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抚州住房公积金政策有调整!

  • 2026-02-14 18:58:45
抚州住房公积金政策有调整!


为贯彻落实党中央、国务院促进房地产市场平稳健康发展的决策部署，进一步支持住房公积金缴存职工刚性和改善性住房需求，结合我市实际，经市住房公积金管理委员会批准，阶段性调整我市住房公积金贷款、管理的几项管理规定：
一、提高个人住房公积金贷款额度。住房公积金缴存人在我市范围内购买家庭首套自住住房申请使用个人住房公积金贷款，最高贷款额度由60万元/户提高至70万元/户。
二、降低个人住房公积金贷款首付比例。缴存人在我市范围内购买首套自住房的，公积金贷款首付比例统一调整为20％；购买第二套自住房的，公积金贷款首付比例统一调整为30％。不再区分期房或再交易房。
三、扩大异地个人住房公积金贷款支持范围。一是将在我市异地个人住房公积金贷款范围从大南昌都市圈及长江中游城市群的范围扩大至全国。除大南昌都市圈外的异地缴存职工均需开具其公积金缴存使用证明及明细。二是主借款人需为我市范围内的户籍，或其直系亲属为我市户籍，在我市范围内购买首套自住房且无未结清的异地个人住房公积金贷款的，可按我市个人住房公积金贷款业务的有关规定申请异地个人住房公积金贷款。三是办理个人住房公积金贷款业务时，需提供一名户籍地和常住地均为我市，符合年龄要求范围内的紧急联络人。
四、放宽发放个人住房公积金组合贷款适用的房屋类型。将目前我市住房公积金个人住房组合贷款仅限于购买期房放宽至包括再交易房、尾房的类型。
五、取消个人住房公积金贷款结清后第二套房准贷时限的限制。借款申请人在结清公积金贷款时使用了其个人及配偶住房公积金账户资金的，再次申请个人住房公积金贷款无需间隔满半年以上，在结清的次月即可再次申请个人住房公积金贷款。,
六、开通异地缴存人在我市办理商转公（不含直转）业务。异地住房公积金缴存人在我市范围内购买首套自住房并自筹结清商业住房贷款的，可按我市相关规定申请办理商转公（不含直转）异地贷款业务。  
七、下调房地产开发企业贷款保证金交存标准。为进一步帮助房地产企业纾困减负，房地产开发企业贷款保证金按贷款发放额的3%交存。 
以上阶段性调整规定所涉及的住房公积金缴存人、房地产开发企业均应符合我市住房公积金管理的相关规定。本通知从2022年11月3日起执行，停止执行时间另行通知。

内容来源：抚州市住房公积金管理中心

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  1. CONNECT:[ UseTime:0.001036s ] mysql:host=127.0.0.1;port=3306;dbname=aa460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001648s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000721s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000669s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001221s ]
  6. SELECT * FROM `set` [ RunTime:0.000596s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001424s ]
  8. SELECT * FROM `article` WHERE `id` = 465503 LIMIT 1 [ RunTime:0.001470s ]
  9. UPDATE `article` SET `lasttime` = 1771094951 WHERE `id` = 465503 [ RunTime:0.053534s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 66 LIMIT 1 [ RunTime:0.003826s ]
  11. SELECT * FROM `article` WHERE `id` < 465503 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001172s ]
  12. SELECT * FROM `article` WHERE `id` > 465503 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.005001s ]
  13. SELECT * FROM `article` WHERE `id` < 465503 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002289s ]
  14. SELECT * FROM `article` WHERE `id` < 465503 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.002250s ]
  15. SELECT * FROM `article` WHERE `id` < 465503 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.003601s ]
0.253595s