权威解读！事关义乌房地产“新政”！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pics-app.cnyw.net/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <section></section><section><section><p style="text-align: center;"><span style="font-size: 16px; color: #000000;">今天（9月29日）</span></p></section><h1 style="text-align: center; font-size: 17px;"><span style="font-size: 16px; color: #000000;">义乌发布房地产“新政”</span></h1><h1 style="text-align: center; font-size: 17px;"><span style="font-size: 16px; color: #000000;">具体政策解读</span></h1><p style="text-align: center;"><span style="font-size: 16px; color: #000000;">跟小稠一起看看<br /></span></p><p style="text-align: center;"><span style="font-size: 16px; color: #000000;"></span></p><p style="text-align: center;"> </p><section><section style="margin: 10px auto; display: flex; justify-content: flex-start;"><section><section style="display: flex; justify-content: flex-start;"><section style="margin-bottom: -25px;"><section style="border-radius: 100%; padding: 6px; background: linear-gradient(to left,rgba(86,222,209,0.8),transparent); box-sizing: border-box;"><section style="width: 32px; height: 32px; border-radius: 100%; background-color: #59e3d1; text-align: center; line-height: 34px; box-sizing: border-box;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #ffffff;"><strong>0</strong><strong title="">1</strong></section></section></section></section></section><section style="margin-left: 20px;"><section style="background: linear-gradient(to right,#084cc7,#137edd); border-radius: 15px 0 15px 0; padding: 8px 20px 8px 35px; box-sizing: border-box;"><section style="font-size: 16px; color: #ffffff; text-align: justify;"><strong>哪些人可以享受“住有所居”首次置业补贴？</strong></section></section><section style="width: 85%; height: 6px; background: linear-gradient(to right,#acf1e8,#f6fdfc); margin-left: auto; margin-top: 4px; box-sizing: border-box;"></section></section></section></section></section><p style="text-align: center;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">只要在申请补贴时，个人及配偶名下在义乌市行政区域内无商品住房的均可享受。商品住房是指房地产开发企业取得商品房预（现）售许可后，通过市场化销售的住房。“住有所居”政策对社保、户籍没有限制。</span></p><p> </p><section><section style="margin: 10px auto; display: flex; justify-content: flex-start;"><section><section style="display: flex; justify-content: flex-start;"><section style="margin-bottom: -25px;"><section style="border-radius: 100%; padding: 6px; background: linear-gradient(to left,rgba(86,222,209,0.8),transparent); box-sizing: border-box;"><section style="width: 32px; height: 32px; border-radius: 100%; background-color: #59e3d1; text-align: center; line-height: 34px; box-sizing: border-box;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #ffffff;"><strong>0</strong><strong title="">2</strong></section></section></section></section></section><section style="margin-left: 20px;"><section style="background: linear-gradient(to right,#084cc7,#137edd); border-radius: 15px 0 15px 0; padding: 8px 20px 8px 35px; box-sizing: border-box;"><section style="font-size: 16px; color: #ffffff; text-align: justify;"><strong>多孩家庭该如何认定？</strong></section></section><section style="width: 85%; height: 6px; background: linear-gradient(to right,#acf1e8,#f6fdfc); margin-left: auto; margin-top: 4px; box-sizing: border-box;"></section></section></section></section></section><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">符合多孩家庭购房补贴政策的多孩家庭，是指符合国家政策和《浙江省人口与计划生育条例》相关规定，在2016年1月1日之后生育第二孩，或在2021年5月31日之后生育第三孩的家庭。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;"> </span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">政策对父母、子女户籍不做限制，两孩、三孩按照现夫妻共同生育的子女数算，符合政策生育的多胞胎按生育个数计算，超过三孩的家庭按三孩标准领取补贴。但以下情形不计入子女数：再婚夫妻再婚前生育子女；夫妻收养的子女；已死亡的子女或失踪经法定程序宣告死亡的子女；婚姻存续期间与配偶之外的人生育的子女。