江苏泰州：扩大公积金账户余额支付购房首付款提取范围 支持使用“房票”作为住房公积金贷款首付款

Core Viewpoint - The housing provident fund policy in Taizhou, Jiangsu Province has been adjusted to expand the scope of withdrawal for down payments and increase loan limits for home purchases [1] Summary by Relevant Categories Policy Adjustments - The scope for withdrawing housing provident fund account balances for down payments has been expanded to include not only the buyer and their spouse but also the buyer's parents and children [1] - The minimum loan amount for housing provident fund loans has been increased from 200,000 to 300,000 yuan [1] Loan Limits - The maximum loan limit for dual-income households has been raised from 1 million to 1.3 million yuan, while for single-income households, it has increased from 500,000 to 800,000 yuan [1] - For employees with a master's degree or higher, the maximum loan limit for dual-income households has been increased from 1.5 million to 1.8 million yuan, and for single-income households from 750,000 to 1.05 million yuan [1] - Families with two children can now borrow up to 1.7 million yuan for dual-income households and 1 million yuan for single-income households, while families with three children can borrow up to 1.9 million yuan for dual-income households and 1.1 million yuan for single-income households [1] Loan Terms - The maximum loan term for male employees has been extended to age 68, while for female employees, it has been extended to age 63, with certain exceptions allowing for an extension to age 68 for women with senior titles [1] - A 20% increase in loan limits is available for families selling their own homes in the city and purchasing new homes within one year [1] Use of "Housing Tickets" - "Housing tickets" can now be used as a down payment for housing provident fund loans, with the amount based on the face value of the ticket [1]