Mysteel：深圳住房公积金新政落地 24日起实施-我的钢铁网

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collapse; width: 387.02pt;" border="0" width="516" cellspacing="0" cellpadding="0"><colgroup><col style="width: 99.75pt;" width="133" /> <col style="width: 128.25pt;" width="171" /> <col style="width: 79.50pt;" span="2" width="106" /></colgroup> <tbody> <tr style="height: 27.00pt;"> <td style="height: 27pt; width: 228pt; color: #ffffff; font-weight: bold; background: #023985; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; font-style: normal; border: none; vertical-align: middle; white-space: nowrap;" colspan="2" width="304" height="36">　贷款最高额度三项调整</td> <td style="width: 79.5pt; color: #ffffff; font-weight: bold; background: #023985; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; font-style: normal; border: none; vertical-align: middle; white-space: nowrap;" width="106">调整前</td> <td style="width: 79.5pt; color: #ffffff; font-weight: bold; background: #023985; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; font-style: normal; border: none; vertical-align: middle; white-space: nowrap;" width="106">调整后</td> </tr> <tr style="height: 27.00pt;"> <td style="height: 54pt; width: 99.75pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" rowspan="2" width="133" height="72">贷款最高（基础）额度</td> <td style="width: 128.25pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="171">个人</td> <td style="width: 79.5pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="106">50万</td> <td style="width: 79.5pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="106">60万</td> </tr> <tr style="height: 27.00pt;"> <td style="width: 128.25pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="171">家庭</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">90万</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">110万</td> </tr> <tr style="height: 27.00pt;"> <td style="height: 108pt; width: 99.75pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" rowspan="4" width="133" height="144">最高额度上浮情形和比例</td> <td style="width: 128.25pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="171">首套住房</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">20%</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">40%</td> </tr> <tr style="height: 27.00pt;"> <td style="width: 128.25pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="171">多子女家庭购房</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">10%</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">50%</td> </tr> <tr style="height: 27.00pt;"> <td style="width: 128.25pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="171">新增购买保障性住房</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">-</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">20%</td> </tr> <tr style="height: 27.00pt;"> <td style="width: 287.25pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" colspan="3" width="383">符合多种上浮情形可累加上浮比例，最高上浮110%</td> </tr> <tr style="height: 27.00pt;"> <td style="height: 54pt; width: 99.75pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" rowspan="2" width="133" height="72">优化动态调整机制</td> <td style="width: 287.25pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" colspan="3" rowspan="2" width="383">依据本市上年度末住房公积金个贷率，分区间调整最高额度上浮比例或暂停上浮。</td> </tr> </tbody> </table> <p>具体来看，新政里贷款最高额度作出三项调整，一是上调最高（基础）额度，个人申请最高额度从50万元提高至60万元，家庭申请最高额度从90万元提高至110万元；二是调整最高额度上浮情形和比例，购买深圳市首套房上浮比例从20%提高至40%，多子女家庭购房上浮比例从10%提高至50%，新增购买保障性住房上浮情形，上浮比例为20%；三是优化动态调整机制，依据深圳市上年度末住房公积金个贷率，分区间调整最高额度上浮比例或暂停上浮。</p> <p>在提高贷款额度的同时，《贷款补充规定》将可贷额度从原本账户余额的14倍提高至16倍，同时不超过上述最高额度。另外还增设了夫妻“冲还贷”业务。可申请将其本人和配偶的住房公积金账户余额，直接冲抵住房公积金贷款本息，此项政策简化了以往“先还贷再提取”的流程。</p> <p><strong>二、更多住房公积金贷款惠民政策，刺激消费</strong></p> <p>为充分助力满足职工刚性和多样化改善性住房需求，重点支持职工购买保障性住房，《贷款补充规定》明确，调整深圳市住房公积金贷款最低首付款比例，购买商品住房，不再区分首套和第二套，最低首付款比例统一调整为20%；购买保障性住房，最低首付款比例调整为15%。若职工申请住房公积金和商业住房组合贷款，最低首付款比例则执行二者中较高者。</p> <table style="border-collapse: collapse; width: 330.02pt;" border="0" width="440" cellspacing="0" cellpadding="0"><colgroup><col style="width: 82.50pt;" span="4" width="110" /></colgroup> <tbody> <tr style="height: 33.00pt;"> <td style="height: 33pt; width: 165pt; color: #ffffff; font-weight: bold; background: #023985; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; font-style: normal; border: none; vertical-align: middle; white-space: nowrap;" colspan="2" width="220" height="44">最低首付款比例调整</td> <td style="width: 82.5pt; color: #ffffff; font-weight: bold; background: #023985; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; font-style: normal; border: none; vertical-align: middle; white-space: nowrap;" width="110">调整前</td> <td style="width: 82.5pt; color: #ffffff; font-weight: bold; background: #023985; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; font-style: normal; border: none; vertical-align: middle; white-space: nowrap;" width="110">调整后</td> </tr> <tr style="height: 27.00pt;"> <td style="height: 54pt; width: 82.5pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" rowspan="2" width="110" height="72">最低首付款比例</td> <td style="width: 82.5pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="110">商品住房</td> <td style="width: 82.5pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="110">首套20%<br />第二套30%</td> <td style="width: 82.5pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="110">首套20%<br />第二套20%</td> </tr> <tr style="height: 27.00pt;"> <td style="width: 82.5pt; border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;" width="110">保障性住房</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">20%</td> <td style="border: 0.5pt solid #000000; text-align: center; padding-top: 1px; padding-left: 1px; padding-right: 1px; color: #000000; font-weight: 400; font-style: normal; vertical-align: middle; white-space: nowrap;">15%</td> </tr> </tbody> </table> <p>同时，此次新政还放宽变更登记住房权利人限制，异地贷款取消户籍和首套房限制，更是加大了利息补贴力度。多重惠民政策旨在进一步满足职工不同层次的住房需求，更好发挥住房公积金制度的保障作用，同时助于优化楼市结构，促进楼市健康发展。</p>  <br /> </div> </div> </article> <article class="content-block m-copyRight"> 资讯编辑：孙丹丹 021-26093460 </br> 资讯监督：马伟 021-26093649 </br> 资讯投诉：陈跃进 021-26093100 </br> </article> <article class="content-block m-copyRight h-statement"> <p class="h-statement-text">免责声明：Mysteel发布的原创及转载内容，仅供客户参考，不作为决策建议。原创内容版权归Mysteel所有，转载需取得Mysteel书面授权，且Mysteel保留对任何侵权行为和有悖原创内容原意的引用行为进行追究的权利。转载内容来源于网络，目的在于传递更多信息，方便学习与交流，并不代表Mysteel赞同其观点及对其真实性、完整性负责。申请授权及投诉，请联系Mysteel（021-26093397）处理。</p> <span class='h-statement-show'>展开</span> </article> <div class="content-block-title s-title"> <h2 style="display: inline-block;"> <a href="https://m.mysteel.com/article/p-12-------------1.html" external>相关文章</a> </h2> <a href="https://m.mysteel.com/article/p-12-------------1.html" external 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