渭南小太阳
发表于 2026-3-20 16:14
渭南调整"商转公"贷款期限 最长可达30年
<br><div><div class="wx_rich_media_content" id="jsWxContainer"><section style='background-color: rgb(196, 226, 254); box-sizing: border-box; text-align: justify; color: rgb(62, 62, 62);' data-pm-slice="0 0 []"><section style='text-align: center; margin-bottom: 10px; line-height: 0; box-sizing: border-box;'><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 100%;box-sizing: border-box;font-size: 20px;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;height: auto !important;'></span></section></section><section style='text-align: center;justify-content: center;display: flex;flex-flow: row;box-sizing: border-box;'><section style='display: inline-block;width: 92%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 2px;border-color: rgb(158, 206, 243);background-color: rgb(252, 252, 252);padding: 15px;box-shadow: rgb(255, 255, 255) 1px 2px 0px 0px;box-sizing: border-box;'><section style='margin-top: 15px; margin-bottom: 14px; box-sizing: border-box;'><section style='text-align: justify; letter-spacing: 2px; line-height: 2; color: rgb(0, 0, 0); box-sizing: border-box;'><p style='text-indent: 2.2857em; box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" style='' size="3">近期，我市对商业性个人住房贷款转住房公积金贷款（以下简称"商转公"贷款）政策进行调整，明确"商转公"贷款期限最短1年，最长可达30年。这一政策的实施将有效减轻缴存职工的还款压力，提升住房公积金使用效率。</font></span></p></section></section><section style='line-height: 0; box-sizing: border-box;'><section style='max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; width: 100%; box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;height: auto !important;'><font face="微软雅黑" size="3"></font></span></section></section></section></section><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><section style='text-align: center; margin-top: 10px; line-height: 0; box-sizing: border-box;'><section style='max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; width: 20%; height: auto; box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;height: auto !important;'><font face="微软雅黑" size="3"></font></span></section></section><section style='text-align: center; justify-content: center; display: flex; flex-flow: row; margin-bottom: 10px; box-sizing: border-box;'><section style='display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; min-width: 5%; max-width: 100%; height: auto; padding-top: 1px; padding-right: 10px; padding-left: 10px; border-style: solid; border-width: 1px 0px 0px; border-top-color: rgb(161, 218, 245); box-sizing: border-box;'><section style='margin-bottom: 15px; box-sizing: border-box;'><section style='box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3">调整“商转公”贷款，靶向解决群众需求</font></span></strong></p></section></section></section></section><section style='text-align: center; justify-content: center; display: flex; flex-flow: row; margin-top: 10px; box-sizing: border-box;'><section style='display: inline-block;width: 92%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);height: auto;box-shadow: rgb(158, 206, 243) 1px 1px 6px 0px;box-sizing: border-box;'><section style='margin-top: 15px; margin-bottom: 14px; box-sizing: border-box;'><section style='text-align: justify; letter-spacing: 2px; line-height: 2; padding-right: 15px; padding-left: 15px; color: rgb(0, 0, 0); box-sizing: border-box;'><p style='text-indent: 2.2857em; box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3">新规取消“商转公”贷款期限不超过原商贷剩余年限的（与原商贷剩余年限挂钩）限制，"商转公"贷款在期限设置上更加灵活，更具弹性。政策明确规定，贷款期限最短为1年，最长达30年，同时还须满足两个条件：一是不超过抵押房产剩余的土地使用权年限；二是贷款到期日不超过借款申请人法定退休年龄后5年。这一调整充分考虑不同年龄段职工的实际还款能力，灵活规划还款周期，降低月供负担，保障生活品质。</font></span></p></section></section></section></section><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><section style='text-align: center; margin-top: 10px; line-height: 0; box-sizing: border-box;'><section style='max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; width: 20%; height: auto; box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;height: auto !important;'><font face="微软雅黑" size="3"></font></span></section></section><section style='text-align: center; justify-content: center; display: flex; flex-flow: row; margin-bottom: 10px; box-sizing: border-box;'><section style='display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; min-width: 5%; max-width: 100%; height: auto; padding-top: 1px; padding-right: 10px; padding-left: 10px; border-style: solid; border-width: 1px 0px 0px; border-top-color: rgb(161, 218, 245); box-sizing: border-box;'><section style='margin-bottom: 15px; box-sizing: border-box;'><section style='box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3">取消最低月还款限制，提升普惠效能</font></span></strong></p></section></section></section></section><section style='text-align: center; justify-content: center; display: flex; flex-flow: row; margin-top: 10px; box-sizing: border-box;'><section style='display: inline-block;width: 92%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);height: auto;box-shadow: rgb(158, 206, 243) 1px 1px 6px 0px;box-sizing: border-box;'><section style='margin-top: 15px; margin-bottom: 14px; box-sizing: border-box;'><section style='text-align: justify; letter-spacing: 2px; line-height: 2; padding-right: 15px; padding-left: 15px; color: rgb(0, 0, 0); box-sizing: border-box;'><p style='text-indent: 2.2857em; box-sizing: border-box;'><font face="微软雅黑" size="3"><span leaf="">月还款额调整为最高不超过借款人家庭月收入的</span><span style='color: rgb(1, 76, 158);box-sizing: border-box;'><strong style='box-sizing: border-box;'><span leaf="">50%</span></strong></span><span leaf="">，体现政策的稳健性和人性化。