2026年2月26日前已受理但未发放的公积金贷款，借款申请人与购房合同各方协商一致的，可向贷款受 理机构申请撤销原贷款申请，按照调整后的贷款条件、额度等政策重新申请公积金贷款，具体可咨询公 积金贷款受理机构。 免责声明：本文内容与数据由观点根据公开信息整理，不构成投资建议，使用前请核实。 2026年2月26日前受理的公积金贷款按原政策执行，2026年2月26日（含）后受理的公积金贷款按调整后 的政策执行。 观点网讯：2月25日，上海市公积金管理中心介绍，根据《关于优化本市住房公积金个人住房贷款政策 的通知》（沪公积金管委会〔2026〕1号），相关政策调整自2026年2月26日起施行。 ...

新华财经上海2月25日电继上海市住房城乡建设管理委、市房屋管理局、市财政局、市税务局、市公积 金管理中心等五部门联合印发《关于进一步优化调整本市房地产政策的通知》后，上海市公积金管理中 心发布《关于优化本市住房公积金个人住房贷款政策的通知》，自2026年2月26日起施行。 （二）第二套住房。缴存人家庭申请公积金贷款购买住房时，家庭名下在本市已有一套住房的，认定为 第二套住房。 （三）存在下列情形之一的，继续不予贷款： 一、关于公积金最高贷款额度 （一）首套住房。个人公积金最高贷款额度调整为100万元，家庭公积金最高贷款额度调整为200万元。 缴交补充公积金的，个人公积金最高贷款额度增加20万元，家庭公积金最高贷款额度增加40万元。 （二）第二套住房。个人公积金最高贷款额度调整为80万元，家庭公积金最高贷款额度调整为160万 元。缴交补充公积金的，个人公积金最高贷款额度增加20万元，家庭公积金最高贷款额度增加40万元。 多子女家庭购买首套及第二套住房的，公积金最高贷款额度均可上浮20%。缴存人家庭购买符合规定的 二星级及以上新建绿色建筑住房的，公积金最高贷款额度上浮15%保持不变。同时符合以上两种情形 的，上浮 ...

齐鲁晚报.齐鲁壹点于伟 具体政策调整如下：缴存人家庭名下合计仅有1笔住房公积金贷款记录且在所购住房县(市、区)范围内 无住房的，执行首套房公积金贷款政策。缴存人家庭名下无住房公积金贷款记录且在所购住房县(市、 区)范围内仅有1套住房的，执行首套房公积金贷款政策。 2月13日，从济宁市住房公积金管理中心获悉，济宁调整住房公积金贷款房屋套数认定标准部分政策， 从而更好支持缴存人刚性和改善性住房需求。 ...

Core Viewpoint - The Yancheng Housing Provident Fund Management Committee has announced an optimization and adjustment of housing provident fund policies to support housing consumption and meet the housing needs of employees, aiming to promote the stable and healthy development of the local real estate market [12][23]. Group 1: Policy Adjustments - The recognition criteria for first-time housing provident fund loans have been relaxed, allowing individuals and their spouses without outstanding loans to apply for loans under the first-time homebuyer policy [1][13]. - The definition of family members eligible for joint home purchases has been expanded to include the employee, spouse, both parents, children, and their spouses, allowing for greater access to loan amounts and fund withdrawals [3][15]. - The maximum loan amounts for families with multiple children have been increased, with an additional 300,000 yuan for families with two children and 600,000 yuan for families with three or more children [5][30]. Group 2: Support for Specific Groups - The maximum loan amount for active-duty and retired military personnel has been increased by 50%, enhancing support for these groups in purchasing homes [7][19]. - The monthly withdrawal limits for housing provident funds to pay rent have been raised, with personal limits in urban areas increasing from 800 yuan to 1,200 yuan and family limits from 1,600 yuan to 2,000 yuan [8][20]. - The policy now allows for the withdrawal of housing provident funds to pay property management fees, with a limit of 3,000 yuan per year for individuals and 6,000 yuan for families [10][45]. Group 3: Implementation Timeline - Policies regarding the relaxation of loan recognition, family member definitions, and increased loan limits for multiple children and military personnel will take effect immediately upon the announcement [11][46]. - The policies related to rent payment and property fee withdrawals will be implemented starting January 1, 2026 [11][56].

近日，多地发布楼市新政。 1月26日，天津发布住房公积金新政，其中提出，将首套、第二套住房贷款最高限额分别由100万元、50万元提高至120万元、100万元，养育 两个及以上子女且至少一个子女未成年的，首套、第二套住房贷款最高限额分别由120万元、50万元提高至144万元、120万元；将二手住房贷 款最长期限由20年延长至30年等。 1月22日，湖南省湘潭市发布七条稳楼市新政，其中提出，发放购房补贴，最高16000元/套；降低多孩家庭购房信贷门槛，在拟购住房所在区 已有住房的，在认定住房套数时核减一套；提升住房公积金对创业大学生、青年人才和高层次人才的支持力度，最高可享受280万元的住房公 积金贷款额度。 1月26日，天津发布《个人住房公积金贷款管理办法》（以下简称《贷款办法》），自2026年2月1日起施行，有效期5年。 天津调整住房公积金贷款政策 主要调整内容有三个方面： 其中提出，发放购房补贴，鼓励住房消费。对购买市城区新房并完成契税缴纳的购房人，给予真金白银的财政补贴。补贴标准较以往政策大 幅提升：购买144平方米及以下住房的，补贴8000元/套；购买144平方米以上住房的，补贴16000元/套。此举直 ...

