近年来，武汉住房公积金管理中心不断推出惠民利企举措，阶段性支持政策的落地实施，有效减轻了职 工购房压力，激发了住房消费市场活力。此次政策延续，是对前期政策效果的积极延续和深化，将进一 步释放政策红利，为更多缴存职工带来实实在在的便利。 此次延续的政策中，阶段性扩大公积金异地贷款受理范围的举措备受关注。政策明确，异地贷款受理范 围将阶段性覆盖至全国各城市缴存职工，同时取消了异地贷款借款人须具备武汉户籍的限制条件。这意 味着，无论是否拥有武汉户籍，只要在全国任意城市正常缴存住房公积金，均可在武汉申请公积金异地 贷款购房。 此前，武汉公积金异地贷款政策主要面向部分城市群或特定区域缴存职工，户籍限制也在一定程度上制 约了外地缴存职工在汉购房的需求。此次政策调整，打破了地域和户籍的双重限制，让更多在武汉工 作、生活的外地缴存职工能够享受公积金贷款的低利率优势，有效降低了异地购房的资金门槛。例如， 在武汉缴存公积金的职工李某在鄂州市购买商品房，按原政策需由鄂州公积金中心审核发放贷款，但新 政策允许由缴存地(武汉)公积金中心直接审批放款，提升异地购房便利度。 此前，武汉已出台《关于进一步优化完善促进我市房地产市场平稳健康发 ...

针对异地缴存职工以往可能面临的"两地跑、开证明"难题，管理中心积极落实住房和城乡建设部统一部 署，全面推广"亮码可办"便民措施。职工无需返回公积金缴存地开具纸质证明。只需登录"全国住房公 积金公共服务"微信小程序，在"服务"栏目中选择"业务办理电子码—信息表申请"，核对个人及缴存信 息无误后提交申请，即可即时生成业务办理电子码（含条形码及数字编号）。在昆明办理公积金贷款 时，直接向工作人员出示该电子码，即可完成异地缴存情况的核验，流程高效便捷。 管理中心特别提醒，有在昆购房意向的异地缴存职工，在通过"亮码可办"方式核验信息的同时，仍需按 昆明市住房公积金贷款管理规定，准备齐全其他相关贷款申请材料，并确保自身符合贷款条件。 本报讯 记者徐晓俊报道 12月18日，昆明市住房公积金管理中心(以下简称"管理中心")发布消息，在全 国其他城市缴存住房公积金的职工，在昆明市行政区域内购买、建造、翻建、大修首套或第二套自住住 房，可向管理中心申请住房公积金贷款，并享受与本地缴存职工同等的权益。 此项政策面向所有在外地工作并正常缴存住房公积金的职工，只要符合昆明市住房公积金贷款的相关条 件，即可在昆明申请贷款。该政策有效打破 ...

四是推出缴存人家庭互助购房提取住房公积金政策。2026年1月1日至2026年12月31日期间，在沈阳市行 政区域内贷款购买自住住房，购房人父母、子女均可提取住房公积金支付购房首付款及偿还住房公积金 贷款。家庭互助购房提取住房公积金支付购房首付款的办理时限截至2027年2月28日；购房人父母、子 女提取偿还住房公积金贷款的，应在2027年2月28日前与中心签订《委托提取住房公积金偿还个人住房 公积金贷款协议》，按月委托提取时限截至该笔贷款结清。优化调整贷款中账户余额倍数限额政策自本 月开始执行。单位职工差异化缴存住房公积金、提取住房公积金支付住房物业服务费和缴存人家庭互助 购房提取住房公积金三项政策自2026年1月开始执行。 12月10日，在沈阳市政府新闻办举行的发布会上获悉，为进一步发挥住房公积金保障作用，经沈阳住房 公积金管理委员会审议通过，优化推出4项住房公积金缴存使用政策。在支持缴存人提取住房公积金支 付住房物业服务费方面，缴存人本人及配偶拥有自住住房，且当年未就其他住房消费情形提取过住房公 积金的，可申请提取住房公积金支付住房物业服务费。具体内容如下： 资讯编辑：周小燕 021-26096760 资讯 ...

