深圳楼市新政落地 定向优化购房条件

Shenzhen Property Market New Deal Landing Directional Optimization of Housing Purchase Conditions

【环球网财经综合报道】4月29日，深圳市住房和建设局发布《关于进一步优化调整深圳市房地产相关政策的通知》（简称《通知》），旨在更好满足居民刚性和改善性住房需求，促进房地产市场平稳健康发展。《通知》自4月30日起施行。

[Comprehensive Report from Global Network Finance] On April 29, Shenzhen Housing and Construction Bureau issued the Notice on Further Optimizing and Adjusting Real Estate-related Policies in Shenzhen (hereinafter referred to as the "Notice"), with the aim of better meeting residents' rigid housing needs and their demand for improved housing and promote the stable and healthy development of the real estate market. The Notice will take effect on April 30.

在住房限购政策方面，《通知》对福田区、南山区和宝安区新安街道范围内的购房条件进行了定向优化。符合深圳商品住房购买条件的深圳户籍居民家庭，在上述特定区域内可增购1套商品住房，即可购买3套；在深连续缴纳社保或个税满1年及以上的非深户居民家庭，同样可增购1套，即可购买2套。

In terms of housing purchase restriction policies, the Notice has optimized the home-purchase conditions in Futian District, Nanshan District, and Xin'an Subdistrict within Bao'an District. Households with Shenzhen registered residency who meet the qualifications for purchasing commercial housing in Shenzhen may purchase up to three commercial housing units in the above-mentioned specific areas. Non-Shenzhen households that have paid social security or individual income tax continuously in Shenzhen for one year or more may also purchase one unit, i.e., a second unit.

持有有效深圳经济特区居住证的非深户居民家庭，可在上述特定区域购买1套商品住房，且无需提供社保或个税证明。本市其他区域的非深户购房政策保持不变，成年单身人士继续按居民家庭执行限购政策。

Non-Shenzhen households holding a valid residence permit for the Shenzhen Special Economic Zone may purchase one commercial housing unit in the above specific areas without providing social security or individual income tax certificates. The purchase policy for non-Shenzhen households in other areas of the city remains unchanged, and adult singles continue to be subject to the purchase restriction policy on a per‑household basis.

住房公积金贷款政策方面，《通知》明确了额度提升与上浮比例优化的规则。基础额度方面，缴存职工单独申请公积金贷款的最高额度提高至70万元，共同申请的最高额度提高至130万元。

With regard to the housing provident fund loan policy, the Notice clarifies the rules for increasing the loan quota and optimizing the floating ratio. In terms of the basic quota, the maximum provident fund loan amount for a single depositor has been increased to 700,000 yuan, and the maximum amount for joint applicants has been increased to 1.3 million yuan.

在额度上浮方面，《通知》明确购买深圳首套住房的，公积金贷款额度可上浮60%；初婚初育家庭可上浮50%；有两个及以上子女的家庭可上浮70%（同时符合初婚初育与多孩条件的家庭可选择上浮50%或70%）；购买深圳保障性住房的，可上浮40%。

In terms of quota increases, the Notice specifies that for the purchase of a first home in Shenzhen, the provident fund loan amount may be increased by 60%. Families with a first marriage and first childbirth may receive a floating increase of 50%; families with two or more children may receive an increase of 70% (families meeting the conditions for first marriage, first childbirth, and multiple children may choose either a 50% or 70% increase). Those who purchase affordable housing in Shenzhen may receive a floating increase of 40%.

上述上浮情形支持累加计算，最高上浮比例可达170%。按此标准测算，缴存职工个人最高可贷189万元，缴存职工家庭最高可贷351万元。（文馨）

The above floating increases may be cumulatively calculated, with the highest floating ratio reaching 170%. Based on this standard, the maximum loan for an individual employee can be 1.89 million yuan, and the maximum loan for a household of employees can be 3.51 million yuan. (Wenxin)