</span></font></p></section></section></section></section><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><section style='text-align: center; margin-top: 10px; line-height: 0; box-sizing: border-box;'><section style='max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; width: 20%; height: auto; box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;max-width: 100%;width: 100%;box-sizing: border-box;height: auto !important;'><font face="微软雅黑" size="3"></font></span></section></section><section style='text-align: center; justify-content: center; display: flex; flex-flow: row; margin-bottom: 10px; box-sizing: border-box;'><section style='display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; min-width: 5%; max-width: 100%; height: auto; padding-top: 1px; padding-right: 10px; padding-left: 10px; border-style: solid; border-width: 1px 0px 0px; border-top-color: rgb(161, 218, 245); box-sizing: border-box;'><section style='margin-bottom: 15px; box-sizing: border-box;'><section style='box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3">取消提前还款次数，增频次降成本</font></span></strong></p></section></section></section></section><section style='text-align: center; justify-content: center; display: flex; flex-flow: row; margin-top: 10px; box-sizing: border-box;'><section style='display: inline-block;width: 92%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);height: auto;box-shadow: rgb(158, 206, 243) 1px 1px 6px 0px;box-sizing: border-box;'><section style='margin-top: 15px; margin-bottom: 14px; box-sizing: border-box;'><section style='text-align: justify; letter-spacing: 2px; line-height: 2; padding-right: 15px; padding-left: 15px; color: rgb(0, 0, 0); box-sizing: border-box;'><p style='text-indent: 2.2857em; box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3">新政明确借款人在贷款期限内，每年可申请一次提前部分还款，每次还款金额不低于1万元。这为资金充裕的职工提供了更多还款自主权，提高还款的便利性和弹性，节省利息支出。</font></span></p></section></section></section></section><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><p style='box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" size="3"><br></font></span></p><section style='margin: 4px 0% 10px;text-align: center;justify-content: center;display: flex;flex-flow: row;box-sizing: border-box;'><section style='display: inline-block; vertical-align: top; width: 10px; flex: 0 0 auto; height: auto; margin-right: 5px; align-self: flex-start; box-sizing: border-box;'><section style='margin-right: 0%; margin-bottom: 10px; margin-left: 0%; box-sizing: border-box;'><section style='width: 100%;height: 5px;background-color: rgb(255, 251, 244);box-sizing: border-box;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section><section style='display: inline-block; vertical-align: top; width: 10px; flex: 0 0 auto; height: auto; margin-right: 5px; align-self: flex-start; box-sizing: border-box;'><section style='margin-right: 0%; margin-bottom: 10px; margin-left: 0%; box-sizing: border-box;'><section style='width: 100%;height: 5px;background-color: rgb(57, 146, 206);box-sizing: border-box;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section><section style='margin-top: 15px; margin-bottom: 14px; box-sizing: border-box;'><section style='letter-spacing: 2px; line-height: 2; padding-right: 15px; padding-left: 15px; color: rgb(0, 0, 0); box-sizing: border-box;'><p style='text-indent: 2.2857em; box-sizing: border-box;'><span leaf="" style=''><font face="微软雅黑" style='' size="3">此次"商转公"贷款政策的优化调整，同时还同步优化两项配套措施，旨在更好地支持缴存职工合理住房消费，切实降低购房成本，进一步增强住房公积金制度的普惠性和可持续性。</font></span></p><p style='text-align: center; text-indent: 2.2857em; box-sizing: border-box;'><span leaf="" style=''><font size="1" face="微软雅黑">来源：渭南市住房公积金管理中心</font></span></p><p style='text-align: center; text-indent: 2.2857em; box-sizing: border-box;'><span leaf="" style=''><img src="https://www.yewn.cn/data/attachment/forum/202603/19/083424nm10umhm0zlql00h.png"></span></p></section></section><p style='font-size: 16px; box-sizing: border-box;'><span leaf=""><br></span></p></section><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p></div></div>
赵建国
发表于 2026-3-20 16:59
刺激房地产市场发展，活跃地方经济
道缘
发表于 2026-3-20 17:32
贷的越多，背的债越重！！！！！
道缘
发表于 2026-3-20 19:32
鼓励消费，大家都去贷款吧
监狱长
发表于 2026-3-20 19:35
降低购房成本
监狱长
发表于 2026-3-20 19:36
刺激购房消费
方圆百里
发表于 2026-3-20 19:41
利率还是能低点
孙会玲
发表于 2026-3-20 19:49
贷的越多压力越大！！
Ann123456
发表于 2026-3-20 20:08
需要贷款的朋友可以看看
bxf
发表于 2026-3-20 20:19
有需求的可以去看看吧