沈阳市提高住房公积金 “商转公”贷款比例限额

Core Viewpoint - The city of Shenyang is optimizing its housing provident fund loan policies to better support rigid and improved housing demand, with five key policy changes effective from January 2026 [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 for recognizing the number of housing units for housing provident fund loans will also be extended until December 31, 2026, allowing for re-loans after clearing previous loans [1] - The limit for "commercial to public" loan ratios will increase 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 provident fund loans will be expanded, increasing the loan limit to 1.3 times the previous amount, now applicable to both new and second-hand residential properties [1][2] Group 2: Impact on Borrowers - The adjustments aim to alleviate the financial burden on borrowers by providing more accessible loan options, particularly for new citizens and young people, thereby promoting reasonable housing consumption [2] - The changes are designed to match the actual housing needs of these groups, facilitating their ability to purchase second-hand homes, which is seen as a viable option in the current market [2]