二是实施单位职工差异化缴存住房公积金政策。住房公积金缴存职工可在规定的缴存比例范围内与单位 协商，按不低于单位缴存比例标准自主确定个人缴存比例缴存住房公积金。 沈阳优化住房公积金缴存使用政策 公积金可提取支付物业费 12月10日，沈阳市政府新闻办召开的新闻发布会现场。 李伶俐 摄 中新网沈阳12月10日电(李伶俐)记者在沈阳市政府新闻办10日举行的发布会上获悉，为进一步发挥住房 公积金保障作用，经沈阳住房公积金管理委员会审议通过，优化推出4项住房公积金缴存使用政策。在 支持缴存人提取住房公积金支付住房物业服务费方面，缴存人本人及配偶拥有自住住房，且当年未就其 他住房消费情形提取过住房公积金的，可申请提取住房公积金支付住房物业服务费。具体内容如下： 一是优化调整贷款中账户余额倍数限额计算规则。单位缴存职工住房公积金贷款额度计算公式中的账户 余额倍数限额，由"按照借款申请人及共同申请人住房公积金缴存账户余额之和的25倍执行，职工家庭 账户余额之和不足2万元的按2万元计算"调整为"按照借款申请人及共同申请人住房公积金缴存账户余额 之和的25倍执行，职工家庭账户余额之和不足3万元的按3万元计算"。 编辑：王永乐 广告 ...

深圳市住房公积金管理委员会于12月5日发布新版《深圳市住房公积金提取管理规定》（以下简称《管 理规定》），结合业务发展实际，在支持职工购房、租房等方面推出了系列便民举措。《管理规定》进 一步加大对职工购房的支持力度，明确支持在深圳市购买住房的职工申请提取一次住房公积金用于支付 购房首付款、购房税款；支持职工提取住房公积金用于偿还异地所购住房的贷款本息等。 近期，多地优化调整住房公积金政策以更好地支持刚性和改善性住房需求释放，减轻居民购房及还贷的 资金压力。 12月8日，长沙市住房公积金管理委员会发布《关于调整住房公积金贷款政策的通知》，提出"二孩及以 上职工家庭购买新建商品房申请住房公积金贷款的，在长沙市内已有住房套数认定核减一套，按核减后 的套数执行相应档次利率"等举措。 同日，长沙市住房公积金管理委员会还发布了《关于开展提取住房公积金直付房租业务的通知》《关于 开展商业银行住房贷款转住房公积金组合贷款业务的通知》，对新增的提取住房公积金直付房租业 务、"商转组合贷"业务进行细化。 当前，启动或优化"商转公"业务成为各地住房公积金政策关注的重点。 12月8日，遵义市住房公积金管理中心就《关于调整优化住房公积 ...

Core Insights - The new housing fund policy in the city aims to support multi-child families by increasing the maximum loan limits for public housing funds, addressing their housing needs effectively [1][2] Group 1: Policy Details - The maximum individual public housing fund loan limit has been raised to 700,000 yuan, and the family limit to 1,000,000 yuan [2] - For multi-child families, additional support is provided: families with two children can receive an extra 200,000 yuan, while families with three or more children can receive an additional 300,000 yuan, allowing eligible three-child families to access loans up to 1,300,000 yuan [2] - In optimal scenarios, combining this policy with other incentives, the maximum loan amount for multi-child families can reach 2,100,000 yuan, significantly enhancing their home purchasing options [2] Group 2: Implementation and Impact - Since the policy's implementation, 127 multi-child families have applied for public housing fund loans, totaling 79.181 million yuan, with the highest loan amount being 1,300,000 yuan [2] - The average loan amount for these families is 38% higher than that of new home-buying families, demonstrating the policy's effective support for multi-child households [2] - The public housing fund center has streamlined the application process, allowing families to apply online with minimal documentation, enhancing accessibility to the policy benefits [3] Group 3: Rental Support - The policy also extends to rental assistance for multi-child families without their own homes, allowing them to withdraw public housing funds to pay rent, with a maximum monthly withdrawal of 2,600 yuan, totaling 31,200 yuan annually, which is higher than the standard for ordinary married families [3]

