首付比例降至15%，在济南买保障房用公积金可享两项叠加优惠

Core Points - The Jinan Housing Provident Fund Center is implementing two combined benefits for employees contributing to the provident fund who purchase designated affordable housing, aimed at reducing the threshold for home buying [1] Group 1: Policy Changes - The minimum down payment ratio for employees purchasing designated affordable housing has been reduced from 20% to 15%, easing the financial burden on homebuyers [1] - For example, on a property priced at 1 million yuan, the down payment can decrease from 200,000 yuan to 150,000 yuan, reducing the initial payment pressure by 50,000 yuan [1] Group 2: Fund Withdrawal and Loan Processing - Employees can withdraw their provident fund balance to pay the down payment and still apply for a provident fund loan, with the withdrawn amount included in the loan calculation, allowing for "fund stacking without reduction in loan limits" [1] - For instance, if an employee withdraws 80,000 yuan from their account, the maximum loan amount can still be calculated based on the original 80,000 yuan balance, alleviating down payment pressure while ensuring loan eligibility [1] Group 3: Withdrawal Process - The withdrawal process allows both the buyer and their immediate family members (parents, children) to use their provident fund for the down payment, provided they are on the same household registration [1][2] - Applicants must present identification and relevant documents at the provident fund center to initiate the withdrawal process [2] - The process includes signing an authorization letter, verification of eligibility and amount, and completing the housing contract within three working days [3]