Hainan further optimizes and adjusts the housing provident fund loan policy

On July 2nd, the Hainan Provincial Housing Provident Fund Administration Bureau issued the "Notice on Further Optimizing and Adjusting the Housing Provident Fund Loan Policy", which shall come into force as of the date of issuance.

Full text of the Notice on Further Optimizing and Adjusting the Housing Provident Fund Loan Policy by the Hainan Provincial Housing Provident Fund Administration Bureau:

In order to thoroughly implement the decisions and arrangements of the Party Central Committee and the State Council on promoting the stable and healthy development of the real estate market, and better meet the rigid and improved housing needs of contributors, after being reviewed and approved by the Third Plenary Session of the Fifth Session of the Hainan Housing Provident Fund Management Committee, it is decided to further optimize and adjust the housing provident fund loan policy. The relevant matters are hereby notified as follows:

1. Increase the maximum benchmark loan amount for purchasing self - occupied housing. When a contributor's family applies for a housing provident fund loan to purchase newly - built or second - hand self - occupied housing, for those with single - party housing provident fund contributions, the maximum benchmark loan amount will be uniformly increased from the current 800,000 yuan for new houses and 600,000 yuan for second - hand houses to 1 million yuan; for families where both husband and wife contribute to the housing provident fund, the maximum benchmark loan amount will be uniformly increased from the current 1.1 million yuan for new houses and 900,000 yuan for second - hand houses to 1.2 million yuan.

2. Strengthen the support for housing provident fund loans for talents. For high - level talents (Class A, B, C, D, and E talents) recognized by the provincial talent recognition department, when purchasing self - occupied housing in the province, the maximum housing provident fund loan amount for the family will be increased by 20% on the basis of the benchmark amount. The policy of increasing the loan amount for talents can be implemented in combination with the existing policies of increasing the housing provident fund loan amount, such as for multi - child families purchasing self - occupied housing (20% increase), for purchasing newly - built self - occupied housing in green building projects above two - star level (10% increase), and for purchasing affordable housing and other indemnificatory housing (10% increase).

3. Adjust the "deposit - loan linkage" mechanism for second - home purchases. Increase the multiple of the deposit balance in the formula for calculating the loan amount under the "deposit - loan linkage" mechanism for second - home purchases from 10 times to 12 times. The minimum loan amount for families with single - party housing provident fund contributions will be increased from 300,000 yuan to 500,000 yuan; the minimum loan amount for families where both husband and wife contribute to the housing provident fund will be increased from 500,000 yuan to 700,000 yuan.

4. Principle for determining the eligible loan amount. Continue to implement the linkage mechanism between the maximum loan amount and the individual loan ratio as stipulated in the "Notice on Adjusting and Optimizing Relevant Policies for Individual Housing Provident Fund Loans" (Qiong Gongjijin Dai [2025] No. 1). The final eligible loan amount for the borrower shall be comprehensively determined within the limit of the maximum loan amount, taking into account factors such as the borrower's repayment ability, debt situation, loan term, house value, and the individual loan ratio of the housing provident fund.

This notice shall come into force as of the date of issuance and shall be interpreted by the Hainan Provincial Housing Provident Fund Administration Bureau. In case of any inconsistency between the original loan policy and this notice, this notice shall prevail. For housing provident fund loan applications that have been accepted before the issuance of this "Notice", the original policy provisions shall still apply.

This article is from Viewpoint Network and is published by 36Kr with authorization.