青岛调整优化住房公积金政策 贷款最高额度不超过170万元

Core Viewpoint - Qingdao City Housing Provident Fund Management Center has announced an optimization and adjustment of housing provident fund loan policies, which includes changes to loan support limits, repayment ability coefficients, and enhanced support for multi-child families Group 1: Loan Policy Adjustments - The maximum loan amount for housing provident fund loans has been set at 1.7 million yuan after adjustments [1] - Multi-child families can benefit from increased loan limits when purchasing high-quality or green housing, with the maximum loan amount reaching 1.7 million yuan if both the borrower and spouse meet the application criteria; if only the borrower qualifies, the limit is 1.1 million yuan [1] - The repayment ability coefficient has been adjusted from 30% to 40%, which will increase the loan amount based on the borrower's monthly contribution [1] Group 2: Support for Multi-Child Families - Multi-child families who contribute to the housing provident fund from other locations can apply for a 30% increase in their loan limit when purchasing self-occupied housing in Qingdao [2] - For multi-child families purchasing a second self-occupied home in the district where the property is located, the loan will be recognized as a first home [2] - Recent policies in cities like Qingdao, Hangzhou, and Xi'an support the use of housing provident funds for down payments, indicating a trend towards optimizing the use of these funds nationally [2]