【聊一聊】深圳公积金贷款全攻略（利率+条件+额度）

Core Points - The article discusses the guidelines and conditions for applying for housing provident fund loans in Shenzhen, highlighting the advantages of low interest rates and manageable repayment pressure for homebuyers [1] Group 1: Loan Conditions - For company employees, a minimum of 6 months of continuous contributions to the housing provident fund is required, and they must be in a normal contribution status at the time of application [2] - For flexible employment individuals, a minimum of 12 months of continuous contributions is required, with a total contribution period of at least 36 months [2] - Couples applying together must meet the respective contribution requirements of both parties [3] Group 2: Credit Report Restrictions - Applicants with certain negative credit records, such as multiple overdue payments or being listed as a dishonest debtor, are ineligible for housing provident fund loans [3] Group 3: Loan Interest Rates - As of May 8, 2025, the interest rates for personal housing provident fund loans will be reduced by 0.25 percentage points, with rates set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years for the first home [4] Group 4: Down Payment Requirements - The minimum down payment for the first home using the housing provident fund loan is 20%, and the same applies for the second home [5] - For purchasing guaranteed housing, the minimum down payment is set at 15% [6] Group 5: Loan Amount Limits - The maximum loan amount is 600,000 for individuals and 1,100,000 for families, with potential increases for those meeting specific conditions [9] - The loan amount is calculated based on 16 times the balance of the housing provident fund account, subject to the maximum limits [9]