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 for the withdrawal of housing provident funds, aimed at enhancing support for employees in purchasing and renting homes, with the new rules set to take effect on December 15, 2025 [1] 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 [3] - A new provision allows employees and their family members to withdraw housing provident funds for down payments before they are fully paid, with specific limits based on the number of properties owned [3] - The regulations support a "withdraw and loan" approach, allowing the withdrawn amount to be included in the calculation of the loan limit for ordinary housing provident fund loans [3] - The application period for home purchase withdrawals has been extended from 3 years to 5 years, applicable to both local and out-of-city purchases [4] - New provisions allow for the withdrawal of funds to pay for housing taxes and extend the scope of loan repayment withdrawals to nationwide, with specific limits based on the number of properties owned [4] Group 2: Rental Support - The new regulations enhance rental withdrawal policies to better support employees without homes, particularly those with multiple children and those renting subsidized housing [5][6] - A phased adjustment mechanism for rental withdrawal limits has been introduced, increasing the monthly withdrawal limit from 65% to 80% of the current month's contribution for a two-year period starting November 1, 2025 [6] - The support for rental withdrawals has been expanded to include families with two or more children, removing previous restrictions, and also includes support for those renting subsidized housing [6] Group 3: Urban Renewal Support - The new regulations increase support for employees participating in urban renewal projects, introducing new withdrawal options for self-funded renovations and improvements to old housing [7]