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][11]. 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][13]. - A new provision allows employees and their family members to withdraw funds for the down payment of a home before it is fully paid. Families with one home can withdraw the full balance, while those with two homes can withdraw 60% of the balance, not exceeding the unpaid down payment [3][15]. - The regulations support a "withdraw and loan" approach, allowing the withdrawn amount to be included in the calculation of the loan limit for ordinary housing provident fund loans [21][22]. - The application period for home purchase withdrawals has been extended from three years to five years, allowing employees to apply for withdrawals up to five years after the purchase date [4][26]. Group 2: Tax Payment and Loan Repayment - New provisions allow 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 [5][27]. - The scope of loan repayment withdrawals has been expanded from the city to nationwide, allowing employees to withdraw funds for repaying loans on their first or second homes across the country [29][30]. Group 3: Rental Support - The new regulations introduce a phased adjustment mechanism for rental withdrawal limits, increasing the monthly withdrawal limit from 65% to 80% of the current month's contribution for a two-year period starting November 1, 2025, for employees without homes [39][40]. - The support for rental withdrawals has been expanded to include families with two or more children, removing the previous requirement of having at least one minor child [45]. - Employees renting public rental housing can continue to withdraw based on actual rent, and new support is provided for those renting affordable housing [46]. Group 4: Urban Renewal Support - The regulations enhance support for employees involved in urban renewal projects by introducing three new withdrawal categories: self-funded renovation of old housing, installation or replacement of old elevators, and increased area for relocated housing [8][47]. - The total withdrawal amount for urban renewal projects cannot exceed the actual contribution made by the applicant [48].