首付下调！福州房贷新政！
<p><ahref="http://www.minhou.gov.cn/xjwz/jdhy/hygq/202404/t20240403_4804253.htm">首付下调！福州房贷新政！</a></p><br>
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来源:闽侯县
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发布时间: 2024-04-03 17:18
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<div class="TRS_Editor"> <strong style="color: rgb(255, 255, 255); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: center; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1.5px; box-sizing: border-box !important; overflow-wrap: break-word !important;"> <span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;">重磅！</span></span></strong><section style="margin: 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;">福州市阶段性调整住房信贷政策</span></section><section style="margin: 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(255, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">福州五城区首套住房贷款</strong></span></section><section style="margin: 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(255, 0, 0); letter-spacing: 1px; font-size: var(--articleFontsize); box-sizing: border-box !important; overflow-wrap: break-word !important;">首付调整为20% </strong></section><section style="margin: 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(255, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">二套首付调整为30%！</strong></span></section><section style="margin: 0px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(255, 0, 0); letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-tools="135编辑器" data-id="140200" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 10px auto; padding: 0px 0px 0px 4px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-direction: column;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: rgb(211, 225, 250);"><section style="margin: 0px; padding: 25px 10px 20px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-width: 1px; border-style: solid; border-color: rgb(70, 135, 255); background-color: rgb(255, 255, 254); transform: translate(-4px, -4px);"><section data-autoskip="1" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(51, 51, 51); background-color: transparent;">
<p style="margin: 20px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1875em; line-height: 2em;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;">记者从中国人民银行福建省分行获悉，为进一步贯彻落实国务院关于促进房地产市场平稳健康发展的决策部署，着力构建房地产发展新模式，根据《中国人民银行 中国银行保险监督管理委员会关于建立新发放首套住房个人住房贷款利率政策动态调整长效机制的通知》等政策精神，<strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">福州市住房信贷政策阶段性调整如下</strong>：</span></p>
<p style="margin-right: 10px; margin-bottom: 20px; margin-left: 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-indent: 2.1875em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">一、</span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(217, 33, 66); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">阶段性取消福州市首套住房商业性个人住房贷款利率下限</strong></span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">。在本政策范围内，商业银行可按市场化、法治化原则确定新发放首套住房商业性个人住房贷款的具体利率水平。如后续评估期内（上季度末月至本季度第二个月为评估期）新建商品住宅销售价格环比和同比连续3个月均上涨，则自下一个季度起，恢复执行全国统一的首套住房商业性个人住房贷款利率下限。</span></span></p>
<p style="margin-right: 10px; margin-bottom: 20px; margin-left: 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-indent: 2.1875em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">二、</span><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(217, 33, 66); box-sizing: border-box !important; overflow-wrap: break-word !important;">福州市五城区</span></strong><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(217, 33, 66); box-sizing: border-box !important; overflow-wrap: break-word !important;">首套住房商业性个人住房贷款最低首付款比例</span></strong><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">由原不低于25%，</span><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(217, 33, 66); box-sizing: border-box !important; overflow-wrap: break-word !important;">调整为不低于20%；二套住房商业性个人住房贷款最低首付款比例</span></strong><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">由原不低于35%，</span><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(217, 33, 66); box-sizing: border-box !important; overflow-wrap: break-word !important;">调整为不低于30%</span></strong><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;">。住房套数认定标准按照原政策执行。</span></span></p>
<p style="margin-right: 10px; margin-bottom: 20px; margin-left: 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-indent: 2.1875em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;">上述政策自2024年4月3日起实施。2024年4月2日前（含2日），已发放的首套住房商业性个人住房贷款和已签订合同但未发放的首套住房商业性个人住房贷款，仍按原合同约定执行。</span></p>
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