沈阳公积金新政：提高“商转公”贷款比例限额至总价的80%

Core Viewpoint - The government of Shenyang is optimizing five housing provident fund loan policies starting from January 2026 to better support rigid and improvement housing demands, in line with the central economic work conference spirit [1] Group 1: Policy Extensions - The minimum down payment ratio policy for housing provident fund loans, set at 15%, will be extended until December 31, 2026 [1] - The policy for recognizing the number of housing units for housing provident fund loans, applicable to those who have used the fund twice or more, will also be extended until December 31, 2026 [1] Group 2: Loan Flexibility - The repayment period limit for original commercial loans will be removed for flexible employment individuals, out-of-town contributors, and active military personnel applying for "commercial to public" loans [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 New Citizens and Youth - The housing loan limit for new citizens and youth will be increased to 1.3 times the previous limit, expanding the policy's applicability from newly built commercial housing to include both newly built commercial housing and second-hand self-occupied housing [1]