天津公积金提高贷款最高限额 延长二手住房贷款最长期限

Core Viewpoint - The Tianjin Housing Provident Fund Management Center has issued new regulations to enhance housing loan limits and terms, effective from February 1, 2026, aimed at supporting homebuyers and families with children [1] Group 1: Loan Limit Increases - The maximum loan limit for first-time homebuyers has been increased from 1 million yuan to 1.2 million yuan, and for second homes from 500,000 yuan to 1 million yuan [1] - Families with two or more children, with at least one child under 18, will see the first home loan limit rise to 1.44 million yuan and the second home limit to 1.2 million yuan [1] Group 2: Loan Calculation Adjustments - The calculation for the second home loan amount has been adjusted, allowing the loan to be up to 20 times the balance in the housing provident fund account, increased from the previous limit of 10 times [1] Group 3: Loan Term Extensions - The maximum term for second-hand housing loans has been extended from 20 years to 30 years [1] - Loans applied for before February 1, 2026, will still adhere to the previous policy regarding loan terms and limits [1]