成都买房贷款：首付、利率与放款
Chengdu Home Purchase Loans: Down Payment, Interest Rates, and Disbursement
天府之国核心、大熊猫故乡与世界美食之都，慢生活与高新技术交相辉映。。房贷就三件事：首付够不够、月供扛不扛、放款等多久。下面按上海口径一次写清。
At the heart of the Land of Abundance, hometown of giant pandas and UNESCO City of Gastronomy, slow living and high-tech industries shine together. A home loan boils down to three things: whether your down payment is enough, whether you can bear the monthly payments, and how long you wait for disbursement. The following covers it all at once under Shanghai's standards.
分类：办Category: Services
⚠ 电话与办公时间核验日期见页尾「数据来源」。机关电话与窗口安排可能调整，出发前建议先电话确认。⚠ Check the「Data Source」section at the end of the page for the date of telephone and office-hours verification. Agency phone numbers and counter schedules may change — please confirm by phone before visiting.
最后更新：2026-09-26Last updated: 2026-09-26
🟢 官方口径：以政府/官方公告为准，变更以官方最新为准。 🟡 实测行情：2026-09 实地与平台行情，市场随季节波动。 ⚪ 口碑参考：用户口碑/评价整理，仅供参考。 核验日期：2026-09-26。
🟢 Official: follows the latest government notice. 🟡 Field data: 2026-09 on-site and platform quotes, subject to seasonal change. ⚪ Community: reviews, for reference only. Verified: 2026-09-26.
承办机构、办理地点、办公时间、材料清单、办理时限与收费标准，以 成都 政务服务机构及各主管部门官方公示的办事指南为准；本文只做汇总与对照，具体口径请以官方最新公布为准。
Hosting agency, processing location, office hours, document checklist, processing time limit, and fee standards are all subject to the official guidance published by government service centers and relevant departments in Chengdu. This article provides a consolidated reference only; please verify specific details against the latest official announcements.
一、先说结论：住房公积金个人住房贷款申请与贷后提取怎么办
I. The Bottom Line: How to Apply for a Housing Provident Fund Personal Housing Loan and Handle Post-Loan Withdrawals
成都市住房公积金贷款利率显著低于商业按揭贷款。在成都市连续正常足额缴存住房公积金满 6 个月及以上的职工购买自住住房，单缴存人最高可贷额度通常为 60 万元，双缴存人家庭最高可贷额度通常为 80-90 万元（符合多子女家庭政策的额度可进一步上浮）；贷款额度与个人账户缴存余额及还贷能力严格挂钩。
Housing Provident Fund mortgage rates in Chengdu are significantly lower than commercial mortgage rates. Employees who have made continuous, full contributions to the Housing Provident Fund in Chengdu for six months or more and purchase a primary residence are eligible for a loan; the maximum amount for a single contributor is typically 600,000 yuan, while for a dual-contributor household it is typically 800,000 to 900,000 yuan (higher limits may apply under policies supporting multi-child families). Loan amounts are strictly tied to the balance in the personal account and the borrower's repayment capacity.
二、谁来办，电话怎么打
2. Who Handles It, How to Call
成都 承办机构与咨询电话Chengdu - Handling Agency and Hotline| 承办机构 | Department | 咨询电话 | Phone | 出处等级 | Source tier | | 成都市住房公积金管理中心 | Chengdu Housing Provident Fund Management Center | 028-86279188 | 028-86279188 | 市级 | Municipal level |
公积金贷款由成都市住房公积金管理中心统筹审批，各承办商业银行公积金贷款专柜具体经办。表中服务热线经官方核实，固定咨询电话为 028-86279188，住房公积金全国统一服务热线为 12329。
The housing provident fund loan is centrally approved by the Chengdu Housing Provident Fund Management Center, with specific processing handled by dedicated loan counters at each participating commercial bank. Hotlines listed have been verified through official sources. The fixed consultation line is 028-86279188, and the national unified housing provident fund service hotline is 12329.
