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长沙公积金2026.5.1新政全解析

  • 2026-05-02 06:34:35
长沙公积金2026.5.1新政全解析
长沙公积金新政核心内容总结：
一、代际互助政策
共同还款人：购买首套/二套新建商品房时，可添加父母或子女作为共同还款人，支持按月对冲还款。
公积金互助提取：若公积金余额不足，可提取父母或子女的公积金用于购房。
二、房贷提取优化
按月自动划扣：房贷还款满1个月后，可办理委托按月提取，资金自动划转，无需线下频繁办理。
三、重大疾病提取扩展
病种范围扩大：从原有9种疾病增至35种，覆盖缴存人家庭及其父母、子女。
四、贷款额度调整
新房贷款：最高额度提升至120万元；
二手房/商转公：最高额度提至100万元；
多孩家庭优惠：二孩及以上家庭购买首套或二套房，额度上浮30%（新房156万元、二手房130万元）。
五、住房认定简化
套数认定：仅依据购房所在区县（市）的房屋数量，不再追溯其他区域。
评估规范：二手房/商转公需经指定机构评估，可贷额度不超过评估价的80%。
六、灵活就业人员政策
缴存自由化：
开户年龄放宽至18岁至法定退休年龄；
缴存基数可按近12个月平均收入自主申报，比例10%-24%自选；
账户可封存或启封，欠缴无需补交。
贷款保底：近12个月未提取公积金（租房除外）且测算额度低于20万元时，按20万元核定。
七、铁路职工专项政策
长沙铁路分中心缴存职工在长沙及湖南省内购房，均适用上述新政。
八、实施与管理
执行时间：2026年5月1日正式施行
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一文读懂|长沙2026公积金新政,额度、利率、提取全放宽

【招聘信息】长沙银行2026春季校园招聘&暑期实习生招聘正式启动(满额即止)

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  1. CONNECT:[ UseTime:0.000584s ] mysql:host=127.0.0.1;port=3306;dbname=e460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000755s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000352s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000311s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000513s ]
  6. SELECT * FROM `set` [ RunTime:0.000231s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000523s ]
  8. SELECT * FROM `article` WHERE `id` = 521029 LIMIT 1 [ RunTime:0.000793s ]
  9. UPDATE `article` SET `lasttime` = 1778197409 WHERE `id` = 521029 [ RunTime:0.005049s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000332s ]
  11. SELECT * FROM `article` WHERE `id` < 521029 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000487s ]
  12. SELECT * FROM `article` WHERE `id` > 521029 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000378s ]
  13. SELECT * FROM `article` WHERE `id` < 521029 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000696s ]
  14. SELECT * FROM `article` WHERE `id` < 521029 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000952s ]
  15. SELECT * FROM `article` WHERE `id` < 521029 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.003309s ]
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