广东深圳市住房公积金管理中心政策法规部部长 方霞：家庭名下有一套住房的，可以全额提取公积金 账户余额，家庭名下有两套住房的可提取账户余额的60%。提取额度还不能超过尚未支付或者是未足额 支付的购房首付款。 另外，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"。 近日，广东深圳发布了新版《住房公积金提取管理规定》，新增购房首付款提取，支持"既提又贷"等一 系列惠民举措，新规将于12月15日起施行。 提取新规增设了多项住房消费类提取情形。例如，新增了购房首付款提取，职工及家庭成员在本市购买 住房，在未支付或未全额支付购房首付款前，可以提取住房公积金用于筹集首付款。 广东深圳市住房公积金管理中心政策法规部部长 方霞：比如，职工家庭住房公积金账户余额是10万 元，全额提取用于筹集购房首付款之后，还可以申请普通的住房公积金贷款，而且职工到线下柜台办理 购房首付款提取的时候，可以同步提交公积金贷款申请，实现一次申请并联办理。 此外，提取新规新增了购房税款提取，同时新增了异地购房还贷提取，将购房还贷提取支持范围从本 ...

Core Viewpoint - The new regulations for housing provident fund withdrawals in Shenzhen allow employees to withdraw funds for down payments while still being eligible for loans, addressing previous concerns about reduced loan amounts after withdrawals [1][2][3]. Group 1: New Withdrawal Regulations - The new regulations enable employees to withdraw housing provident funds for down payments before fully paying them, facilitating the home buying process [2]. - Families with one property can withdraw the full balance of their housing provident fund, while those with two properties can withdraw 60% of their balance, with limits based on the unpaid down payment [2][4]. - The "both withdraw and loan" mechanism allows the withdrawn amount to still count towards the loan eligibility calculation, thus not affecting the loan amount available to the employee [3]. Group 2: Expanded Support Measures - The new regulations introduce additional withdrawal scenarios, including tax payment withdrawals and loan repayments for properties purchased outside Shenzhen, enhancing support for employees' housing needs [4]. - The application period for housing withdrawals has been extended from three years to five years, allowing more time for employees to apply for withdrawals after purchasing a home [4]. - Employees can now withdraw funds to pay for housing taxes, with the withdrawal amount limited to the actual tax paid, and applications must be made within five years of tax receipt issuance [4].