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长沙执行“认房不认贷”

  • 2026-04-16 08:41:50
长沙执行“认房不认贷”
9月1日，长沙市住房和城乡建设局印发《关于优化个人住房贷款中住房套数认定标准的通知》，这意味着“认房不认贷”政策正式在长沙落地。
今年8月，住房和城乡建设部、中国人民银行、金融监管总局联合印发了《关于优化个人住房贷款中住房套数认定标准的通知》，即“认房不用认贷”，并明确将该政策纳入“一城一策”工具箱。为更好满足长沙刚性和改善性住房需求，促进房地产市场健康平稳发展，经征求中国人民银行湖南省分行、国家金融监督管理总局湖南监管局意见，并报市政府审定同意，长沙市住建局出台《关于优化个人住房贷款中住房套数认定标准的通知》。
根据通知，居民家庭（包括借款人、配偶及未成年子女，下同）申请贷款购买商品住房时，家庭成员在长沙市名下无成套住房的，不论是否已利用贷款购买过住房，银行业金融机构均按首套住房执行住房信贷政策。家庭住房套数由长沙市住房和城乡建设局根据居民家庭申请或授权，提供查询服务并出具查询结果或认定证明。此项政策纳入长沙市“一城一策”工具箱，自9月1日起执行。

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来源：长沙晚报

编审：张耘铷、徐神、皮婷

监制：王湘学

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  1. CONNECT:[ UseTime:0.000566s ] mysql:host=127.0.0.1;port=3306;dbname=e460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000722s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000343s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000268s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000501s ]
  6. SELECT * FROM `set` [ RunTime:0.000209s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000569s ]
  8. SELECT * FROM `article` WHERE `id` = 482261 LIMIT 1 [ RunTime:0.000385s ]
  9. UPDATE `article` SET `lasttime` = 1777180451 WHERE `id` = 482261 [ RunTime:0.017945s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000355s ]
  11. SELECT * FROM `article` WHERE `id` < 482261 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000618s ]
  12. SELECT * FROM `article` WHERE `id` > 482261 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000440s ]
  13. SELECT * FROM `article` WHERE `id` < 482261 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.004096s ]
  14. SELECT * FROM `article` WHERE `id` < 482261 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.002541s ]
  15. SELECT * FROM `article` WHERE `id` < 482261 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.000755s ]
0.101404s