Core Points - The article discusses the use of housing provident fund for purchasing properties in different cities, specifically focusing on the policies and procedures for using Shenzhen's provident fund for out-of-city home purchases [1][20]. Group 1: Methods of Using Provident Fund for Out-of-City Purchases - There are three methods to use the provident fund for out-of-city home purchases: withdrawal for home purchase, provident fund loans, and repayment of loans using the provident fund [1]. - For home purchase withdrawal, the first home allows full withdrawal from the account but not exceeding the total purchase price, while the second home allows withdrawal of 60% of the account balance, also not exceeding the total purchase price [1][3]. - The eligibility for provident fund loans depends on the policies of the city where the fund is being used, and the loan amount is determined by the local policies [1][20]. Group 2: Conditions and Process for Withdrawal - To withdraw funds, the employee or their family members must have purchased a property within three years of the application date, with the time limit extending to five years starting December 15 [2]. - The withdrawal process requires an appointment through the relevant online platforms, and the necessary documentation includes purchase invoices and tax receipts [4][9]. Group 3: Repayment Using Provident Fund - The repayment process allows for the use of Shenzhen's provident fund to repay loans for properties purchased elsewhere, with specific withdrawal limits based on the number of properties owned [25][26]. - For families with one property, the monthly withdrawal amount equals the actual repayment amount, while for two properties, it is 60% of the monthly contribution, not exceeding the actual repayment amount [26][27]. Group 4: Inter-City Cooperation and Policies - Recent agreements among several cities aim to enhance the interoperability of housing provident fund services, allowing for seamless access to loans and withdrawals across different regions [22][23]. - The cooperative cities will work towards reducing administrative burdens and improving the efficiency of provident fund services for employees purchasing homes in different locations [23].