三、去哪个窗口办，几点开门
3. Which counter to use and what are the opening hours
成都 办事地点与办公时间Chengdu - Handling Location and Office Hours| 办理地点 | Office | 地址 | Address | 办公时间与预约 | Hours and booking | | 成都市政务服务中心 | Chengdu Municipal Government Service Center | 青羊区草市街 2 号 | 2 Caoshi Street, Qingyang District | 工作日 09:00-12:00, 13:00-17:00（提供周六延时服务） | Workdays 09:00-12:00, 13:00-17:00 (Saturday extended hours available) |
| 成都高新区政务服务中心 | Chengdu High-tech Zone Government Service Center | 武侯区益州大道中段 999 号 | No. 999 Middle Section of Yizhou Avenue, Wuhou District | 工作日 09:00-12:00, 13:00-17:00（天府软件园旁，提供企业一站式代办） | Workdays 09:00-12:00, 13:00-17:00 (next to Tianfu Software Park, offers one-stop corporate agency services) |
| 四川天府新区政务服务中心 | Sichuan Tianfu New Area Government Service Center | 天府大道南段 1632 号天府菁蓉大厦 | Tianfu Jingrong Building, No. 1632 Tianfu Avenue South Section | 工作日 09:00-12:00, 13:00-17:00（支持兴隆湖科学城企业与人才窗口综合受理） | Workdays 09:00-12:00, 13:00-17:00 (supports integrated acceptance at the Xinglong Lake Science City enterprise and talent window) |
| 武侯区政务服务中心 | Wuhou District Government Service Center | 武侯区武科西五路 360 号 | No. 360, Wuke West 5th Road, Wuhou District | 工作日 09:00-12:00, 13:00-17:00（设社会事务、不动产与公安综合窗口） | Working days 09:00–12:00, 13:00–17:00 (comprehensive windows for social affairs, real estate, and public security) |
市级主大厅为成都市住房公积金城南服务厅（高新区益州大道中段 999 号）及草市街政务大厅窗口，支持在微信小程序“成都公积金”或“天府市民云”APP 进行贷款额度试算与贷后还款按月提取签约。
The main municipal hall is the Chengdu Housing Provident Fund South City Service Hall (No. 999, Middle Section of Yizhou Avenue, High-Tech Zone) and the Caoshijie Government Affairs Hall window. Online services are available via the WeChat mini-program "Chengdu Housing Fund" or the "Tianfu Citizen Cloud" app for loan amount estimation and post-loan monthly repayment withdrawal agreement.
四、谁能办（受理条件）
IV. Who Can Apply (Acceptance Conditions)
先对照下面几条确认自己符合，再去窗口，能省掉一次白跑。条件以官方办事指南原文为准。
Check the conditions below first to confirm you qualify before heading to the counter — this saves a wasted trip. Eligibility criteria are subject to the official service guide.
- 申请贷款当月前在成都市或异地公积金中心连续正常足额缴存公积金满 6 个月（含）以上，且公积金账户处于正常缴存状态。
- 申请人及其配偶具有良好的个人信用记录，不存在逾期未结清或严重失信行为，具备按期偿还贷款本息的能力。
- 已支付不低于所购自住住房规定比例的首期付款（首套房通常首付 20% 起）。
- 同意以所购住房作为抵押物并办理抵押登记手续。
- You must have made continuous, regular, and full housing provident fund contributions for at least 6 months (inclusive) prior to the month of application, either at a Chengdu center or a non-local center, with the account in normal contribution status.
- The applicant and their spouse must have a good personal credit record, with no overdue unpaid balances or serious dishonest conduct, and must be capable of repaying the loan principal and interest on schedule.
- A down payment of no less than the prescribed proportion of the purchased self-occupied residence has been paid (first-home buyers are generally required to pay at least 20% down).
- Agree to use the purchased residence as collateral and complete the mortgage registration procedures.
五、带什么材料
V. What Documents to Bring
材料一次带齐是办事效率的关键。下面按「原件 / 复印件 / 需现场填写」分开列，缺一项就可能被退回补正。
Bringing all required documents at once is key to efficient processing. They are listed below by category — original / photocopy / to be filled out on-site — and missing even one item may result in your application being returned for correction.
- 借款申请人及配偶的有效居民身份证、结婚证或婚姻状况声明。
- 经成都市住建局网签备案的《商品房买卖合同》或存量房（二手房）买卖合同原件。
- 首付款发票或资金监管凭证原件。
- 借款申请人及配偶近半年的银行工资流水明细。
- Valid resident identity cards of the loan applicant and spouse, marriage certificate, or marital status declaration.
- Original copy of the Commercial Housing Sales Contract or existing housing (second-hand) sales contract filed and registered via the Chengdu Housing and Urban-Rural Development Bureau's online system.
