Core Viewpoint - The Hainan Provincial Housing Provident Fund Management Bureau has announced adjustments to the personal housing loan repayment capacity standards to enhance support for contributors and alleviate financial pressure on home purchases [1] Group 1: Policy Adjustments - The monthly repayment capacity assessment standard for borrowers has been adjusted, increasing the maximum ratio of monthly repayment to family monthly income from 55% to 60% [1] - The calculation formula for repayment capacity is defined as: Repayment Capacity = Family Monthly Income × 60% - Family Monthly Debt - Family Monthly Guarantee [1] Group 2: Implementation Details - The new policy will be interpreted by the Hainan Provincial Housing Provident Fund Management Bureau and will take effect from November 1, 2025 [1]
海南：优化调整住房公积金个人住房贷款还款能力认定标准
Yang Shi Wang·2025-10-29 15:43