浙江在线08月03日讯宁波市住建委昨天发布消息称，根据住建部等国家四部委《关于规范住房公积金个人住房贷款政策有关问题的通知》精神和要求，经公积金管委会会议讨论通过，宁波从8月1日起，将全市个人住房公积金最高贷款额度，由每户60万元调整为80万元。

Zhejiang online October 03 day-ningbo live is built appoint announced yesterday，According to live JianBu 4 ministries and other countries《On regulating individual housing loan of housing accumulation fund policy of the relevant questions of the notice》Spirit and requirements，The administrative committee meeting to discuss through accumulation fund，Ningbo from August 1，Will the individual housing accumulation fund highest loan amount，By offering 600000 yuan to 800000 yuan。

　　值得注意的是，市住建委方面强调，二套房公积金贷款首付比例必须不低于60%，且贷款利率要在基准利率基础上上浮10%，三套房公积金贷款则一律停贷。

Note the，Living in the city is built appoint emphasis，Two suites of accumulation fund loan documentation must be no less than 60% proportion，And loan interest rate in based on the benchmark interest rate to rise 10%，Three suites are all TingDai accumulation fund loan。

贷款额度提高将减轻购房利息支出 Loans will reduce buys a room to improve the interest payments

　　据市住建委方面介绍，在目前宁波的购房人群中，绝大多数为首次购买自住住房的年轻职工家庭。按照当前市场房价，一套面积约90平方米的普通住房，总价约120万元；以首套房最低首付比例30%计，则购房家庭需申请的房贷总额在80万元以上。

According to live in this city construction，In the present purchase of ningbo crowd，The vast majority for the first time, buy live oneself housing of young worker family。According to the current market prices，An area of about 90 square meters of common housing，Worth about $1.2 million；The first suite down 30% minimum ratio millions，The family needs the mortgage purchase for total amount is in 800000 yuan of above。

　　在公积金最高贷款在60万元的水平时，这意味着购房者首次购置这样一套住房，只能选择组合贷款。市中心本级个人住房公积金贷款数据也显示，在2011年4月19日至2012年6月30日公积金最高贷款额度为60万元期间，组合贷款金额占到同期总贷款金额的40%。鉴于商业银行贷款利率较公积金贷款利率要高，购房家庭选择组合贷款后所要支付的利息，显然会多于选择纯公积金贷款。而在公积金最高贷款额度提至80万元后，则可减轻购房家庭的贷款利息支出。

In accumulation fund loan is in 600000 yuan of the highest level，This means that the person that buy a house first purchase such a housing，Can only choose loan portfolio。At the downtown loan of individual housing accumulation fund data also showed，On April 19, 2011 to June 30, 2012 accumulation fund highest loan a 600000 yuan credit limit period，Combination of the same period the loan amount to 40% of the total loan amount。In view of commercial bank loan interest rates higher than accumulation fund loan interest rate，Purchase family choose loan portfolio after they will pay interest，Will obviously be more than choose pure accumulation fund loan。And the highest in accumulation fund loans carry to 800000 yuan，It can reduce the purchase of the loan interest expenses family。

严格限贷，抑制投资投机性购房需求 Strictly limit credit，Inhibition of speculative investment the pent-up demand

　　市住建委方面提供的数据显示，截至2012年6月底，全市住房公积金个贷比率为55.62%，该比率自2011年11月份至今，已连续8个月低于60%。而一般来说，住房公积金个贷比率通常应该在70%—85%之间。

The city provides live is built appoint figures show，By the end of 2012 to the end of June，The housing accumulation fund GeDai ratio is 55.62%，This ratio in November from 2011 up to now，Already eight months of less than 60%。But generally speaking，Housing accumulation fund GeDai ratio should normally be in 70%, 85% between。

　　但投资投机型购房需求的公积金贷款要求，不会得到满足。市住建委方面重申，将继续严格执行限贷政策，对于职工利用公积金贷款购置家庭第二套住房的，要求首付比例至少达到60%，且贷款利率要为基准利率的1.1倍；对于职工购置第三套及以上住房的，则一律不予发放公积金贷款。