</span></p><p> </p><section><section style="margin: 10px auto; display: flex; justify-content: flex-start;"><section><section style="display: flex; justify-content: flex-start;"><section style="margin-bottom: -25px;"><section style="border-radius: 100%; padding: 6px; background: linear-gradient(to left,rgba(86,222,209,0.8),transparent); box-sizing: border-box;"><section style="width: 32px; height: 32px; border-radius: 100%; background-color: #59e3d1; text-align: center; line-height: 34px; box-sizing: border-box;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #ffffff;"><strong>0</strong><strong title="">3</strong></section></section></section></section></section><section style="margin-left: 20px;"><section style="background: linear-gradient(to right,#084cc7,#137edd); border-radius: 15px 0 15px 0; padding: 8px 20px 8px 35px; box-sizing: border-box;"><section style="font-size: 16px; color: #ffffff; text-align: justify;"><strong>本次的“住有所居”首次置业和多孩家庭购房补贴政策和去年有什么不同吗？</strong></section></section><section style="width: 85%; height: 6px; background: linear-gradient(to right,#acf1e8,#f6fdfc); margin-left: auto; margin-top: 4px; box-sizing: border-box;"></section></section></section></section></section><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">今年购房补贴额度共2亿元，补贴标准与今年3月的一样，但要特别注意以下问题：</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;"> </span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">1.个人及配偶中任一方已享受过2024年、2025年“住有所居”首次置业购房补贴的，不可重复享受。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">2.2024年、2025年已享受多孩家庭购房补贴的，不可重复享受。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">3.财政补贴资金不能用于首付，需在网签后申请兑付。</span></p><p> </p><section><section style="margin: 10px auto; display: flex; justify-content: flex-start;"><section><section style="display: flex; justify-content: flex-start;"><section style="margin-bottom: -25px;"><section style="border-radius: 100%; padding: 6px; background: linear-gradient(to left,rgba(86,222,209,0.8),transparent); box-sizing: border-box;"><section style="width: 32px; height: 32px; border-radius: 100%; background-color: #59e3d1; text-align: center; line-height: 34px; box-sizing: border-box;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #ffffff;"><strong>0</strong><strong title="">4</strong></section></section></section></section></section><section style="margin-left: 20px;"><section style="background: linear-gradient(to right,#084cc7,#137edd); border-radius: 15px 0 15px 0; padding: 8px 20px 8px 35px; box-sizing: border-box;"><section style="font-size: 16px; color: #ffffff; text-align: justify;"><strong>购房补贴申请怎么规定的？</strong></section></section><section style="width: 85%; height: 6px; background: linear-gradient(to right,#acf1e8,#f6fdfc); margin-left: auto; margin-top: 4px; box-sizing: border-box;"></section></section></section></section></section><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">1.购房者与开发商签订认购协议。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">2.开发商协助购房者在房地产“新政”系统中申请补贴额度。2025年10月1日起每天8:30—17:00，额度用完为止。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">3.申请成功后，购房者与开发商签订商品房买卖合同（网签备案）。额度申请成功后一个月内完成网签，未在期限内网签的，视同放弃补贴。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">4.网签成功一个月后，购房者与开发商共同申请将补贴兑付给开发商用于购房款。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;"> </span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">补贴兑付后，不得解除商品房买卖合同，如因不可抗力因素确需解除商品房买卖合同的，由开发商将补贴金退回后再行解除。