昭通市住房公积金管理委员会印发《关于进一步优化调整住房公积金个人住房贷款政策方案（试行）》的通知
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;">（来源：昭通市政务服务）</p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><strong style="color: black;"><span style="color: green;">昭通政务全新升级，解锁办“政”事新体验</span></strong></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">各</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">有</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">关单位：</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">《</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">关于进一步优化调整住房公积金个人住房贷款政策方案（试行）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">》</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">已</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">经昭通市第四届住房公积金管理委员会第</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">二</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">次</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">主任</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">会议审议通过，现</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">予以</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">印发，请遵照执行。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">昭通市住房公积金管理委员会</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">2025</span></span><span style="color: green;"><span style="color: green;">年</span></span><span style="color: green;"><span style="color: green;">11</span></span><span style="color: green;"><span style="color: green;">月</span></span><span style="color: green;"><span style="color: green;">5</span></span><span style="color: green;"><span style="color: green;">日</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">关于进一步优化调整住房公积金个人住房贷款政策方案（试行）</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">为</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">进一步认真贯彻国家、省关于促进房地产高质量发展的决策部署，落实好</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">“</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">因城施策、精准施策</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">”</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">要求，更好</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">满足我市缴存职工多样化、差异化的住房需求，市住房公积金管理委员会研究，决定进一步优化调整</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">住房公积金个人住房贷款政策。具体如下：</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">一、上调住房公积金贷款最高限额</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">（一）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">单缴存人家庭住房公积金贷款最高限额由</span></span><span style="color: green;"><span style="color: green;">60</span></span><span style="color: green;"><span style="color: green;">万元上调为</span></span><span style="color: green;"><span style="color: green;">80</span></span><span style="color: green;"><span style="color: green;">万元，双缴存人家庭住房公积金贷款最高限额由</span></span><span style="color: green;"><span style="color: green;">90</span></span><span style="color: green;"><span style="color: green;">万元上调为</span></span><span style="color: green;"><span style="color: green;">100</span></span><span style="color: green;"><span style="color: green;">万元。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">（二）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">高层次人才、二孩及以上家庭以及现役、退役军人家庭，在此基础上按原公布比例予以上浮。同一家庭同时符合多个上浮政策条件的，不可叠加使用</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">，</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">缴存人可按最有利原则选择其中一项上浮政策。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">二、</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">优化住房公积金贷款房屋套数认定标准</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">（一）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">缴存人家庭购（建）住房所在</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">县（市、区）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">无住房的，</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">按照首套住房执行公积金贷款政策。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">（二）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">缴存人家庭购（建）住房所在</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">县（市、区）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">合计已有</span></span><span style="color: green;"><span style="color: green;">1</span></span><span style="color: green;"><span style="color: green;">套住房的，</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">按照第二套住房执行公积金贷款政策</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">（三）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">缴存人家庭住房套数以购（建）房屋所在地县（市、区）不动产中心登记的信息为准。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">（四）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">缴存人家庭属下列情形之一的，不予受理其住房公积金贷款申请：</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">1.</span></span><span style="color: green;"><span style="color: green;">在购（建）住房所在</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">县（市、区）</span></span></span><span style="color: green;"><span style="color: green;"><span style="color: green;">合计已有</span></span><span style="color: green;"><span style="color: green;">2</span></span><span style="color: green;"><span style="color: green;">套（含）以上住房的；</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">2.</span></span><span style="color: green;"><span style="color: green;">全国住房公积金监管平台记载有未结清住房公积金个人住房贷款的。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">三、降低首套房为新建商品房的首付款比例</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">购买新建商品房并符合首套房条件，首付款比例由</span></span><span style="color: green;"><span style="color: green;">20%</span></span><span style="color: green;"><span style="color: green;">降为</span></span><span style="color: green;"><span style="color: green;">15%</span></span><span style="color: green;"><span style="color: green;">。同时，住房公积金贷款额不超过</span></span><span style="color: green;"><span style="color: green;">85%</span></span><span style="color: green;"><span style="color: green;">。</span></span></span></p>
<p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">四、本方案自印发之日起试行。执行过程中，市住房公积金管理委员会根据房地产市场、住房公积金运行等情况，适时进行政策调整。</span></span></span><span style="color: green;">返回搜狐，查看更多</span></p>
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