Core Points - Shenzhen has announced a significant new policy for the housing market, allowing residents to purchase an unlimited number of homes in several districts starting from September 6, 2025 [1][2] - The policy includes provisions for using housing provident fund for down payments and introduces new withdrawal scenarios for the fund [6][7] Group 1: Policy Implementation - The new policy allows eligible residents to buy an unlimited number of homes in designated districts, while non-residents with less than one year of social insurance or tax payment in Shenzhen can buy up to two homes [2][5] - Single adults will be subject to the same housing purchase restrictions as families [3] - The policy also allows enterprises to purchase homes for employee housing needs without qualification checks in most areas [5] Group 2: Housing Loan Interest Rates - Banks will no longer differentiate between first and second home loans in their interest rate pricing, allowing for more flexible loan terms [4] Group 3: Provident Fund Withdrawal Changes - New provisions will allow employees to withdraw provident fund for down payments on first and second homes, with full withdrawal allowed for the first home and 60% for the second [7] - Additional scenarios for fund withdrawal include payment of housing taxes, repayment of loans for homes purchased outside Shenzhen, and compensation for increased housing area during relocation [10][11][12] - The policy aims to enhance flexibility in fund contributions, allowing employees to choose their contribution rates up to 12% [19]

贷款额度与利率 公积金贷款的额度和利率是购房者关注的重点： 1. 额度计算：单笔贷款最高额度为60万元。具体额度根据申请人的公积金缴存基数、家庭人数等因素综 合确定。 2. 贷款利率：现行贷款利率执行中国人民银行公布的基准利率，目前为首套房3.5%，二套房4%。 办理流程 以下是使用大连公积金贷款买房的主要步骤： 1. 准备材料： 身份证明（身份证、结婚证等）； 收入证明（如工资流水、完税证明）； 购房合同及发票； 个人信用报告。 3. 审核与审批：公积金管理中心将对申请人的资质进行审查，并在15个工作日内完成审批。 4. 签订合同：审批通过后，申请人需与银行签订借款合同，并办理抵押登记手续。 5. 放款：银行根据合同约定将贷款资金划转至指定账户。 提取政策 公积金不仅能用于贷款购房，还可以在特定条件下进行提取。以下是一些常见提取情形： 1. 首付款提取：购房者可在签订购房合同后，申请提取公积金用于支付首付款。 2. 贷后提取：贷款发放后，在还款期间，借款人可每年提取一次公积金冲抵当年的还款金额。 3. 其他情况：如租房、重大疾病等情况也可申请提取。 注意事项 2. 提交申请：携带上述材料，到大连市公积金管理 ...