</span></p><p> </p><section><section style="margin: 10px auto; display: flex; justify-content: flex-start;"><section><section style="display: flex; justify-content: flex-start;"><section style="margin-bottom: -25px;"><section style="border-radius: 100%; padding: 6px; background: linear-gradient(to left,rgba(86,222,209,0.8),transparent); box-sizing: border-box;"><section style="width: 32px; height: 32px; border-radius: 100%; background-color: #59e3d1; text-align: center; line-height: 34px; box-sizing: border-box;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #ffffff;"><strong>0</strong><strong title="">5</strong></section></section></section></section></section><section style="margin-left: 20px;"><section style="background: linear-gradient(to right,#084cc7,#137edd); border-radius: 15px 0 15px 0; padding: 8px 20px 8px 35px; box-sizing: border-box;"><section style="font-size: 16px; color: #ffffff; text-align: justify;"><strong>住房公积金贷款额度怎么确定？</strong></section></section><section style="width: 85%; height: 6px; background: linear-gradient(to right,#acf1e8,#f6fdfc); margin-left: auto; margin-top: 4px; box-sizing: border-box;"></section></section></section></section></section><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">住房公积金贷款额度与基础额度、购（建）房总价以及职工个人住房公积金缴存余额、还款能力等因素相关。政策调整后，单职工家庭基础额度90万元，叠加信用分上浮政策后最高可贷120万元；双职工家庭基础贷款额度130万元，叠加信用分上浮政策后最高可贷160万元，多孩家庭最高可贷225万元。</span></p><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">【计算公式】贷款额度=职工家庭可贷额度+上浮额度</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">职工家庭可贷额度=职工家庭公积金账户余额×20倍（注：借款人及其共同借款人申请贷款日前（含当月）12个月内已提取的住房公积金可合并计算缴存账户余额）</span></p><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">【上浮额度】职工家庭可贷额度达到最高额后（单职工90万元，双职工130万元），按照借款人（共同借款人）的公积金账户缴存、提取情况和信用评价管理情况最高可上浮30万元：</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">①公积金正常连续缴交三年且未提取，单、双职工家庭信用分都达到105分及以上的，可上浮10万元；</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">②单、双职工家庭信用分都达到105分及以上的，可按以下档次上浮：</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;"> </span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">信用分105<span style="font-size: 16px; color: #000000;">—107分，可贷额度上浮10万<span style="font-size: 16px; color: #000000;">，单职工贷款额度最高达到100万<span style="font-size: 16px; color: #000000;">，双职工贷款额度最高达到140万<span style="font-size: 16px; color: #000000;">；信用分108<span style="font-size: 16px; color: #000000;">—110分，可贷额度上浮20万<span style="font-size: 16px; color: #000000;">，单职工贷款额度最高达到110万<span style="font-size: 16px; color: #000000;">，双职工贷款额度最高达到150万<span style="font-size: 16px; color: #000000;">；信用分111分及以上的，可贷额度上浮30万<span style="font-size: 16px; color: #000000;">，单职工贷款额度最高达到120万<span style="font-size: 16px; color: #000000;">，双职工贷款额度最高达到160万<span style="font-size: 16px; color: #000000;">。</span></span></span></span></span></span></span></span></span></span></span></span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;"> </span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">多孩家庭可贷额度达到最高限额（单职工90万<span style="font-size: 16px; color: #000000;">，双职工130万<span style="font-size: 16px; color: #000000;">），家庭可贷额度上浮50%，叠加信用分上浮额度，单职工贷款额度最高可达135万<span style="font-size: 16px; color: #000000;">+30万<span style="font-size: 16px; color: #000000;">=165万<span style="font-size: 16px; color: #000000;">，双职工贷款额度最高可达195万<span style="font-size: 16px; color: #000000;">+30万<span style="font-size: 16px; color: #000000;">=225万<span style="font-size: 16px; color: #000000;">。