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最高贷款额度可达170万元,极简版济南住房公积金贷款政策来了
Qi Lu Wan Bao· 2025-08-25 11:01
Core Viewpoint - The article discusses the current housing provident fund loan policies in Jinan, Shandong Province, highlighting the loan limits, interest rates, and favorable conditions for specific groups such as families with multiple children and high-level talents [1][3]. Loan Limits - The maximum loan limits for single and dual contributors are 600,000 yuan and 1,000,000 yuan respectively. Families with multiple children, high-level talents, and those purchasing high-quality residences can see their loan limits increased by 30%. Additionally, purchasing existing homes allows for a 10% increase in loan limits, with a potential maximum of 1,700,000 yuan when policies are combined [3]. Interest Rates - For first-time homebuyers applying for provident fund loans, the interest rate is 2.1% for loans with a term of 5 years or less, and 2.6% for loans exceeding 5 years. For second homes, the rates are 2.525% for loans of 5 years or less and 3.075% for longer terms [3]. Loan Terms - The maximum loan term is 30 years, not exceeding 5 years beyond the main borrower's legal retirement age. The combined age of the existing residential property and the loan term must not exceed 50 years [3]. Policy Advantages - Jinan's provident fund loan policies are among the best in the province, particularly benefiting families with multiple children and high-level talents. This reflects a dual focus on ensuring housing welfare and attracting talent to the city [3].