Core Viewpoint - The new regulations for the Shenzhen Housing Provident Fund aim to better meet the diverse housing consumption needs of employees by expanding the conditions for fund withdrawal and introducing new scenarios for housing-related withdrawals, effective from December 15, 2025 [1] Group 1: Home Purchase Withdrawal - The new regulations allow employees and their family members to withdraw funds for the down payment when purchasing a home in Shenzhen, with specific limits based on the number of properties owned [1] - Employees can withdraw the full balance of their provident fund if they own one property, or 60% of the balance if they own two properties, with the total not exceeding the unpaid down payment [1] - Employees can only choose one method of withdrawal if they meet both home purchase and down payment withdrawal conditions [1] Group 2: Tax Payment Withdrawal - The regulations introduce a new provision allowing 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 [2] - The scope of withdrawal for repaying loans for homes purchased outside Shenzhen has been expanded to nationwide, allowing employees to withdraw funds for loan repayments on their first or second home [2] Group 3: Rental Withdrawal - The new regulations establish a phased adjustment mechanism for rental withdrawal limits, particularly supporting 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 will increase to 80% for non-homeowning employees from November 1, 2025, for two years [3] - The regulations also remove the previous requirement of having at least one minor child for families with two or more children to withdraw 100% of their contributions or actual rent [3] Group 4: Support for Housing Renovation - The new regulations enhance support for employees involved in old housing renovation projects by introducing three new withdrawal categories: self-funded renovation, installation or replacement of old elevators, and increased area for relocation [4] - The ongoing adjustments in housing provident fund policies across various cities indicate a trend towards optimizing the use scenarios and expanding the range of withdrawals, which is expected to stabilize the real estate market [4]

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] 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] - A new provision allows employees and their family members to withdraw housing provident funds for down payments before they are fully paid, with specific limits based on the number of properties owned [3] - 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 [3] - The application period for home purchase withdrawals has been extended from 3 years to 5 years, applicable to both local and out-of-city purchases [4] - New provisions allow for the withdrawal of funds to pay for housing taxes and extend the scope of loan repayment withdrawals to nationwide, with specific limits based on the number of properties owned [4] Group 2: Rental Support - The new regulations enhance rental withdrawal policies to better support employees without homes, particularly those with multiple children and those renting subsidized housing [5][6] - A phased adjustment mechanism for rental withdrawal limits has been introduced, increasing the monthly withdrawal limit from 65% to 80% of the current month's contribution for a two-year period starting November 1, 2025 [6] - The support for rental withdrawals has been expanded to include families with two or more children, removing previous restrictions, and also includes support for those renting subsidized housing [6] Group 3: Urban Renewal Support - The new regulations increase support for employees participating in urban renewal projects, introducing new withdrawal options for self-funded renovations and improvements to old housing [7]

Core Viewpoint - The Shenzhen Municipal Housing Provident Fund Management Committee has released a new set of regulations aimed at optimizing the withdrawal of housing provident funds to better support employees in purchasing and renting homes, effective from December 15, 2025 [1][9]. 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 [2][12]. - A new provision allows employees and their family members to withdraw funds for down payments on homes before full payment is made, with specific limits based on the number of properties owned [3][13]. - The regulations support a "withdraw and loan" approach, allowing withdrawn funds to be counted towards the loan eligibility for housing provident fund loans, enhancing financial flexibility for homebuyers [2][14]. - The application period for home purchase withdrawals has been extended from 3 years to 5 years, allowing more time for employees to apply [3][12]. - New provisions for tax payment withdrawals related to home purchases have been introduced, allowing employees to withdraw funds to cover taxes within a 5-year window [3][12]. - The scope for loan repayment withdrawals has been expanded to include nationwide loans, allowing employees to withdraw funds for repaying loans on homes outside Shenzhen [3][12]. Group 2: Rental Support - The new regulations enhance rental withdrawal policies, particularly for families with multiple children and those renting subsidized housing, to better support employees without homes [4][5]. - A phased adjustment mechanism for rental withdrawal limits has been introduced, increasing the monthly withdrawal cap from 65% to 80% of the employee's contribution for a two-year period starting November 1, 2025 [4][5]. - The regulations now allow families with two or more children to withdraw funds for rent without the previous requirement of having at least one minor child [5]. - Additional support has been provided for employees involved in the renovation of old housing, with new withdrawal options for self-funded renovations and upgrades [5][15].

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].