楼市利好！新增购房首付款提取 深圳市住房公积金新规来了

Core Viewpoint - The Shenzhen Municipal Housing Provident Fund Management Committee has released a new set of regulations aimed at optimizing the withdrawal of housing provident funds to better support employees in purchasing and renting homes, effective from December 15, 2025 [1][9]. Group 1: Home Purchase Support - The new regulations introduce multiple scenarios for fund withdrawal related to home purchases, easing conditions to better meet the housing needs of employees [2][12]. - A new provision allows employees and their family members to withdraw funds for down payments on homes before full payment is made, with specific limits based on the number of properties owned [3][13]. - The regulations support a "withdraw and loan" approach, allowing withdrawn funds to be counted towards the loan eligibility for housing provident fund loans, enhancing financial flexibility for homebuyers [2][14]. - The application period for home purchase withdrawals has been extended from 3 years to 5 years, allowing more time for employees to apply [3][12]. - New provisions for tax payment withdrawals related to home purchases have been introduced, allowing employees to withdraw funds to cover taxes within a 5-year window [3][12]. - The scope for loan repayment withdrawals has been expanded to include nationwide loans, allowing employees to withdraw funds for repaying loans on homes outside Shenzhen [3][12]. Group 2: Rental Support - The new regulations enhance rental withdrawal policies, particularly for families with multiple children and those renting subsidized housing, to better support employees without homes [4][5]. - A phased adjustment mechanism for rental withdrawal limits has been introduced, increasing the monthly withdrawal cap from 65% to 80% of the employee's contribution for a two-year period starting November 1, 2025 [4][5]. - The regulations now allow families with two or more children to withdraw funds for rent without the previous requirement of having at least one minor child [5]. - Additional support has been provided for employees involved in the renovation of old housing, with new withdrawal options for self-funded renovations and upgrades [5][15].