武汉楼市优惠新政来了，公积金最高可贷150万元

Core Viewpoint - Wuhan City has announced new policies to promote stable and healthy development in the real estate market, including an increase in the maximum housing provident fund loan limits for families [1][2]. Group 1: Loan Limits - The maximum housing provident fund loan limit for families with dual contributors has been raised from 1.2 million to 1.5 million yuan [2][3]. - For families with a single contributor, the maximum loan limit remains at 1.2 million yuan [2][3]. Group 2: Loan Calculation Adjustments - The repayment capacity calculation for housing provident fund loans has been adjusted, increasing the repayment ratio from 35% to 40% [3]. - The formula for calculating the loan amount based on repayment capacity is: (borrower's contribution base + spouse's contribution base) × repayment ratio × 12 months × loan term [3]. Group 3: Loan Eligibility Adjustments - From October 1, 2025, to June 30, 2026, a property currently listed for sale will not count towards the loan limit when applying for a housing provident fund loan for new purchases [4]. - Families selling their only property can apply for a first-time home loan, while those selling one of two properties can apply for a second home loan [4]. Group 4: Interest Subsidies and Support - A 1% interest subsidy on the initial loan amount will be provided for families purchasing their first new home in specified districts, with a maximum subsidy of 20,000 yuan, distributed over two years [5]. - There is also a 50% subsidy on the actual paid deed tax for purchasing new commercial properties from October 1, 2025, to June 30, 2026 [5]. Group 5: Housing and Residency Policies - Individuals purchasing new commercial properties can apply for residency based on their property registration certificate, allowing eligible family members to relocate [6][7]. - The policy supporting multi-child families in purchasing homes has been extended until December 31, 2026 [7].