深圳住房公积金提取新规来了，12月15日起施行

Core Viewpoint - The new regulations for the Shenzhen Housing Provident Fund aim to better meet the diverse housing consumption needs of employees by expanding the conditions for fund withdrawal and introducing new scenarios for housing-related withdrawals, effective from December 15, 2025 [1] Group 1: Home Purchase Withdrawal - The new regulations allow employees and their family members to withdraw funds for the down payment when purchasing a home in Shenzhen, with specific limits based on the number of properties owned [1] - Employees can withdraw the full balance of their provident fund if they own one property, or 60% of the balance if they own two properties, with the total not exceeding the unpaid down payment [1] - Employees can only choose one method of withdrawal if they meet both home purchase and down payment withdrawal conditions [1] Group 2: Tax Payment Withdrawal - The regulations introduce a new provision allowing employees to withdraw funds to pay for taxes related to the purchase of their first or second home, with the withdrawal amount not exceeding the actual tax paid [2] - The scope of withdrawal for repaying loans for homes purchased outside Shenzhen has been expanded to nationwide, allowing employees to withdraw funds for loan repayments on their first or second home [2] Group 3: Rental Withdrawal - The new regulations establish a phased adjustment mechanism for rental withdrawal limits, particularly supporting families with multiple children and those renting subsidized housing [3] - The standard monthly withdrawal limit remains at 65% of the current month's contribution, but will increase to 80% for non-homeowning employees from November 1, 2025, for two years [3] - The regulations also remove the previous requirement of having at least one minor child for families with two or more children to withdraw 100% of their contributions or actual rent [3] Group 4: Support for Housing Renovation - The new regulations enhance support for employees involved in old housing renovation projects by introducing three new withdrawal categories: self-funded renovation, installation or replacement of old elevators, and increased area for relocation [4] - The ongoing adjustments in housing provident fund policies across various cities indicate a trend towards optimizing the use scenarios and expanding the range of withdrawals, which is expected to stabilize the real estate market [4]