长沙调整住房公积金业务政策：放宽贷款条件 提高贷款额度

Core Viewpoint - Changsha's Housing Provident Fund Management Committee has adjusted housing provident fund policies to make it easier for employees to obtain loans and increase loan limits for families with multiple children [1] Policy Adjustments - The requirement for "12 months of continuous normal contributions" has been changed to "6 months of continuous normal contributions" for loan eligibility [1] - The regulation stating that "both the employee and their spouse must not have more than two provident fund loan records" has been removed [1] - The rule that counted properties owned by divorced couples against the housing count for loan applications within two years of divorce has been eliminated [1] Loan Limit Increases - For families having a second or third child, the maximum loan amount for purchasing the first or second self-owned home will increase by 20% and 30% respectively, based on the current maximum loan limit [1] - Families meeting criteria for young talent or high-level talent in Changsha can have their loan limits increased, with the maximum increase not being cumulative [1] New Application Procedures - From the date of policy implementation, families purchasing their first self-owned home, specifically new commercial housing, can apply for both housing provident fund withdrawals and loans [1] - Single employees and those contributing from other locations can apply for provident fund loans when purchasing their first or second self-owned home [1] - The restriction on withdrawing housing provident funds for purchasing, building, renovating, or repairing a self-owned home after two previous withdrawals has been removed [1]