（原标题：深圳公积金购房提取范围今起扩至全国） 12月5日，深圳市住房公积金管理委员会发布新版《深圳市住房公积金提取管理规定》（简称"提取新 规"），今日起提取新规正式施行。 记者注意到，提取新规主要在购房、租房、老旧住房更新改造三方面，新增多项提取情形，放宽提取条 件等。 深圳住房公积金中心的数据显示，截至今年9月28日，深圳住房公积金归集资金累计破1万亿元，开户职 工突破2000万人。其中，深圳全市公积金提取总额达6000亿元，其中住房消费类提取占比超87%；深圳 全市租房提取额超2600亿元。 提取新规聚焦职工多元化住房消费需求，增设多项住房消费类提取情形，放宽提取条件等。 首先，新增了"购房首付款提取"。职工及家庭成员在深圳市购买住房，在未支付或未全额支付购房首付 款前，可提取住房公积金筹集首付；提取额度为：家庭名下有1套房可全额提账户余额，家庭名下有2套 房可提账户余额60%（上述提取额度均不超过尚未支付或未足额支付的购房首付款）；提取次数为1 次。 需注意的是，提取新规明确，如果职工同时满足购房提取和购房首付款提取条件，只能选择二选一办 理。 新规支持"既提又贷"，即职工为筹集购房首付款提取的住房 ...

深圳住房公积金中心的数据显示，截至今年9月28日，深圳住房公积金归集资金累计破1万亿元，开户职工突破2000万人。其 中，深圳全市公积金提取总额达6000亿元，其中住房消费类提取占比超87%；深圳全市租房提取额超2600亿元。 12月5日，深圳市住房公积金管理委员会发布新版《深圳市住房公积金提取管理规定》（简称"提取新规"），今日起提取新规正 式施行。 记者注意到，提取新规主要在购房、租房、老旧住房更新改造三方面，新增多项提取情形，放宽提取条件，包括支持公积金"既 提又贷"等。 购房类提取：新增多项情形，支持"异地购房还贷提取" 提取新规聚焦职工多元化住房消费需求，增设多项住房消费类提取情形，放宽提取条件等。 首先，新增了"购房首付款提取"。职工及家庭成员在深圳市购买住房，在未支付或未全额支付购房首付款前，可提取住房公积 金筹集首付；提取额度为：家庭名下有1套房可全额提账户余额，家庭名下有2套房可提账户余额60%（上述提取额度均不超过 尚未支付或未足额支付的购房首付款）；提取次数为1次。 新增异地购房还贷提取。此次，提取新规将购房还贷提取范围从深圳市扩展至全国，职工及家庭成员偿还全国范围内首套/二套 住房贷款 ...

Core Viewpoint - The new regulations for the Shenzhen Housing Provident Fund aim to better meet the diverse housing consumption needs of employees by expanding the conditions for fund withdrawal and introducing new scenarios for housing-related withdrawals, effective from December 15, 2025 [1] Group 1: Home Purchase Withdrawal - The new regulations allow employees and their family members to withdraw funds for the down payment when purchasing a home in Shenzhen, with specific limits based on the number of properties owned [1] - Employees can withdraw the full balance of their provident fund if they own one property, or 60% of the balance if they own two properties, with the total not exceeding the unpaid down payment [1] - Employees can only choose one method of withdrawal if they meet both home purchase and down payment withdrawal conditions [1] Group 2: Tax Payment Withdrawal - The regulations introduce a new provision allowing employees to withdraw funds to pay for taxes related to the purchase of their first or second home, with the withdrawal amount not exceeding the actual tax paid [2] - The scope of withdrawal for repaying loans for homes purchased outside Shenzhen has been expanded to nationwide, allowing employees to withdraw funds for loan repayments on their first or second home [2] Group 3: Rental Withdrawal - The new regulations establish a phased adjustment mechanism for rental withdrawal limits, particularly supporting families with multiple children and those renting subsidized housing [3] - The standard monthly withdrawal limit remains at 65% of the current month's contribution, but will increase to 80% for non-homeowning employees from November 1, 2025, for two years [3] - The regulations also remove the previous requirement of having at least one minor child for families with two or more children to withdraw 100% of their contributions or actual rent [3] Group 4: Support for Housing Renovation - The new regulations enhance support for employees involved in old housing renovation projects by introducing three new withdrawal categories: self-funded renovation, installation or replacement of old elevators, and increased area for relocation [4] - The ongoing adjustments in housing provident fund policies across various cities indicate a trend towards optimizing the use scenarios and expanding the range of withdrawals, which is expected to stabilize the real estate market [4]

