银川公积金新政落地，提取覆盖适老适幼改造

Core Viewpoint - The new housing provident fund policy in Yinchuan aims to support housing demand and promote high-quality development in the real estate market through expanded withdrawal options and optimized loan rules [1][2]. Group 1: Policy Adjustments - The new policy introduces additional scenarios for provident fund withdrawals, including home modifications for the elderly and disabled, effective until December 31, 2027 [1]. - Withdrawals for housing structural reinforcement, self-renovation, and original reconstruction are capped at a maximum of 100,000 yuan, with the total not exceeding actual expenses [1]. - For energy-efficient renovations of self-occupied homes built before the end of 2005, withdrawals can reach up to 50,000 yuan [1]. - A new annual withdrawal policy allows homebuyers to withdraw from their provident fund within five years of purchasing a home, with the total not exceeding the purchase price [1]. Group 2: Loan Optimization - The policy allows couples to apply for a second provident fund loan after marriage if they have each used one loan before marriage and have repaid it [2]. - Veterans can apply for provident fund loans with a 20% increase over the maximum limit, without being restricted by balance multiples [2]. - Families with multiple children can receive increased loan limits, with an additional 200,000 yuan for families with two children and 300,000 yuan for families with more than two children [2]. - Families with a continuous contribution of 10 years or a cumulative contribution of 15 years without using a loan are exempt from balance multiple restrictions, with this policy becoming a permanent adjustment [2].