南京调整公积金贷款额度

Core Points - The Nanjing Housing Provident Fund Management Center announced an increase in the maximum loan amount for individual contributors from 500,000 yuan to 800,000 yuan, while the family loan limit remains at 1 million yuan [1] - The adjustment aims to support the rising number of single homebuyers, particularly new citizens and young people, considering factors such as housing market conditions and loan risk prevention [1] - The new loan limits will reduce monthly payments and total interest savings for borrowers, with a specific example showing a monthly payment reduction of 59.90 yuan and total savings of approximately 215,640 yuan over 30 years [1] Loan Adjustment Details - The new loan limits for families with multiple children and other specific conditions allow for a maximum loan increase of 20%, leading to potential loan amounts of 960,000 yuan for individuals and 1,200,000 yuan for families [2] - The cumulative maximum loan amounts can reach 1,160,000 yuan for individuals and 1,440,000 yuan for families when combining multiple conditions [2] - The adjustments will be effective from October 9, 2025, until December 31, 2027, with provisions for loans issued before the effective date to be adjusted upon borrower consent [3]