沈阳优化5项住房公积金贷款政策

Core Viewpoint - The city of Shenyang is optimizing its housing provident fund loan policies, effective from January 2026, to enhance accessibility for various groups, including new citizens and young people [1] Group 1: Policy Extensions - The minimum down payment ratio for housing provident fund loans, set at 15%, will be extended until December 31, 2026 [1] - The policy allowing re-loans for those who have used housing provident fund loans two or more times will also be extended until December 31, 2026 [1] Group 2: Loan Flexibility - The restriction on the repayment period of original commercial loans for flexible employment individuals, cross-region contributors, and active military personnel applying for "commercial to public" loans will be removed [1] - The loan-to-value ratio for "commercial to public" loans will increase from 60% to 80% of the property price [1] Group 3: Support for Specific Demographics - The loan limit for housing provident fund loans for new citizens and young people will be increased to 1.3 times the previous limit, expanding eligibility from new commercial housing to include both new commercial housing and second-hand self-occupied housing [1]