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十万火急： 再出房贷新政 楼市必须加速回暖！

房天下整理  2015-09-01 10:24

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 20px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">十万火急 楼市必须加速回暖！

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">近日 再出房贷新政！三部委联合发文，再次降低公积金贷款门槛，二套房贷也可低至二成！RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">主要内容：RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">对拥有RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">1RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">套住房并已结清相应购房贷款的居民家庭，为改善居住条件再次申请住房公积金委托贷款购买住房的，低首付款比例由RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">30%RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">降低至RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">20%RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">。北京、上海、广州、深圳可在国家统一政策基础上，结合本地实际，自主决定申请住房公积金委托贷款购买第二套住房的低首付款比例。RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 24px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">老杨简要分析如下：RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">1RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">、 希望楼市回暖的心情迫切！今年RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">3.30RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">政策中这么规定：RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">对拥有RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">1RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">套住房并已结清相应购房贷款的缴存职工家庭，为改善居住条件再次申请住房公积金委托贷款RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">购买普通自住房，低首付款比例为RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">30%RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">。RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">这也就是说，新的政策，在两个方面加大宽松力度：其一，低首付由三成降为二成。其二，不再要求所购房子为普通自住房，即便是买别墅也支持。RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">更为关键是，RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">3.30RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">政策出台刚刚才RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">5RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">个月，便急吼吼的推翻原政策，扩大优惠力度。心急得狠！RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">2RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">、力度看似很大，但惠及面并不大。主要是人们的公积贷款额度 有限，比如，一二线城市一套改善性住宅，总价几百万，甚至上千万，如果贷满八成，则也得几百万，至少百万吧，而个人公积贷款额度只有几十万，家庭多不足百万，八成贷款根本不用满。RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">因此，对绝大多数购房者来说，此政策，看着香甜，却吃不到嘴里。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">3RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">、RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">RD-WRAP: break-word !important;MAX-WIDTH: 100%">北京、上海、广州、深圳可在国家统一政策基础上，结合本地实际，自主决定申请住房公积金委托贷款购买第二套住房的低首付款比例。RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">这话的含义是：你们四位大哥房价偏高，近半年上涨偏快，此放松政策不太适合你们噢，免得让你们的房价火上浇油，免得老百姓骂俺们部委！

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">4RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">、值得关注的是，近段时间，RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">RD-WRAP: break-word !important;MAX-WIDTH: 100%;COLOR: rgb(255,0,0)">先是RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">8RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">月RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">19RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">日六部委出文件放松限外令，紧接RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">27RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">日三部委放松房贷。虽然力度都不大，但RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">说明当前中国经济持续低迷之下，官方还嫌楼市回暖节奏不够快，这正是支柱产业的重要之处，在经济低迷之际，必须站出来，扛住滚石！

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">5RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">、政策影响：实际影响不大，但传递出的信号个头比较大噢！RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-WEIGHT: bold;COLOR: rgb(255,0,0)">楼市必须继续回暖，否则俺继续出台新政策，刺激你二大爷！比如，商业房贷也可能降首付！

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">6RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">、政策条文罕见的出现漏洞：今年RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">3.30RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">政策中规定：RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">缴存职工家庭使用住房公积金委托贷款RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">购买首套普通自住房，低首付款比例为RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">20%RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">。其含也就是：如果首套房不是普通自住房，则低不能降至二成。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">但今天的三部委新政中，没有提及首套房贷的变化，却对结清 套房贷＼再购第二套房者，全面加以优惠。RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-WEIGHT: bold">那么，问题来了：首套房中的非普通房的房贷首付，难道比二套房中的非普通房贷首付，还要高？这当然不合理！RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">因此，三部委新政中，应该也提一下首套房公积金贷款，低首付二成。RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">
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RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold">相关政策制定部门，工作不到位呀，反思一下吧。各位看官，老杨的政策素养，还可以吧。RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%;FONT-WEIGHT: bold"> 智囊，不是白当的。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">附录：

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;TEXT-ALIGN: left;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 20px;MAX-WIDTH: 100%;FONT-FAMILY: 楷体;FONT-WEIGHT: bold">住房城乡建设部 财政部 中国人民银行关于调整住房公积金个人住房贷款购房低首付款比例的通知

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">建金RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">[2015]128RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">号

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%"> 各省、自治区、直辖市住房城乡建设厅RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">(RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">建委RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">)RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">、财政厅RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">(RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">局RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">)RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">，新疆生产建设兵团建设局、财务局，中国人民银行RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">各分行、营业管理部、各省会RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">(RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">首府RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">)RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">城 支行、副省级城 支行，直辖市、新疆生产建设兵团住房公积金管理委员会、住房公积金管理 ：

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%"> 为进一步完善住房公积金个人住房贷款政策，支持缴存职工合理住房需求，对拥有RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">1RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">套住房并已结清相应购房贷款的居民家庭，为改善居住条件再次申请住房公积金委托贷款购买住房的，低首付款比例由RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">30%RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">降低至RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">20%RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">。北京、上海、广州、深圳可在国家统一政策基础上，结合本地实际，自主决定申请住房公积金委托贷款购买第二套住房的低首付款比例。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%"> 本通知自RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">2015RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">年RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">9RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">月RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">1RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">日起执行。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%"> 中华人民共和国住房和城乡建设部

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%"> 中华人民共和国财政部

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%"> 中国人民银行

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">2015RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">年RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">8RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">月RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">27RD-WRAP: break-word !important;FONT-SIZE: 18px;MAX-WIDTH: 100%">日

RD-WRAP: break-word !important;MAX-WIDTH: 100%;HEIGHT: auto !important;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;PADDING-: 0px;FONT: 14px/26px Arial, 'Microsoft YaHei';PADDING-LEFT: 0px;MARGIN: 0px 0px 10px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(242,242,245);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"> 注：本文摘自杨先生

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