人民财讯9月28日电，9月28日，广州住房公积金管理中心发布《关于优化住房公积金提取政策的通 知》。根据通知，缴存人及其配偶购买广州市行政区域内现售商品住房、存量商品住房、配售型保障性 住房或者共有产权住房，可申请提取住房公积金用于支付购房首付款；缴存人及其配偶在广州市行政区 域内为其拥有所有权的住宅实施老旧电梯更新改造，可申请提取住房公积金用于支付家庭分摊费用。该 通知自印发之日起施行。 ...

央视网消息：据广州住房公积金管理中心网站消息，9月28日，广州住房公积金管理中心等部门发布关于优化住房公积金 提取政策的通知。为进一步发挥住房公积金作用，更好满足广大缴存人住房消费需求，经广州市住房公积金管理委员会 审议通过，现将优化住房公积金提取政策有关事项通知如下： 一、缴存人及其配偶购买广州市行政区域内现售商品住房、存量商品住房、配售型保障性住房或者共有产权住房，可申 请提取住房公积金用于支付购房首付款。 二、缴存人及其配偶在广州市行政区域内为其拥有所有权的住宅实施老旧电梯更新改造，可申请提取住房公积金用于支 付家庭分摊费用。 ...

Core Viewpoint - The Shenzhen Municipal Housing and Construction Bureau has released draft amendments to the "Shenzhen Housing Provident Fund Management Measures" and "Shenzhen Housing Provident Fund Withdrawal Management Regulations," aiming to enhance support for employees' housing consumption needs through new withdrawal scenarios and flexible contribution options [1][3][5]. Group 1: New Withdrawal Scenarios - Six new withdrawal scenarios are proposed to support employees' housing consumption, including: - Withdrawal for down payments on first or second homes, allowing full withdrawal for first homes and 60% for second homes [3]. - Withdrawal for housing taxes, applicable to both first and second homes, limited to the actual tax amount paid [3]. - Nationwide loan repayment withdrawal for first and second homes, with specific monthly withdrawal limits [3]. - Withdrawal for increased housing area during relocation from urban renewal projects [3]. - Withdrawal for the renovation of old residential areas, allowing property owners to withdraw funds based on their actual contributions [4]. - Withdrawal for adding or replacing elevators in existing residential buildings, following similar rules as for old residential area renovations [4]. Group 2: Rental Withdrawal Policy Optimization - The draft proposes to optimize the rental withdrawal policy to support employees without homes: - Establishment of a phased adjustment mechanism for rental withdrawal limits, increasing the limit from 65% to 80% for a two-year period starting November 1, 2025 [6]. - Removal of the requirement for at least one minor child for families with two or more children to withdraw funds for rent [6]. - Introduction of withdrawal options for employees renting affordable housing, allowing them to withdraw based on actual rent paid [6]. Group 3: Contribution Flexibility - The draft amendments aim to enhance contribution flexibility by allowing employees to choose their personal contribution rates, with a maximum of 12%, to better meet their housing loan needs [7].

Core Viewpoint - The Qingdao Housing Provident Fund Management Center has introduced a new policy for the withdrawal of down payments, aimed at expanding the scope, increasing scenarios, and simplifying processes to better meet the diverse financial needs of contributors [1] Group 1: Policy Changes - The new policy expands the range of down payment withdrawals to include second-hand housing, allowing contributors and their spouses to withdraw funds for down payments on second-hand homes in addition to new commercial housing or affordable housing [1] - For homes classified as affordable housing or the first and second self-occupied homes, contributors' parents and children can also withdraw provident fund for down payments, alleviating financial pressure [1] Group 2: Additional Scenarios - The policy introduces a new scenario for withdrawing funds for elevator upgrades, allowing homeowners and their spouses, as well as both sets of parents and children, to withdraw provident fund within their actual contribution limits for the installation or upgrading of elevators to improve living conditions [1]

Core Viewpoint - The Hangzhou Housing Provident Fund Management Committee has announced new policies to optimize the extraction mechanism of housing provident funds, aimed at enhancing support for employees' housing consumption [1][3]. Group 1: Housing Purchase Support - Employees purchasing affordable housing can extract housing provident funds to pay for down payments, with the total extraction not exceeding the purchase price [1]. - For those using housing provident fund loans, the extraction amount combined with the loan cannot exceed the total price of the purchased housing [1]. Group 2: Rental Support - Employees renting public rental housing or affordable rental housing can extract housing provident funds based on actual rent paid [3]. - The city encourages collaboration between housing provident fund management centers and rental agencies to provide stable rental sources and additional benefits, allowing for a 50% increase in extraction limits based on actual rent exceeding standard limits [3]. Group 3: Urban Renewal and Maintenance - The policies support the extraction of housing provident funds for urban renewal and housing maintenance, allowing employees and their immediate family members to use the funds for costs related to elevator updates in old residential buildings and shared maintenance in properties undergoing renovation [3]. Group 4: Withdrawal Conditions - The notification relaxes conditions for employees to withdraw housing provident funds after leaving their jobs, allowing withdrawals after six months of account suspension if no further contributions are made [3]. - The process for withdrawing small amounts from deceased employees' housing provident fund accounts has been simplified, with a threshold of 50,000 yuan for direct family members to withdraw without needing legal documentation [3]. Group 5: Implementation Timeline - The new policies will be implemented citywide in Hangzhou starting from May 21, 2025 [4].