在宁乡第三套房可以公积金贷款吗？

Core Viewpoint - The new housing policy in Ningxiang has led to a surge in sales, but public housing fund loans are not available for the purchase of a third home or more [1] Group 1: Public Housing Fund Loan Regulations - Public housing fund loans for the third home purchase are not permitted in Ningxiang and Changsha [1] - The number of housing units is determined based on the housing registration information in Ningxiang, regardless of other cities [2] - For cross-city loans, the housing unit count is based on the housing registration information from both Ningxiang and the main borrower's public housing fund contribution location [2] Group 2: Loan Amounts and Adjustments - The maximum loan amount for families with two or three children purchasing new homes is increased by 20% and 30% respectively, with maximum amounts of 800,000 yuan for first-time buyers and up to 1,040,000 yuan for families with three children [3] - Young talents under 35 years old with a full-time bachelor's degree or higher can apply for a loan amount up to 1.5 times the current maximum, independent of their public housing fund account balance [5] Group 3: Down Payment and Interest Rates - The minimum down payment for first or second homes has been uniformly adjusted to 20% [6] - The interest rates for public housing fund loans will be reduced by 0.25 percentage points starting May 8, 2025, with new rates set at 2.1% for loans up to 5 years and 2.6% for loans over 5 years for first homes [7]