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聊一聊:深圳公积金要交多久才能申请贷款买房?
Sou Hu Cai Jing· 2025-07-29 08:09
Core Points - The article discusses the requirements and regulations for applying for housing fund loans in Shenzhen, including the necessary contribution periods for different types of employees [2][5][6]. Group 1: Contribution Requirements - For company employees, a continuous contribution of 6 months is required to apply for a housing fund loan, and they must be in a normal contribution status at the time of application [2]. - For flexible employment individuals, a continuous contribution of 12 months is required, with a total contribution period of at least 36 months [2]. - If a couple applies together, one must meet the employee contribution requirement while the other meets the flexible employment requirement [2]. Group 2: Combining Contributions - Contributions made in other cities can be combined with those in Shenzhen for loan applications, provided that applicants submit proof of contributions from the other city [4][6]. - Employees who have contributed in other cities and are now contributing in Shenzhen for less than 6 months can still apply for loans by combining their contribution periods [6]. Group 3: Loan Conditions and Rates - The latest loan rates in Shenzhen are 2.1% for first-time homebuyers for loans under 5 years and 2.6% for loans over 5 years [7]. - The minimum down payment for first-time homebuyers is 20%, while for second homes, it is also 20% [7]. - The maximum loan amounts are 600,000 yuan for individuals and 1,100,000 yuan for families, with potential increases based on specific conditions [7]. Group 4: Inter-City Loan Recognition - Ten cities, including Shenzhen, have signed agreements to recognize housing fund contributions and loans across these cities, facilitating easier access to loans for employees [8]. - The agreement aims to streamline services, allowing for seamless loan applications and reducing required documentation [8]. Group 5: Additional Information - Employees can inquire about the possibility of applying for loans in their employment city if they are purchasing a home in a different city [9]. - Some cities have specific policies regarding loan applications based on the applicant's household registration status, while others do not impose such restrictions [10].