Core Viewpoint - The Shenzhen Municipal Housing Provident Fund Management Committee has released a new set of regulations for the withdrawal of housing provident funds, aimed at enhancing support for employees in purchasing and renting homes, with the new rules set to take effect on December 15, 2025 [1] Group 1: Home Purchase Support - The new regulations introduce multiple scenarios for fund withdrawal related to home purchases, easing conditions to better meet the housing needs of employees [3] - A new provision allows employees and their family members to withdraw housing provident funds for down payments before they are fully paid, with specific limits based on the number of properties owned [3] - The regulations support a "withdraw and loan" approach, allowing the withdrawn amount to be included in the calculation of the loan limit for ordinary housing provident fund loans [3] - The application period for home purchase withdrawals has been extended from 3 years to 5 years, applicable to both local and out-of-city purchases [4] - New provisions allow for the withdrawal of funds to pay for housing taxes and extend the scope of loan repayment withdrawals to nationwide, with specific limits based on the number of properties owned [4] Group 2: Rental Support - The new regulations enhance rental withdrawal policies to better support employees without homes, particularly those with multiple children and those renting subsidized housing [5][6] - A phased adjustment mechanism for rental withdrawal limits has been introduced, increasing the monthly withdrawal limit from 65% to 80% of the current month's contribution for a two-year period starting November 1, 2025 [6] - The support for rental withdrawals has been expanded to include families with two or more children, removing previous restrictions, and also includes support for those renting subsidized housing [6] Group 3: Urban Renewal Support - The new regulations increase support for employees participating in urban renewal projects, introducing new withdrawal options for self-funded renovations and improvements to old housing [7]

来源：深圳特区报深圳市住房公积金管理中心 支持"既提又贷"。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"。例如，职工家庭住房公积金账户余额为10万元，全额提取用于筹集购房首付款后，还可申请普通住房公积金贷 款，这10万元仍能用于可贷额度计算（按16倍计算，最高可贷160万元）。深圳市住房公积金管理中心相关负责人表示，职工到线下柜台办理购房首付款 提取时，可同步提交住房公积金贷款申请，实现"一次申请，并联办理"。 延长购房提取等申请时限。提取新规将购房提取、更新改造本市老旧住房提取等住房消费情形的申请时限，由原来的3年延长至5年。例如，职工在2021年 1月5日购买住房，则可在2026年1月5日前申请办理购房提取。住房消费情形发生时间以相关收据、发票和税票等凭证开具时间为准。职工无论在本市还是 异地购房，均适用该5年申请时限新规。 新增购房税款提取。职工及家庭成员在本市购买首套或第二套住房，可申请提取住房公积金，用于支付契税等购房税款，提取额度不超过实际缴纳税款金 额。提取申请需在税票凭证开具之日起5 ...

Core Viewpoint - The Shenzhen Municipal Housing Provident Fund Management Committee has released a new set of regulations for the withdrawal of housing provident funds, aimed at enhancing support for employees in purchasing and renting homes, with the new rules set to take effect on December 15, 2025 [1][11]. Group 1: Home Purchase Support - The new regulations introduce multiple scenarios for fund withdrawal related to home purchases, easing conditions to better meet the housing needs of employees [3][13]. - A new provision allows employees and their family members to withdraw funds for the down payment of a home before it is fully paid. Families with one home can withdraw the full balance, while those with two homes can withdraw 60% of the balance, not exceeding the unpaid down payment [3][15]. - The regulations support a "withdraw and loan" approach, allowing the withdrawn amount to be included in the calculation of the loan limit for ordinary housing provident fund loans [21][22]. - The application period for home purchase withdrawals has been extended from three years to five years, allowing employees to apply for withdrawals up to five years after the purchase date [4][26]. Group 2: Tax Payment and Loan Repayment - New provisions allow employees to withdraw funds to pay for taxes related to the purchase of their first or second home, with the withdrawal amount not exceeding the actual tax paid [5][27]. - The scope of loan repayment withdrawals has been expanded from the city to nationwide, allowing employees to withdraw funds for repaying loans on their first or second homes across the country [29][30]. Group 3: Rental Support - The new regulations introduce a phased adjustment mechanism for rental withdrawal limits, increasing the monthly withdrawal limit from 65% to 80% of the current month's contribution for a two-year period starting November 1, 2025, for employees without homes [39][40]. - The support for rental withdrawals has been expanded to include families with two or more children, removing the previous requirement of having at least one minor child [45]. - Employees renting public rental housing can continue to withdraw based on actual rent, and new support is provided for those renting affordable housing [46]. Group 4: Urban Renewal Support - The regulations enhance support for employees involved in urban renewal projects by introducing three new withdrawal categories: self-funded renovation of old housing, installation or replacement of old elevators, and increased area for relocated housing [8][47]. - The total withdrawal amount for urban renewal projects cannot exceed the actual contribution made by the applicant [48].

