杭州：公积金可缴纳自住物业费

Core Viewpoint - The article discusses the optimization of housing provident fund policies in Hangzhou, effective from April 1, 2026, aimed at better meeting the housing needs of depositors and their families [1][10]. Group 1: Loan Policy Changes - The maximum loan amount for housing provident fund has been increased from 1.3 million yuan to 1.8 million yuan, with individual loan limits set at a maximum of 900,000 yuan [3][4]. - The calculation multiplier for individual loan limits has been adjusted from 15 times to 20 times [4]. Group 2: Loan Limit Increases - Specific groups such as new citizens and young families can have their loan limits increased by 20% [5]. - Families with multiple children or high-level talent can have their loan limits increased by 50% [6][7]. - For families purchasing newly built green low-carbon buildings or those engaging in "old-for-new" housing transactions, loan limits can also be increased by 20% [8]. Group 3: Withdrawal Policies - Depositors and their spouses can withdraw from their housing provident fund to pay property taxes for their self-owned housing, with a maximum withdrawal of 10,000 yuan per year for one property [8]. - Withdrawals for purchasing or building self-owned housing can occur up to three times, with a total amount not exceeding actual expenditures [9]. - Family members can also withdraw from their provident fund accounts to cover housing loan principal and interest if the primary depositor's account balance is insufficient [9].