"青居贷"产品的推出不仅是张家港农商银行在住房金融领域的一次创新，也是该行服务品牌"大家金融 成就大家"的生动注解。朱佳令 考虑到年轻人收入特征及未来成长空间，张家港农商银行为该群体量身定制了"青居贷"特色住房按揭贷 款产品。该产品采用前5年少还本金，第6年起还款方式恢复传统等额本息或等额本金的还款方式，大幅 降低年轻人购房初期的还款压力，每月还款本金低至100元，以"时间换空间"的方式为年轻人实现"安居 港城"的愿景。原则上，大学毕业10年内的年轻人只要满足近半年连续在张家港缴纳社保，并且本地区 没有其他未还清的房贷，同时符合张家港市政府人才标准，即可申请。 近期，张家港农商银行推出"青居贷"个人特色住房按揭贷款产品。该产品的推出是该行进一步落实张家 港市委、市政府号召，助力青年、新市民在张家港实现安居乐业美好愿景的具体举措，着力减轻新市 民、青年群体前期还款压力，成为广大客户置业路上的坚实后盾。 ...

Core Insights - The article highlights the innovative efforts of China Construction Bank's Fujian branch in addressing housing challenges through various financial services and products, contributing to housing reform in the region [1][2][5] Group 1: Innovation in Housing Finance - China Construction Bank Fujian branch pioneered the first commercial housing loan in China in 1980, providing 70.3 million yuan to support the construction of 600 housing units [2] - The bank has introduced various housing finance products, including a 30-year personal housing loan covering 70% of financing needs for residents in Fuzhou's shantytown redevelopment [2] - The bank's innovative approach includes the launch of "安居贷款" (Anju Loan) and participation in national housing projects, showcasing its strong innovation capabilities in housing finance [2] Group 2: Technology-Driven Services - The Fujian branch has developed an integrated platform for housing provident fund services, allowing residents to handle transactions online, significantly improving convenience [3] - The bank's collaboration with local governments has led to innovations such as direct connections for provident fund mortgages and seamless processing for second-hand housing transactions [3] - The use of technology has enabled the bank to streamline various housing-related services, enhancing the overall customer experience [3] Group 3: Affordable Housing Initiatives - The "双龙新居" project in Fuzhou represents a new model for affordable housing, offering 701 units designed to meet the needs of low-income families while adhering to high construction standards [4] - The bank has established a specialized approach to support the development of affordable housing, including project loans and dedicated consulting services [5] - The bank's commitment to creating "good houses" emphasizes safety, comfort, and sustainability in housing development [5]