为应对房地产市场低迷并消化新建商品住房库存，成都住房公积金管理中心于2025年8月25日公布住房公积金贷款新政，以降低购房门槛并补贴贷款利息 1。该政策将购买新建商品住房的最低首付款比例降至15%，并首次推出贷款利息补贴20%的措施，购房者免申请即可享受 1。此项新政实施至2026年12月31日 1。
在贷款额度方面，新政明确单一缴存人最高可贷96万元，双缴存人最高可贷144万元 1。同时，若购买绿色建筑一星级及以上新建商品住房，贷款额度在现行最高额度基础上加码20% 1。此外，单笔贷款累计补贴利息上限为人民币2.5万元 1。
To combat a sluggish real estate market and absorb the inventory of newly built residential properties, the Chengdu Housing Provident Fund Management Center has announced new housing provident fund loan policies 1. Announced on August 25, 2025, the new policies lower the minimum down payment ratio for purchasing newly built commercial housing to 15% 1. Additionally, the city is introducing a 20% loan interest subsidy for the first time, which can be enjoyed without submitting an application 1. The cumulative interest subsidy for any single loan is capped at 25,000 RMB 1.
These measures will remain in effect until December 31, 2026, and include specific incentives for green buildings 1. Buyers who purchase newly built commercial housing with at least a one-star green building certification will receive a 20% increase in their maximum loan amount based on the current maximum limits 1. Under the updated framework, a single provident fund contributor can borrow up to 960,000 RMB, while dual contributors are eligible for a maximum loan of 1.44 million RMB 1.
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