Core Viewpoint - The Guangzhou Housing Provident Fund Management Center and other departments have jointly issued a notice to optimize the housing provident fund withdrawal policy, expanding the scope of its use [1] Group 1: Policy Changes - The new policy allows housing provident fund contributors and their spouses to withdraw funds for the down payment when purchasing various types of housing within the administrative region of Guangzhou, including existing commercial housing and shared ownership housing [1] - Contributors and their spouses can also withdraw funds for the renovation of old elevators in residential properties they own within Guangzhou [1] - Previously, the policy only permitted withdrawals for down payments on newly built commercial housing [1]

Core Viewpoint - The Beijing Housing Provident Fund Management Center has announced measures to support employees affected by the 2025 flood, allowing them to withdraw funds for home repairs and rent payments [1] Group 1: Support Measures - Employees affected by the flood can apply to withdraw their housing provident fund balance for home repairs, with the repair amount determined by local government authorities [1] - Those whose homes are uninhabitable due to the flood can withdraw funds for rent payments without the usual restrictions on continuous contributions or ownership of property in Beijing [1] - The monthly withdrawal limit for rent is set to the actual monthly rent amount [1] Group 2: Application Process - Applicants must submit their requests to the local housing provident fund management department, which will coordinate with local government and emergency departments to verify and implement the support measures [1] - The support measures will be in effect until November 30, 2025 [1]

Core Points - Sichuan Province has issued a detailed action plan to implement the national consumption stimulus initiative, focusing on supporting homeowners in extracting housing provident funds for elevator installation and upgrades [1][2] - The plan aims to install 5,000 new elevators and upgrade 1,300 elevators by 2025 across the province [1] - In 2024, a total of 1,719 individuals are expected to withdraw housing provident funds for elevator installations and other renovations in old residential areas, amounting to 67 million yuan [2] Group 1 - Sichuan supports eligible homeowners in withdrawing housing provident funds and special maintenance funds for elevator installation and upgrades [1] - Chengdu has expanded the withdrawal policy to allow children and their spouses to extract funds to support their parents in adding elevators to their owned residences [2] - The housing and urban-rural development department will issue guidelines to enhance the quality of housing provident fund services to support urban-rural integration [1] Group 2 - Local governments in Sichuan are responsible for formulating specific policies, leading to variations in implementation across cities [2] - Recent policies in cities like Neijiang have included old elevator upgrades in the housing provident fund withdrawal scope [2] - The total amount withdrawn for elevator installations in Sichuan in 2024 is projected to reach 67 million yuan [2]

Core Viewpoint - The Beijing Housing Provident Fund Management Center has announced a new policy to support the withdrawal of housing provident funds for individuals renting affordable housing in the Beijing-Tianjin-Hebei region, effective from May 1, 2025 [1] Group 1 - The policy allows employees who contribute to the housing provident fund to withdraw funds when renting affordable housing in the Beijing-Tianjin-Hebei area [1] - The withdrawal amount will be based on the actual monthly rent paid, subject to verification by the local housing provident fund management center [1] - The initiative aims to promote coordinated development of the housing provident fund system across the Beijing-Tianjin-Hebei region, including Xiong'an New Area [1]