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 adding multiple withdrawal scenarios and relaxing withdrawal conditions, effective from December 15, 2025 [1] Group 1: Home Purchase Withdrawal - The new regulations allow employees and their family members to withdraw housing provident fund for down payments when purchasing homes in Shenzhen, with specific limits based on the number of properties owned [1] - Employees can withdraw the full balance of their housing provident fund if they own one property, and 60% of the balance if they own two properties, with the total not exceeding the unpaid down payment [1] - Employees can only choose one withdrawal method if they meet both home purchase and down payment withdrawal conditions [1] - Funds withdrawn for down payments can still be counted towards the loan eligibility for ordinary housing provident fund loans, allowing for simultaneous withdrawal and loan application [1] Group 2: Tax Payment Withdrawal - The new regulations introduce a withdrawal option for housing provident fund to pay taxes related to the purchase of the first or second home, with the withdrawal amount not exceeding the actual tax paid [2] - Employees can apply for simultaneous withdrawal and loan application at the counter when processing down payment withdrawals [2] Group 3: Rental Withdrawal - The new regulations establish a phased adjustment mechanism for rental withdrawal limits, increasing support for 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 can be increased to 80% for non-homeowning employees from November 1, 2025, for two years [3] - The regulations expand support for rental withdrawals, allowing families with two or more children to withdraw up to 100% of their monthly contributions or actual rent without the previous requirement of having at least one minor child [3] Group 4: Support for Housing Renovation - The new regulations enhance support for employees involved in old housing renovation projects, introducing three new withdrawal options for self-funded renovations, elevator upgrades, and increased area for relocation [4] - The ongoing adjustments in housing provident fund policies across various cities aim to optimize usage scenarios and improve withdrawal conditions, with expectations for further policy adjustments to support real estate stabilization [4]