来源：深圳特区报深圳市住房公积金管理中心 支持"既提又贷"。职工为筹集购房首付款提取的住房公积金，可计入其住房公积金账户余额，用于计算本套住房申请普通住房公积金贷款（不含商转公贷 款）的可贷额度，真正实现"既提又贷"。例如，职工家庭住房公积金账户余额为10万元，全额提取用于筹集购房首付款后，还可申请普通住房公积金贷 款，这10万元仍能用于可贷额度计算（按16倍计算，最高可贷160万元）。深圳市住房公积金管理中心相关负责人表示，职工到线下柜台办理购房首付款 提取时，可同步提交住房公积金贷款申请，实现"一次申请，并联办理"。 延长购房提取等申请时限。提取新规将购房提取、更新改造本市老旧住房提取等住房消费情形的申请时限，由原来的3年延长至5年。例如，职工在2021年 1月5日购买住房，则可在2026年1月5日前申请办理购房提取。住房消费情形发生时间以相关收据、发票和税票等凭证开具时间为准。职工无论在本市还是 异地购房，均适用该5年申请时限新规。 新增购房税款提取。职工及家庭成员在本市购买首套或第二套住房，可申请提取住房公积金，用于支付契税等购房税款，提取额度不超过实际缴纳税款金 额。提取申请需在税票凭证开具之日起5 ...

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 - The regulations support a "withdraw and loan" approach, allowing the withdrawn amount to be included in the calculation of the loan limit for ordinary housing provident fund loans [21][22].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].

Core Insights - Recent adjustments in housing provident fund policies across multiple regions aim to stimulate housing consumption and support families, particularly those with multiple children [1][5][6] Group 1: Policy Changes in Various Regions - Chongqing has introduced measures to optimize the withdrawal of housing provident funds for purchasing existing homes, easing conditions for full cash purchases [2] - Hubei has announced five new policies, including raising loan limits, adjusting loan terms, and removing restrictions on withdrawals for purchasing homes outside the local area [3] - Nanjing has implemented specific support policies for families with multiple children, increasing loan limits by 20% for eligible families and raising the monthly rental withdrawal limit by 20% [5][6] Group 2: Specific Policy Details - In Chongqing, employees can withdraw housing provident funds after six months of purchasing a home, with the withdrawal period extended from two years to five years [2] - Hubei's new policies include unifying loan limits for first and second homes, increasing loan limits for high-quality housing by at least 20%, and allowing withdrawals for rent payments [3][4] - Nanjing's maximum loan limit for families with multiple children is set at 116 million yuan per person and 144 million yuan per household, with annual rental withdrawal limits reaching 51,840 yuan [6]

Core Viewpoint - Recent policy adjustments in multiple regions aim to relax housing provident fund regulations to stimulate housing consumption and support families in purchasing homes [1][2]. Group 1: Policy Adjustments - Chongqing has introduced measures to optimize the withdrawal process for housing provident funds when purchasing existing homes, easing conditions for full payment purchases [2][3]. - Hubei has announced five new policies, including raising loan limits, adjusting loan terms, and removing restrictions on withdrawals for purchasing homes outside the local area [4]. - Nanjing has implemented support policies for families with multiple children, increasing the maximum loan limit by 20% and allowing higher withdrawal limits for rent payments [6]. Group 2: Specific Measures - In Chongqing, employees can withdraw housing provident funds after six months of purchasing a home with their own funds, with a withdrawal limit set at the total purchase price [3]. - Hubei's new policies include unifying loan limits for first and second homes, increasing loan limits for high-quality housing by at least 20%, and allowing loan terms to extend up to 30 years [4][5]. - Nanjing's support for multi-child families includes a maximum loan limit of 116 million yuan per person and 144 million yuan per household, along with a 20% increase in the monthly rent withdrawal limit [6].

Core Viewpoint - The recent notification from Hohhot Housing Provident Fund Center aims to optimize the process for withdrawing housing provident fund to repay personal housing commercial loans, thereby alleviating the repayment pressure on contributors [1] Group 1: Policy Changes - The new policy allows contributors to withdraw their housing provident fund to repay personal housing commercial loans in a "withdraw first, repay later" manner, as opposed to the previous "repay first, withdraw later" model [1] - Contributors can apply to withdraw their housing provident fund account balance to pay off personal housing commercial loans for themselves, their spouses, children, and parents [1] - The withdrawal amount will be directly transferred to the corresponding commercial bank's loan repayment account, and the total balance of the contributors' housing provident fund accounts must not be less than the personal housing commercial loan balance [1] Group 2: Retained Services - The previous service allowing for a one-time repayment of personal housing commercial loans using the housing provident fund will continue to be available [1] - The policy optimization is based on relevant regulations such as the "Housing Provident Fund Management Regulations" and the "Inner Mongolia Autonomous Region Housing Provident Fund Withdrawal Management Measures" [1] - The initiative aims to enhance the protective role of the housing provident fund system [1]

