（来源：唐山劳动日报） 【问政内容】 唐山市公积金为何限制2025年之前京津购房者提取公积金？ 【问政回复】 相关部门答复如下： 反映人您好，关于您反映的问题已回复：收到您反映的问题后，我中心高度重视，第一时间予以调查处 理。现将有关情况答复如下：2025年前唐山异地购房提取政策是重点支持在户籍地、工作地、配偶住房 公积金缴存地购买住房。2025年1月1日后在原提取政策基础上进一步优化为：在北京市、天津市及河北 省内其他城市购买自住住房申请提取住房公积金的，不受户籍所在地或工作所在地、住房公积金缴存地 限制。相关政策如有调整，我们会第一时间通知您，并做好对外宣传工作。感谢您对我们工作的理解和 支持。 ...

Core Viewpoint - The Tianjin Municipal Government has announced a policy allowing homeowners to withdraw housing provident fund for the installation of elevators in existing residential buildings and for the renovation of old elevators, aimed at supporting urban renewal and alleviating financial pressure on residents in aging communities [1] Group 1: Policy Details - Homeowners and their spouses, children, and spouses can apply to withdraw housing provident fund for elevator installation in existing residential buildings [1] - For the renovation of old elevators, only the property owners and their spouses are eligible to apply for the withdrawal [1] - Applications must be made within two years after the elevator completion inspection, with the total withdrawal not exceeding the direct investment amount [1] Group 2: Implementation and Impact - The policy is effective for five years from the date of issuance [1] - This initiative expands the "intergenerational mutual assistance withdrawal" model, broadening the beneficiary scope and easing the financial burden on residents in old communities [1] - Unlike other regions focusing on home purchase and rental policies, Tianjin's approach emphasizes upgrading the functionality of existing residential buildings, addressing a gap in public welfare [1]

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]

Loan Limits and Interest Rates - The maximum single loan amount for public housing fund loans is 600,000 yuan, determined by factors such as the applicant's contribution base and family size [1] - Current interest rates are set at 3.5% for the first home and 4% for the second home, following the People's Bank of China benchmark rates [2] Application Process - Required documents include identification (ID card, marriage certificate), income proof (salary slips, tax payment proof), purchase contract, and personal credit report [3] - Applications can be submitted in person at the Dalian Public Housing Fund Management Center or through online channels [4] - The management center will review the applicant's qualifications and complete the approval process within 15 working days [5] - Upon approval, the applicant must sign a loan contract with the bank and complete mortgage registration [7] - Funds will be disbursed to the designated account as per the contract [8] Withdrawal Policies - Public housing funds can be withdrawn under specific conditions, including: - Down payment withdrawal after signing the purchase contract [9][10] - Post-loan withdrawal, allowing borrowers to withdraw funds annually to offset repayment amounts [10] - Other situations such as renting or major illness may also qualify for fund withdrawal [11] Important Considerations - Timely repayment is crucial, as late payments can affect credit records and incur additional penalties [12] - It is important to stay updated on the latest policies from the Dalian Public Housing Fund Management Center to avoid issues due to outdated information [12] - Borrowers should plan their finances carefully, choosing loan terms and amounts that do not excessively strain their monthly budget [12]