超预期！深圳大幅上调公积金贷款额度，家庭最高231万元！

Core Viewpoint - The new housing provident fund policies in Shenzhen aim to enhance housing affordability and support for various demographics, particularly families with multiple children, by increasing loan limits and adjusting down payment requirements [1][4]. Summary by Sections Loan Limit Adjustments - The maximum loan amount for individuals has been increased from 500,000 to 600,000 yuan, and for families from 900,000 to 1,100,000 yuan [2]. - The floating limit for first-time home purchases has been raised from 20% to 40%, and for families with multiple children, from 10% to 50% [2]. - The cumulative floating limit can reach up to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [2]. Dynamic Adjustment Mechanism - The loan limit will be adjusted based on the previous year's housing provident fund loan rate, with a new maximum loan amount set at 16 times the account balance [3]. - The minimum down payment for second homes has been reduced from 30% to 20%, and for affordable housing from 20% to 15% [3]. Support for Multi-Child Families - Multi-child families can apply for first-time home loan benefits when purchasing a second home, including a 40% floating limit and a 50% increase for multiple children [4]. New Services and Flexibility - A new "loan repayment offset" service allows couples to use their combined provident fund balances to offset loan principal and interest [4]. - The restrictions on changing loan borrowers and mortgagors have been relaxed, allowing changes due to divorce or inheritance [4]. Accessibility for Non-Local Contributors - The policy now allows non-local contributors to apply for housing provident fund loans without restrictions on residency or first-time home purchases [5][6]. Interest Subsidy Adjustments - The interest subsidy rates have been increased: from 5% to 10% for contributors with 1 to 5 years of contributions, from 8% to 15% for 5 to 10 years, and from 12% to 20% for over 10 years [6]. Broader Policy Context - Over 380 cities have optimized their housing provident fund policies since last year, focusing on lowering down payment ratios and increasing loan limits [6].