Core Insights - Multiple cities in China are optimizing housing fund policies to invigorate the real estate market, particularly as the fourth quarter approaches [1][2][3] - The adjustment of housing fund loan limits, such as in Nanjing, aims to support new citizens and young people, reflecting a broader trend of policy enhancements across various cities [1][2] - The recent policy changes are expected to stimulate demand and improve market conditions, with a focus on easing the financial burden on homebuyers [3][4] Group 1: Policy Adjustments - Nanjing has increased the maximum housing fund loan limit for individual contributors from 500,000 yuan to 800,000 yuan, effective until December 31, 2027 [1] - Over 30 cities have introduced new policies allowing the use of housing funds for down payments, including major cities like Beijing, Shanghai, and Guangzhou [2] - Shenzhen buyers are prioritizing a combination of housing fund and commercial loans, indicating a demand for higher loan limits [3] Group 2: Market Impact - The recent policy changes are seen as timely measures to alleviate the repayment pressure on homebuyers and stimulate both first-time and upgrade demand in the second-hand housing market [3] - Cities like Wuhan, Chongqing, and Hefei are implementing new real estate policies targeting supply and demand issues, with Chongqing introducing innovative measures to support housing consumption [3] - The overall trend indicates a shift towards activating demand and optimizing supply, with over 470 policy measures introduced across approximately 200 provinces and cities by the third quarter of 2025 [3]

Core Viewpoint - Hefei City Housing Provident Fund Management Committee has announced new policies to optimize housing provident fund loan policies to better meet residents' rigid housing needs and diverse improvement housing demands [1] Group 1: Policy Changes - The recognition standard for first-time homebuyers has been optimized, allowing borrowers whose families have cleared their first housing provident fund loan nationwide and have no property in the purchase area to apply for first-time homebuyer policies [1] - The combined loan policy has been optimized, with the public housing fund loan for new commercial housing not exceeding 80% of the total housing price, and the public housing fund loan for affordable housing not exceeding 85% of the total housing price [1] - For second-hand housing, the public housing fund loan cannot exceed the maximum loan amount corresponding to the age of the house [1] Group 2: Implementation Details - The new policies will take effect from the date of publication and will remain valid for five years [1]

Core Points - The Guangzhou Housing Provident Fund Management Center and other authorities have released a new policy to optimize the housing provident fund withdrawal process, effective immediately [1][2] - The policy aims to support diverse housing consumption needs, alleviate financial pressure for homebuyers, and promote the renovation of old residential communities [1] Summary by Sections Housing Fund Withdrawal Policy - The new policy expands the range of housing fund withdrawals, allowing funds to be used for down payments on various types of housing, including existing homes and shared ownership housing, without restrictions on whether it is the first or second home [1] - The simplified process allows buyers to submit a single application with one set of documents at any service point of the Guangzhou Housing Provident Fund Management Center after signing the purchase contract and opening a bank escrow account [1] Support for Renovation - The policy now includes provisions for withdrawing housing funds for the renovation of old elevators, in addition to the existing allowance for adding elevators to existing residential buildings [2] - Homeowners can withdraw funds for their share of renovation costs after project completion, with the total withdrawal not exceeding the actual payment made [2]

Core Viewpoint - The Guangzhou Housing Provident Fund Management Center and other departments have jointly issued a notice to optimize the housing provident fund withdrawal policy, expanding the scope of its use [1] Group 1: Policy Changes - The new policy allows housing provident fund contributors and their spouses to withdraw funds for the down payment when purchasing various types of housing within the administrative region of Guangzhou, including existing commercial housing and shared ownership housing [1] - Contributors and their spouses can also withdraw funds for the renovation of old elevators in residential properties they own within Guangzhou [1] - Previously, the policy only permitted withdrawals for down payments on newly built commercial housing [1]

Core Viewpoint - Dongguan's housing provident fund management center has announced further optimization of real estate policy measures to support housing demand and alleviate loan pressure for contributors, with significant increases in loan limits for first and second homes [1][2]. Summary by Sections Loan Limit Adjustments - The maximum loan limit for first homes has been increased from 1.2 million yuan to 1.5 million yuan - The maximum loan limit for second homes has also been raised from 800,000 yuan to 1.5 million yuan [2]. Support for Housing Purchases - Contributors can now withdraw housing provident funds to pay the down payment for both newly built and existing homes, expanding the previous policy that only applied to pre-sold new homes [4]. Loan Application Process - The recognition of housing units for loan applications has been adjusted to consider the location of the intended purchase, with no additional proof required for first home status [3]. - The identification of affordable housing is based on the property sale contract or ownership certificate [3]. Loan Limit Conditions - The increased loan limits for purchasing affordable housing cannot be combined with other increase scenarios, and the total loan amount cannot exceed the stipulated maximum of 1.5 million yuan [3]. Policy Implementation Timeline - The new policies will take effect for loan applications submitted through the provident fund system starting September 26, 2025 [5].