家庭最高可贷231万元，深圳发布公积金新政

Core Points - Shenzhen Municipal Housing Provident Fund Management Committee has announced adjustments to housing 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] - The new policies will take effect on March 24, 2025 [1] Summary by Sections Loan Amount Adjustments - The maximum individual loan amount has been increased from 500,000 yuan to 600,000 yuan, and the maximum family loan amount has been raised from 900,000 yuan to 1,100,000 yuan [1] - The floating rate for purchasing the first home in Shenzhen has been increased from 20% to 40%, while the floating rate for families with multiple children has been raised from 10% to 50% [1] - The maximum floating rate can reach up to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [1] Dynamic Adjustment Mechanism - The dynamic adjustment mechanism will be optimized based on the previous year's housing provident fund loan rate, allowing for adjustments to the floating rate or suspension of the floating rate [1] Loan Accessibility Enhancements - The loanable amount has been increased from 14 times the account balance to 16 times, while still adhering to the maximum limits [2] - 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 the housing loan [2] Policy for Non-Local Contributors - The restrictions on household registration and first home status for non-local contributors applying for housing loans in Shenzhen have been removed [3]