海南优化调整公积金住房贷款还款能力认定标准

Core Viewpoint - The Hainan Provincial Housing Provident Fund Management Bureau announced an increase in the maximum ratio of monthly housing loan repayments to family monthly income from 55% to 60%, effective November 1. This policy aims to alleviate the repayment burden on homebuyers and enhance their housing consumption capacity [1]. Summary by Relevant Categories Policy Changes - The adjustment in the repayment capacity standard allows for a higher loan amount for employees using the provident fund for home purchases, reflecting the province's commitment to support reasonable housing consumption [1]. Financial Impact - The new calculation formula for repayment capacity is: Repayment Capacity = Family Monthly Income × 60% - Family Monthly Debt - Family Monthly Guarantee. This change indicates that families can now afford higher monthly repayments, thus increasing their potential loan amounts [1].