北京公积金新政：直付房租，可“按季划转”！解读来了

Core Viewpoint - The Beijing Housing Provident Fund Management Center has announced an expansion of the pilot program for direct rent payment using housing provident funds, aiming to better meet the rental housing consumption needs of contributors [1][3]. Summary by Sections Background of the Notification - The notification is part of the effort to implement the central government's housing policy, promoting a rental and purchase housing system, and increasing support for contributors renting housing [3]. Optimizations to the Pilot Program - The frequency of rent payment has been increased to include "quarterly direct payment" in addition to the existing "monthly direct payment" option [4][5]. - The application period for the direct rent payment has been extended to the validity period of the housing rental contract, allowing for the processing of existing contracts [5]. Expansion of the Pilot Program - The coverage of rental sources has been expanded, increasing the total number of trial housing units from 40,000 to 330,000, and adding three public rental housing projects [6]. Withdrawal Limits for Direct Rent Payment - For monthly withdrawals, the limit is based on the lesser of the monthly rent or the monthly provident fund contribution, with special provisions for families with multiple children [7][8]. - For quarterly withdrawals, the limit is based on the lesser of the quarterly rent or three times the monthly provident fund contribution, with similar provisions for families with multiple children [9][10]. Payment of Rent Shortfalls - Any shortfall between the automatic transfer amount and the rent must be negotiated between the contributor and the rental institution [12]. Transition from Other Withdrawal Types - Contributors who have previously applied for other types of housing fund withdrawals can switch to the direct rent payment option, with specific conditions regarding the timing of applications [15][16]. Inquiry on Fund Transfer Information - Contributors can receive notifications about fund transfers through the "Beijing Provident Fund" public account and can check their account status through various online and offline channels [17][18]. Spousal Withdrawal Conditions - A spouse can apply for withdrawal due to marriage only after the first rent payment has been made under the direct rent payment program [20].