Core Viewpoint - The Shenzhen Municipal Housing Provident Fund Management Committee has announced adjustments to housing provident fund loan and interest subsidy policies to better meet the housing needs of employees and enhance the protective role of the housing provident fund system. Group 1: Loan Amount Adjustments - The maximum loan amount for individuals has been increased from 500,000 yuan to 600,000 yuan, and for families from 900,000 yuan to 1,100,000 yuan [4] - The floating rate for purchasing the first home in the city has been raised from 20% to 40%, and for families with multiple children from 10% to 50% [5] - The maximum floating rate can accumulate to 110%, allowing individuals to borrow up to 1,260,000 yuan and families up to 2,310,000 yuan [6] Group 2: Loan Multipliers and Repayment Capacity - The loan amount can now be up to 1.6 times the account balance, increased from the previous 1.4 times [8] - The final loan amount will be determined based on the employee's repayment ability and loan term [9] - This adjustment aims to support low- and middle-income families and younger workers with relatively low account balances [10] Group 3: Down Payment Adjustments - The minimum down payment for the second set of commercial housing has been reduced from 30% to 20% for both first and second homes [13] Group 4: Policies for Families with Multiple Children - Families with two or more children can apply for first-home loan policies when purchasing a second set of commercial housing, including a 40% floating rate for the first home and a 50% floating rate for multiple children [16][17] Group 5: Spousal Loan Repayment - A new "loan repayment offset" policy allows employees to use both their and their spouse's provident fund account balances to offset the principal and interest of the housing provident fund loan [19] Group 6: Changes in Borrower Registration - The policy has been relaxed to allow changes in borrower and mortgagor registration due to divorce, property division, or inheritance, even if the loan is not fully repaid [25] Group 7: Cross-Region Loan Accessibility - The restrictions on household registration and first-home status for cross-region loans have been removed, allowing non-local employees to apply for loans under the same conditions as local employees [27][28] Group 8: Interest Subsidy Enhancements - The interest subsidy rates have been increased: from 5% to 10% for those with 1 to less than 5 years of contribution, from 8% to 15% for 5 to less than 10 years, and from 12% to 20% for 10 years or more [33]
刚刚，深圳公积金大消息！
21世纪经济报道·2025-03-16 03:07