12月15日施行新规，告别“提了钱就贷不多” 住房公积金可“既提又贷”

Core Viewpoint - The new regulations for housing provident fund withdrawals in Shenzhen allow employees to withdraw funds for down payments while still being eligible for loans, addressing previous concerns about reduced loan amounts after withdrawals [1][2][3]. Group 1: New Withdrawal Regulations - The new regulations enable employees to withdraw housing provident funds for down payments before fully paying them, facilitating the home buying process [2]. - Families with one property can withdraw the full balance of their housing provident fund, while those with two properties can withdraw 60% of their balance, with limits based on the unpaid down payment [2][4]. - The "both withdraw and loan" mechanism allows the withdrawn amount to still count towards the loan eligibility calculation, thus not affecting the loan amount available to the employee [3]. Group 2: Expanded Support Measures - The new regulations introduce additional withdrawal scenarios, including tax payment withdrawals and loan repayments for properties purchased outside Shenzhen, enhancing support for employees' housing needs [4]. - The application period for housing withdrawals has been extended from three years to five years, allowing more time for employees to apply for withdrawals after purchasing a home [4]. - Employees can now withdraw funds to pay for housing taxes, with the withdrawal amount limited to the actual tax paid, and applications must be made within five years of tax receipt issuance [4].