On December 26, the Guigang City Housing Provident Fund Management Center of Guangxi Zhuang Autonomous Region issued a notice regarding adjusting the withdrawal and loan policies of the housing provident fund in our city. The document states that the business of using the balance of the housing provident fund account for down payment on home purchases will continue; restrictions on the place of household registration and employment for contributors applying to withdraw housing provident funds due to the purchase of self-occupied housing or repayment of self-occupied housing loans will be lifted. The standards for determining the number of housing units for provident fund loans have been optimized. The number of housing units for provident fund loans will be determined based on the number of housing units owned by the applicant's family in the county (city, district) where the intended property is located. If the applicant's family has only one housing unit and has only used the provident fund loan once nationwide and has paid it off, they can apply for the provident fund loan again. At the same time, the down payment ratio for provident fund loans will be adjusted. The minimum down payment ratio for first and second homes under provident fund loans will not be less than 20%.