</span></span></span></span></span></span></span></span></span></p><p> </p><section><section style="margin: 10px auto; display: flex; justify-content: flex-start;"><section><section style="display: flex; justify-content: flex-start;"><section style="margin-bottom: -25px;"><section style="border-radius: 100%; padding: 6px; background: linear-gradient(to left,rgba(86,222,209,0.8),transparent); box-sizing: border-box;"><section style="width: 32px; height: 32px; border-radius: 100%; background-color: #59e3d1; text-align: center; line-height: 34px; box-sizing: border-box;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #ffffff;"><strong>0</strong><strong title="">6</strong></section></section></section></section></section><section style="margin-left: 20px;"><section style="background: linear-gradient(to right,#084cc7,#137edd); border-radius: 15px 0 15px 0; padding: 8px 20px 8px 35px; box-sizing: border-box;"><section style="font-size: 16px; color: #ffffff; text-align: justify;"><strong>哪些人可以申请住房公积金贷款利息补贴，怎么申请？</strong></section></section><section style="width: 85%; height: 6px; background: linear-gradient(to right,#acf1e8,#f6fdfc); margin-left: auto; margin-top: 4px; box-sizing: border-box;"></section></section></section></section></section><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">住房公积金贷款利息补贴政策试行一年，自实施之日起一年内新办理的住房公积金贷款（不含商转公），均可享受利息补贴。利息补贴实行免申即享，每年年初由住房公积金管理中心统一发放至借款人的公积金缴存账户。</span></p><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">补贴期内，缴存职工中断缴费或贷款逾期的，贷款利息补贴终止。政策中的青年人指业务办理时未满35周岁（含）的住房公积金贷款借款人。</span></p><p> </p><section><img class="rich_pages wxw-img" style="vertical-align: baseline; width: 100%; box-sizing: border-box; max-width: 100% !important;" src="https://pics-app.cnyw.net/Fq5vWZG9RghwbTZTan8_SCJWF7kM" alt="image.png" /></section><p> </p><section><section style="margin: 10px auto; display: flex; justify-content: flex-start;"><section><section style="display: flex; justify-content: flex-start;"><section style="margin-bottom: -25px;"><section style="border-radius: 100%; padding: 6px; background: linear-gradient(to left,rgba(86,222,209,0.8),transparent); box-sizing: border-box;"><section style="width: 32px; height: 32px; border-radius: 100%; background-color: #59e3d1; text-align: center; line-height: 34px; box-sizing: border-box;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #ffffff;"><strong>0</strong><strong title="">7</strong></section></section></section></section></section><section style="margin-left: 20px;"><section style="background: linear-gradient(to right,#084cc7,#137edd); border-radius: 15px 0 15px 0; padding: 8px 20px 8px 35px; box-sizing: border-box;"><section style="font-size: 16px; color: #ffffff; text-align: justify;"><strong>咨询电话和办事地点</strong></section></section><section style="width: 85%; height: 6px; background: linear-gradient(to right,#acf1e8,#f6fdfc); margin-left: auto; margin-top: 4px; box-sizing: border-box;"></section></section></section></section></section><p> </p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">1.首次置业购房补贴。咨询电话：85580023；办事地点：宾王路68号10楼办事大厅。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">2.多孩家庭购房补贴。咨询电话：85521847；办事地点：宾王路68号10楼办事大厅。</span></p><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px; color: #000000;">3.公积金贷款。咨询电话：85458036。各委贷银行咨询电话及银行网点，具体见下表（银行排序不分先后）。</span></p><p> </p><section><img class="rich_pages wxw-img" style="vertical-align: baseline; width: 100%; box-sizing: border-box; max-width: 100% !important;" src="https://pics-app.cnyw.net/FsD0R4YPX37B3j0XM4XSbrcx_c5G" alt="image.png" /></section></section><section></section><section></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; background-color: #ffffff;"> </p><p style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; background-color: #ffffff;"><span style="font-size: 14px; color: #888888;">来源丨义乌发布</span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; background-color: #ffffff;"><span style="font-size: 14px; color: #888888;">作者 | 龚盈盈</span></p><p style="display: none;"> </p> <!----></div> 好好好 路过 与必元关吧 知道了 跟我没有半毛钱关系。再怎么样买不起房。我想知道有没有针对离婚妇女的购房政策（名下什么都没有的这种） 挺好 啊啊啊 :):)