But the pent-up demand for investment model of accumulation fund loan requirements，Will not be met。City live is built appoint side reaffirmed，Will continue to strictly carry out limit credit policy，For workers use accumulation fund loan purchase family second homes，Requirements at least 60% down proportion，And loan interest rate to 1.1 times the benchmark interest rate；For the third set of and above purchase worker housing，The issue of accumulation fund loan are not。

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每月缴存1000元，基本可贷足80万元 Monthly capture puts 1000 yuan，Basic loanable foot 800000 yuan

　　目前宁波对个人住房公积金贷款可贷额度的计算，以下面公式为准：可贷额度＝借款人及参与计算贷款额度人员的缴存基数之和×贷款系数×12个月×贷款(计算)期限。其中，缴存基数＝每月缴存额×缴存比例，据了解，一般单位的公积金缴存比例定在12%；公式中的贷款系数统一为40%，贷款期限最长为20年。以此公式计算，如果一距离自己退休还有20年以上的市民，目前每月从其本人工资中扣除的公积金为1000元，同时该市民所在单位替职工缴纳公积金的缴存比例为12%，则该市民公积金贷款的最高额度为：(1000／12%)×0.4×12×20＝800000元。

At present to ningbo loan of individual housing accumulation fund loan limit of calculation，With the formula shall prevail：Loan limit = the borrower and participate in calculation loans personnel the capture of the sum of base of × × 12 months loan coefficient × loans(calculation)deadline。Among them，Capture puts base = monthly × capture puts the forehead to capture puts scale，According to understand，General unit accumulation fund capture puts scale set at 12%；The loan coefficient formula unified to 40%，The time limit for the loan for 20 years。This formula，If a distance of their retirement and 20 years of citizens，Now a month from their wages of accumulation fund for 1000 yuan deduction，At the same time, this unit to citizens for worker pay accumulation fund capture puts scale for 12%，The citizens of accumulation fund loan quota for the highest：(1000/12%)X 0.4 × 12 × 20 = 800000 yuan。

　　目前，宁波住房公积金贷款政策规定，夫妻双方的公积金缴存基数可合并计算，但最终的贷款额度依然不能超过最高限额。

At present，Ningbo housing accumulation fund loan policies，Both sides of husband and wife the accumulation fund capture of base can incorporate computation，But eventually loans still cannot exceed the limit。

纯公积金贷款到底可带来多少实惠 Pure accumulation fund loan exactly how much can bring benefits

　　连续两次降息后，现行商业银行5年以上期房贷年基准利率为6.55%，5年以上期公积金贷款年基准利率为4.5%。

After two successive cut interest rates，The current commercial bank more than 5 years of benchmark interest rate is 6.55% in mortgages，More than 5 years of accumulation fund loan for 4.5% in the benchmark interest rate。

　　以一户家庭购置首套住房、需贷款80万元、贷款年限20年、采取等额本息方式还款为例，在此次公积金最高贷款额度调整前，该家庭只能申请20万元商业贷款＋60万元公积金贷款的组合贷款。假设该家庭能申请到最高的60万元公积金贷款，以商业贷款利率享受8.5折优惠计，还款总额1243033.63元其中利息443033.63元，月均还款额5179.31元。

With a family first set of housing purchase、Needs a loan of $800000、Loan fixed number of year 20 years、Take photograph of principal and interest payments for example way，In the highest accumulation fund loans before the adjustment，The family can only apply for 200000 yuan of commercial loan + 600000 yuan of accumulation fund loan portfolio of loans。The family that can apply for the highest 600000 yuan of accumulation fund loan，Commercial loan interest rates to receive a 8.5 discount plan，Reimbursement amount 1243033.63 yuan including interest of 443033.63 yuan，The average monthly payments 5179.31 yuan。

　　而调整后，如该家庭申请到80万元的纯公积金贷款，则还款总额降至1214686.8元其中利息降至414686.8元，月均还款额降至5061.2元。

And after adjustment，If the family to 800000 yuan of pure apply for accumulation fund loan，The reimbursement amount fell to 1214686.8 yuan including when interest rates fall to 414686.8 yuan，The average monthly payments fell to 5061.2 yuan。

　　宁波晚报 记者 程旭辉 实习生 王凯艺 通讯员 吴培均

Ningbo evening news reporter ChengXuHui interns WangKaiYi WuPeiJun correspondent