点评：天津此举将公积金提取延伸至电梯改造，是对城市更新的精准支持。"代际互助提取"模式扩大受 益范围，缓解老旧小区居民改造资金压力。与多地聚焦购房、租房的公积金政策不同，天津聚焦既有住 宅功能升级，填补了民生短板。 10月14日，天津市人民政府发布通告明确，既有住宅加装电梯的，房屋产权人（公有住房承租人）及配 偶、子女及配偶可申请提取住房公积金；老旧电梯更新改造的，产权人及配偶可申请提取住房公积金。 申请人需在电梯竣工验收后两年内一次性申请，提取总额不超过直接出资额，有未结清公积金贷款的需 无当前逾期。通告自印发之日起施行，有效期5年。 ...

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]