Core Points - The article discusses the guidelines and conditions for applying for housing provident fund loans in Shenzhen, highlighting the advantages of low interest rates and manageable repayment pressure for homebuyers [1] Group 1: Loan Conditions - For company employees, a minimum of 6 months of continuous contributions to the housing provident fund is required, and they must be in a normal contribution status at the time of application [2] - For flexible employment individuals, a minimum of 12 months of continuous contributions is required, with a total contribution period of at least 36 months [2] - Couples applying together must meet the respective contribution requirements of both parties [3] Group 2: Credit Report Restrictions - Applicants with certain negative credit records, such as multiple overdue payments or being listed as a dishonest debtor, are ineligible for housing provident fund loans [3] Group 3: Loan Interest Rates - As of May 8, 2025, the interest rates for personal housing provident fund loans will be reduced by 0.25 percentage points, with rates set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years for the first home [4] Group 4: Down Payment Requirements - The minimum down payment for the first home using the housing provident fund loan is 20%, and the same applies for the second home [5] - For purchasing guaranteed housing, the minimum down payment is set at 15% [6] Group 5: Loan Amount Limits - The maximum loan amount is 600,000 for individuals and 1,100,000 for families, with potential increases for those meeting specific conditions [9] - The loan amount is calculated based on 16 times the balance of the housing provident fund account, subject to the maximum limits [9]

Group 1 - The spokesperson from the county housing construction bureau confirmed that the Tianxiayuan and Shuixiemingju residential projects are in the process of selecting homes, with Shuixiemingju expected to start selection in early July [1] - Tianxiayuan is located east of the Yingbin vegetable market, while Shuixiemingju is situated west of the Diyi International [5] Group 2 - The county medical insurance bureau spokesperson provided information on the necessary documents for applying for medical assistance, including identification and medical records [9] - The county urban management bureau acknowledged the issue with the public bicycle station at Baisheng Huayuan and stated that they are working to restore power to the station [9] - The county education bureau clarified that student class assignments are managed by the school, and parents can submit written requests for special considerations [9] Group 3 - The county housing provident fund spokesperson indicated that individuals who have repaid their housing provident fund loans can apply for new loans for improved housing, which will be subject to second-home interest rates [10]