上海市公积金管理中心：提高住房公积金最高贷款额度

Core Viewpoint - Shanghai has announced adjustments to its housing provident fund policies, effective from February 26, 2026, aimed at optimizing the real estate market and enhancing home purchasing capabilities for residents. Group 1: Maximum Loan Amount Adjustments - The maximum loan amount for the first home is set at 1 million yuan for individuals and 2 million yuan for families. An additional 200,000 yuan for individuals and 400,000 yuan for families is available for those contributing to supplementary provident funds [2] - For the second home, the maximum loan amount is adjusted to 800,000 yuan for individuals and 1.6 million yuan for families, with similar additional amounts for supplementary fund contributors [2] - Families with multiple children purchasing either their first or second home can have their loan limits increased by 200,000 yuan for individuals and 400,000 yuan for families. Additionally, purchasing green buildings can increase the loan limit by 15%, with a potential total increase of 35% if both conditions are met [2] Group 2: Loan Eligibility Criteria - Priority is given to first-time homebuyers, allowing families with no homes or only one home in the city to apply for a provident fund loan if their previous loans are settled and they meet other conditions [3] - A home is recognized as the first if the family has no homes in the city at the time of application. A second home is recognized if the family already owns one home in the city [3] Group 3: Loan Denial Conditions - Loans will not be granted if the family has outstanding provident fund loans nationwide, is purchasing a third home or more in the city, or if out-of-province employees have two or more loan records nationwide [4] - The new policies will take effect on February 26, 2026, while applications received before this date will follow the existing policies [4]