二套房最高贷120万 二手房最长贷30年

Core Viewpoint - The new "Tianjin Personal Housing Provident Fund Loan Management Measures" aims to enhance support for housing needs by increasing loan limits, adjusting loan calculations for second homes, and extending loan terms, effective from February 1, 2026, for a duration of five years [2][3]. Group 1: Loan Limit Adjustments - The maximum loan limits for first and second homes have been significantly increased from 1 million and 500,000 to 1.2 million and 1 million respectively [2]. - For families with multiple children, the loan limits can be raised by 20%, allowing for a maximum of 1.44 million for the first home and 1.2 million for the second home if they have two or more children, with at least one being underage [2]. Group 2: Loan Calculation and Terms - The calculation for the loan amount for second homes has been adjusted, allowing the loan to be up to 20 times the applicant's housing provident fund account balance, increased from the previous limit of 10 times [3]. - The maximum term for second-hand housing loans has been extended from 20 years to 30 years [3]. Group 3: Loan Application and Conditions - The loan acceptance date is defined as the date the bank submits the loan application to the municipal housing provident fund management center [3]. - Loans applied for before February 1, 2026, will still adhere to the previous policy regarding loan terms and limits [3]. - The policy applies to both pure provident fund loans and the provident fund portion of combined loans, with the loan amount determined by the property price, maximum loan limit, account balance, and repayment ability [3].