Loan Limits and Interest Rates - The maximum single loan amount for public housing fund loans is 600,000 yuan, determined by factors such as the applicant's contribution base and family size [1] - Current interest rates are set at 3.5% for the first home and 4% for the second home, following the People's Bank of China benchmark rates [2] Application Process - Required documents include identification (ID card, marriage certificate), income proof (salary slips, tax payment proof), purchase contract, and personal credit report [3] - Applications can be submitted in person at the Dalian Public Housing Fund Management Center or through online channels [4] - The management center will review the applicant's qualifications and complete the approval process within 15 working days [5] - Upon approval, the applicant must sign a loan contract with the bank and complete mortgage registration [7] - Funds will be disbursed to the designated account as per the contract [8] Withdrawal Policies - Public housing funds can be withdrawn under specific conditions, including: - Down payment withdrawal after signing the purchase contract [9][10] - Post-loan withdrawal, allowing borrowers to withdraw funds annually to offset repayment amounts [10] - Other situations such as renting or major illness may also qualify for fund withdrawal [11] Important Considerations - Timely repayment is crucial, as late payments can affect credit records and incur additional penalties [12] - It is important to stay updated on the latest policies from the Dalian Public Housing Fund Management Center to avoid issues due to outdated information [12] - Borrowers should plan their finances carefully, choosing loan terms and amounts that do not excessively strain their monthly budget [12]