- Original copy of the down payment invoice or fund supervision voucher.
- Bank salary transaction details for the loan applicant and spouse covering the most recent six months.
六、办理流程
VI. Processing Procedure
- 第一步（额度试算）：登录“成都公积金”微信小程序，点击【贷款额度试算】，输入个人公积金余额、缴存基数与房价，系统预估可贷最高额度。
- 第二步（提交申请）：在楼盘合作银行网点或二手房资金监管专柜提交借款人身份材料、首付凭据与购房合同。
- 第三步（中心审批）：成都市住房公积金管理中心对贷款申请人的购房资格、征信与还款能力进行线上合规审批。
- 第四步（抵押放款）：审批通过后办理不动产抵押登记，公积金中心按合同约定将贷款资金划转至售房人监管账户，借款人开通“按月冲还贷”自动划扣。
- Step One (Eligibility Estimation): Log in to the 'Chengdu Housing Provident Fund' WeChat mini program, click [Loan Amount Estimation], and input your personal housing provident fund balance, contribution base, and property price. The system will estimate your maximum eligible loan amount.
- Step Two (Submit Application): Submit the borrower's identity documents, down payment proof, and property purchase contract at the cooperative bank branch of the residential project or at the second-hand housing fund supervision counter.
- Step Three (Center Approval): The Chengdu Housing Provident Fund Management Center conducts an online compliance review of the loan applicant's property purchase eligibility, credit report, and repayment capacity.
- Step Four (Mortgage & Disbursement): Upon approval, complete the real estate mortgage registration. The Housing Provident Fund Management Center transfers the loan funds to the seller's supervised account as stipulated in the contract, and the borrower activates the automatic monthly deduction service for mortgage repayment.
【余额千万别乱提】！公积金贷款额度计算公式中，【账户余额倍数（通常为余额的 20-25 倍）】是决定你能贷到多少万的核心杠杆！在申请公积金贷款前 6 个月内，千万不要将公积金余额提取走，否则余额过低将直接导致可贷额度大幅缩水！
[Do NOT Withdraw Your Balance Carelessly!] In the housing provident fund loan amount calculation formula, [the account balance multiplier (usually 20–25 times the balance)] is the key factor determining how much you can borrow! Do not withdraw your housing provident fund balance within the six months prior to applying for a provident fund loan; otherwise, a low balance will directly cause a significant reduction in your eligible loan amount!
七、多久办完、要花多少钱
7. Processing time and cost
成都 办理时限、费用与依据Chengdu — Processing Time Limits, Fees, and Legal Basis| 项目 | Item | 说明 | Detail | | 贷款最高限额 | Maximum Loan Limit | 单缴存人最高 60 万元；双职工家庭最高 80-90 万元（以官方最新公告为准） | Single contributor: up to 600,000 yuan; dual-income couple: up to 800,000–900,000 yuan (subject to the latest official announcement) |
| 首付比例要求 | Down Payment Ratio Requirements | 购买首套自住住房首付款比例原则上不低于 20% | For a first-time primary residence purchase, the down payment ratio shall generally not be less than 20% |
| 还款方式选择 | Repayment Method Options | 支持等额本息还款法与等额本金还款法 | Equal principal and interest repayment method and equal principal repayment method are both supported |
八、属地窗口
VIII. Local-Service Windows
多数事项可以就近在属地窗口办。下面是 成都 各窗口的地址与电话，出发前建议先电话确认该窗口是否办理本事项。
Most matters can be handled at your local service window. Below are the addresses and phone numbers for windows across Chengdu; we recommend calling ahead before heading out to confirm whether that specific window handles your matter.
成都 属地窗口Chengdu — Local Service Window| 窗口 | Office | 电话 | Phone | 地址 | Address | 出处等级 | Source tier | | 成都市住房公积金城南服务厅 | Chengdu Housing Provident Fund Chengnan Service Hall | 028-86279188 | 028-86279188 | 高新区益州大道中段 999 号 | No. 999, Middle Section of Yizhou Avenue, High-Tech Zone | 市级 | Municipal level |
九、常用政务热线
9. Common Government Service Hotlines
不确定归哪个部门、或者窗口电话打不通，直接打下面的热线。以下热线均为全国统一号码，成都 同样适用。
If you're unsure which department is responsible or can't get through to the window by phone, call one of the hotlines below. All of the following are national toll-free numbers and are also valid in Chengdu.
