1月起，沈阳优化5项住房公积金贷款政策

Core Viewpoint - The city of Shenyang is set to optimize five housing provident fund loan policies starting January 2026 to better support rigid and improved housing demands, as approved by the Shenyang Housing Provident Fund Management Committee [1] Group 1: Policy Changes - The minimum down payment ratio policy will be extended until December 31, 2026, maintaining a minimum down payment ratio of 15% for housing provident fund loans [1] - The policy regarding the recognition of housing loan counts will also be extended until December 31, 2026, allowing individuals who have used housing provident fund loans twice or more to apply for new loans after settling previous ones [1] - The limit for converting commercial loans to provident fund loans will be increased from 60% to 80% of the housing price, theoretically increasing the loan amount by 20% [2] - The eligibility for new citizens and young people to access housing loans will be expanded, increasing the loan limit to 1.3 times the previous amount, now applicable to both new and second-hand self-occupied housing [2] Group 2: Impact on Borrowers - The increase in the "commercial to public" loan limit is expected to significantly reduce the repayment burden for borrowers with substantial remaining commercial loans, enhancing the benefits of low-interest provident fund loans [2] - The adjustments aim to better match the actual housing needs of new citizens and young people, thereby reducing their financial pressure when purchasing homes and promoting stable and healthy development in the real estate market [2] - The Shenyang Housing Provident Fund Management Center has also revised regulations for flexible employment individuals, streamlining account opening requirements and adjusting monthly payment amounts [3]