Core Viewpoint - The Tianjin Housing Provident Fund Management Center has announced adjustments to the current loan policies to better support housing consumption, introducing the "Tianjin Personal Housing Provident Fund Loan Management Measures" [1] Summary by Categories Loan Limits - The maximum loan limits for first and second homes will be increased from 1 million yuan and 500,000 yuan to 1.2 million yuan and 1 million yuan respectively [1] - For families with two or more children, where at least one child is underage, the maximum loan limits for first and second homes will be raised from 1.2 million yuan and 500,000 yuan to 1.44 million yuan and 1.2 million yuan respectively [1] Loan Calculation Adjustments - The calculation of loan amounts for second homes will change, with the maximum loan amount now being up to 20 times the balance of the applicant's housing provident fund account, increased from the previous limit of 10 times [1] Loan Term Extensions - The maximum loan term for second-hand housing will be extended from 20 years to 30 years [1] Implementation Timeline - The new loan measures will take effect on February 1, 2026, and will remain valid for five years [1]

通过调整个人住房公积金贷款（以下简称"公积金贷款"）政策，加大对缴存人刚性和改善性住房需求的 支持力度，助力实现住有所居、住有宜居。 三、《贷款办法》调整的主要内容是什么？ 1．提高贷款最高限额。将首套、第二套住房贷款最高限额分别由100万元、50万元提高至120万元、100 万元。养育两个及以上子女且至少一个子女未成年的，首套、第二套住房贷款最高限额分别由120万 元、50万元提高至144万元、120万元。 1月26日金融一线消息，天津市住房公积金管理中心今日发布《天津市个人住房公积金贷款管理办法》 政策解读，介绍了现行贷款政策调整相关问题。 一、本次政策出台的背景和依据是什么？ 为深入贯彻落实党的二十大和二十届历次全会精神，更好发挥住房公积金支持住房消费作用，结合我市 实际，对现行贷款政策进行调整，出台《天津市个人住房公积金贷款管理办法》（以下简称《贷款办 法》）。 二、《贷款办法》调整的目标任务是什么？ 2．提高第二套住房计算贷款额度的账户余额倍数。将第二套住房贷款额度不高于贷款申请人住房公积 金账户余额的10倍调整为不高于贷款申请人住房公积金账户余额的20倍。 3．延长二手住房贷款最长期限。将二手住房 ...

每经AI快讯，据天津市公积金中心官网消息，天津市住房公积金管理中心今日（26日）印发《天津市 个人住房公积金贷款管理办法》（以下简称《贷款办法》），其中指出：1.提高贷款最高限额，将首 套、第二套住房贷款最高限额分别由100万元、50万元提高至120万元、100万元。养育两个及以上子女 且至少一个子女未成年的，首套、第二套住房贷款最高限额分别由120万元、50万元提高至144万元、 120万元。2.提高第二套住房计算贷款额度的账户余额倍数。将第二套住房贷款额度不高于贷款申请人 住房公积金账户余额的10倍调整为不高于贷款申请人住房公积金账户余额的20倍。3.延长二手住房贷款 最长期限。将二手住房贷款最长期限由20年延长至30年。该《贷款办法》自2026年2月1日起施行。贷款 受理日期在2026年2月1日之前的，可贷年限及额度仍按《贷款办法》施行前的政策执行。贷款受理日期 为贷款银行向市住房公积金管理中心提交缴存人贷款申请之日。 ...

Core Points - The Tianjin Housing Provident Fund Center has released new regulations for personal housing provident fund loans, effective from February 1, 2026 [1] Group 1: Loan Limits - The maximum loan limit for first and second homes has been increased from 1 million and 500,000 to 1.2 million and 1 million respectively [1] - For families with two or more children, where at least one child is underage, the maximum loan limit for the first and second homes has been raised to 1.44 million and 1.2 million respectively [1] Group 2: Loan Calculation Adjustments - The calculation of loan amounts for second homes has been adjusted, allowing the loan amount 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 loan term for second-hand housing has been extended from 20 years to 30 years [1]

Core Viewpoint - The new housing provident fund policy in Yinchuan aims to support housing demand and promote high-quality development in the real estate market through expanded withdrawal options and optimized loan rules [1][2]. Group 1: Policy Adjustments - The new policy introduces additional scenarios for provident fund withdrawals, including home modifications for the elderly and disabled, effective until December 31, 2027 [1]. - Withdrawals for housing structural reinforcement, self-renovation, and original reconstruction are capped at a maximum of 100,000 yuan, with the total not exceeding actual expenses [1]. - For energy-efficient renovations of self-occupied homes built before the end of 2005, withdrawals can reach up to 50,000 yuan [1]. - A new annual withdrawal policy allows homebuyers to withdraw from their provident fund within five years of purchasing a home, with the total not exceeding the purchase price [1]. Group 2: Loan Optimization - The policy allows couples to apply for a second provident fund loan after marriage if they have each used one loan before marriage and have repaid it [2]. - Veterans can apply for provident fund loans with a 20% increase over the maximum limit, without being restricted by balance multiples [2]. - Families with multiple children can receive increased loan limits, with an additional 200,000 yuan for families with two children and 300,000 yuan for families with more than two children [2]. - Families with a continuous contribution of 10 years or a cumulative contribution of 15 years without using a loan are exempt from balance multiple restrictions, with this policy becoming a permanent adjustment [2].