成都 常用政务热线Chengdu Common Government Hotlines| 热线 | Hotline | 用途 | What it handles | 服务时间 | Hours | 出处等级 | Source tier | | 12345 | 12345 | 政务服务便民热线（政务咨询、城市运行与民生诉求 24 小时统筹受理） | Government Services Convenience Hotline (24-hour integrated handling of government consultations, urban operations, and public livelihood requests) | 7×24小时 | 7×24 hours | city | city |
| 12333 | 12333 | 人力资源和社会保障热线（社保参保缴费、养老待遇、劳动关系仲裁） | Human Resources and Social Security Hotline (Social Insurance Enrollment and Payment, Pension Benefits, Labor Dispute Arbitration) | 7×24小时（人工服务工作日 09:00-17:00） | 7×24 hours (Human service on working days 09:00–17:00) | national | national |
| 12329 | 12329 | 住房公积金热线（成都公积金租房提取、贷款额度测算与账户查询） | Housing Provident Fund Hotline (Chengdu Gongjijin Rental Withdrawal, Loan Amount Estimation and Account Inquiry) | 人工工作日 09:00-17:00；自助 7×24小时 | Human service on working days 09:00–17:00; Self-service 7×24 hours | national | national |
| 12393 | 12393 | 医疗保障服务热线（医保报销比例、异地就医直接结算、职工医保转接） | Medical Insurance Service Hotline (Medical Insurance Reimbursement Ratio, Out-of-region Medical Treatment Direct Settlement, Employee Medical Insurance Transfer) | 人工工作日 09:00-17:00 | Human service on working days 09:00–17:00 | national | national |
| 12123 | 12123 | 公安交管便民热线（车辆违章记分查询、外牌尾号限行申诉、驾照换证） | Public Security Traffic Management Convenience Hotline (Vehicle Violation Points Inquiry, Out-of-tow Plate Restricted Driving Appeal, Driver's License Renewal) | 人工工作日 09:00-17:00 | Human service on working days 09:00–17:00 | national | national |
| 12315 | 12315 | 消费者投诉举报热线（餐饮文旅宰客消费争议、假冒伪劣举报） | Consumer complaint and reporting hotline (food and tourism overcharging disputes, counterfeit goods reporting) | 工作日 09:00-17:00 | Weekdays 09:00–17:00 | national | national |
| 12301 | 12301 | 全国旅游服务热线（景区违规运营、导游欺诈纠纷调解） | National Tourism Service Hotline (scenic area operation violations, tour guide fraud mediation) | 工作日 09:00-17:00 | Weekdays 09:00–17:00 | national | national |
十、常见问题
X. Frequently Asked Questions
成都 常见问题Chengdu FAQs| 问题 | Question | 回答 | Answer | | 在成都办了商业房贷，可以转成公积金贷款（商转公）吗？ | Is it possible to convert a commercial mortgage obtained in Chengdu into a housing provident fund loan (commercial-to-provident-fund conversion)? | 成都市已正式推行“商业贷款转公积金贷款”业务！借款人原商业房贷银行在受托合作范围内，已取得不动产权证书且原商贷还款正常满一年以上，符合公积金贷款条件的，可向公积金中心申请转贷以降低月供利息。 | Chengdu has officially launched the 'commercial loan to housing provident fund loan' conversion program! If the original commercial mortgage bank is within the authorized cooperative range, the real estate ownership certificate has been obtained, and the original commercial loan has been repaid normally for at least one year, and the borrower meets the housing provident fund loan requirements, you may apply to the Housing Provident Fund Management Center for loan conversion to reduce monthly interest payments. |
| 婚前一个人买房，婚后可以用配偶的公积金一起还贷吗？ | If one spouse buys a house before marriage, can the couple use both spouses' housing provident fund accounts to repay the loan after marriage? | 完全可以！夫妻双方在天府市民云或公积金微信端绑定配偶关系并签署按月冲还贷协议后，系统每月在还贷日前会自动从夫妻双方公积金账户余额中划扣当期房贷月供。 | Absolutely! After both spouses link their marital relationship on Tianfu Citizens Cloud or the Housing Provident Fund WeChat mini-program and sign a monthly automatic deduction repayment agreement, the system will automatically deduct that month's mortgage payment from both spouses' housing provident fund account balances before the repayment date each month. |