深圳公积金两项规定征求意见

Core Viewpoint - The Shenzhen Municipal Housing and Construction Bureau has released draft amendments to the "Shenzhen Housing Provident Fund Management Measures" and "Shenzhen Housing Provident Fund Withdrawal Management Regulations," aiming to enhance support for employees' housing consumption needs through new withdrawal scenarios and flexible contribution options [1][3][5]. Group 1: New Withdrawal Scenarios - Six new withdrawal scenarios are proposed to support employees' housing consumption, including: - Withdrawal for down payments on first or second homes, allowing full withdrawal for first homes and 60% for second homes [3]. - Withdrawal for housing taxes, applicable to both first and second homes, limited to the actual tax amount paid [3]. - Nationwide loan repayment withdrawal for first and second homes, with specific monthly withdrawal limits [3]. - Withdrawal for increased housing area during relocation from urban renewal projects [3]. - Withdrawal for the renovation of old residential areas, allowing property owners to withdraw funds based on their actual contributions [4]. - Withdrawal for adding or replacing elevators in existing residential buildings, following similar rules as for old residential area renovations [4]. Group 2: Rental Withdrawal Policy Optimization - The draft proposes to optimize the rental withdrawal policy to support employees without homes: - Establishment of a phased adjustment mechanism for rental withdrawal limits, increasing the limit from 65% to 80% for a two-year period starting November 1, 2025 [6]. - Removal of the requirement for at least one minor child for families with two or more children to withdraw funds for rent [6]. - Introduction of withdrawal options for employees renting affordable housing, allowing them to withdraw based on actual rent paid [6]. Group 3: Contribution Flexibility - The draft amendments aim to enhance contribution flexibility by allowing employees to choose their personal contribution rates, with a maximum of 12%, to better meet their housing loan needs [7].