套数认定有变、新增“商转组”、贷款额度直接拉满！泰安公积金贷款新政今日落地→

Core Viewpoint - The Tai'an Housing Provident Fund Center announced an optimization of housing provident fund loan policies, effective from June 20, 2025, which includes various measures to support families, especially those with multiple children and high-level talents, with a maximum loan amount reaching 1.6 million yuan [1]. Group 1: Loan Amount Adjustments - The maximum loan amount for families with multiple children can reach 1.1 million yuan if both spouses have continuously contributed to the housing provident fund [4]. - For high-level talents holding specific talent cards, the maximum loan amount can be 1.45 million yuan for couples and 1.1 million yuan for single applicants [4]. - The overall maximum loan amount, considering various factors such as high-quality housing and multiple children, can reach 1.6 million yuan [4]. Group 2: Loan Calculation and Flexibility - Families applying for housing provident fund loans can have their loan amount calculated at a minimum of 300,000 yuan if their calculated amount based on the provident fund balance is below this threshold [4]. - The recognition of the number of housing units owned by the borrower has been made more flexible, with different criteria for urban and rural areas [3][5]. - The previous limit that the total of the provident fund loan and outstanding commercial loans could not exceed 1.2 million yuan has been removed, allowing for a more comprehensive assessment of the borrower's repayment capacity [3][5]. Group 3: Commercial Loan Conversion - A new "commercial loan to combined loan" service has been introduced, allowing borrowers to convert part of their existing commercial housing loans into housing provident fund loans, thereby reducing monthly repayment pressure [6]. - This conversion must be processed at the same branch of the bank that manages the original commercial loan and must meet specific conditions [6].