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解惑“区二区三”-环球时报

重庆公积金新政区二区三:可提取支付购房首付 延长贷款期限

来源: 中国邮政报
2024-11-28 19:56:27

最佳回答

“区二区三”重庆公积金新政区二区三:可提取支付购房首付 延长贷款期限

  中新区二区三网11月28日电 据重区二区三庆市住房公积金管理中心网站消息,重庆区二区三市住房公积金管理中心28日发布《关于优化调整住房公积金使用政策的通知》,从首套房的认定、购房首付款提取、商转公的置换等方面进行了优化。《通知》提出:

  一、优化新购住房套数认定标准

  缴存人家庭已结清首次住房公积金个人住房贷款且在拟购住房区县(自治县)无住房的,申请住房公积金个人住房贷款时,按首套住房标准执行。

  二、放宽购房首付款提取条件

  缴存人家庭自本通知印发之日起,使用住房公积金个人住房贷款新购住房的,在购房行为发生之日起一年内,可申请提取住房公积金用于支付购房首付款。

  三、优化置换贷款条件

  缴存人家庭已结清首次住房公积金个人住房贷款,可申请将现有全市唯一住房的商业性住房贷款置换成住房公积金个人住房贷款,贷款利率按首套住房标准执行。

  四、延长贷款到期时间

  住房公积金个人住房贷款到期时间男性延长到68岁、女性延长到63岁,或延长到缴存人法定退休年龄后5年,最长贷款期限不超过30年。

  《通知》提出,其中第一、二、三条政策发文之日起执行,第四条政策2025年1月1日起执行。本通知印发前,已签订《重庆市住房公积金个人住房贷款借款抵押合同》的贷款按原规定执行。原有相关规定与本通知不一致的,以本通知为准。(中新财经)

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