深圳楼市重磅！住房公积金贷款，二套首付比例降至20%！家庭最高可贷231万元！

Core Points - Shenzhen has announced new regulations to optimize housing provident fund loan and interest subsidy policies to better meet the housing needs of employees and enhance the protective role of the housing provident fund system [1][2][3][4][5] Group 1: Loan Amount Adjustments - The maximum loan amount for individual applications has been increased from 500,000 to 600,000 yuan, and for family applications from 900,000 to 1,100,000 yuan [1] - The floating rate for the first home purchase in the city has been raised from 20% to 40%, and for families with multiple children from 10% to 50%, with a cumulative maximum floating rate of 110% [1] Group 2: Minimum Down Payment Ratio - The minimum down payment ratio for housing provident fund loans has been adjusted to support employees' diverse housing needs, particularly for purchasing guaranteed housing [2] Group 3: Interest Subsidy Enhancements - The interest subsidy rates have been increased: for those with 1 to 5 years of contribution, the subsidy rises from 5% to 10%; for 5 to 10 years, from 8% to 15%; and for 10 years or more, from 12% to 20% [3] Group 4: Removal of Restrictions for Non-Local Contributors - The restrictions on household registration and first home status for non-local contributors applying for housing provident fund loans have been removed, allowing them to apply for loans regardless of their residency status [4] Group 5: Spousal Account Balance Utilization - A new "loan repayment offset" service has been introduced, allowing employees to use both their and their spouse's provident fund account balances to offset the principal and interest of housing provident fund loans [5]