深圳买房贷款：首付、利率与放款

First-home qualification is determined on a family basis (including the borrower, spouse and minor children); it is recommended to check the family's property holding count before purchasing

大湾区中心城市，科创与金融双核驱动。。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。

Core city of the Greater Bay Area, driven by dual engines of sci-tech innovation and finance. When it comes to housing loans, there are three things: whether the down payment is enough, whether you can handle the monthly mortgage, and how long it takes for the loan to be disbursed. The following explains everything at once, using the Shanghai standard.

一、先说结论：[object Object],[object Object]怎么办

1. Bottom Line: [object Object], [object Object] – what should you do

首套房首付最低20% · 二套30%-40%（视家庭住房套数）,公积金单人上限50万/家庭100万，符合条件可提至130万,组合贷审批5-10个工作日，放款10-20个工作日,抵押登记住宅80元/件，3个工作日办结,热线：公积金 0755-12329（8:00-22:00）/ 政务 0755-12345（7×24）

First-home down payment starts at 20%; second homes 30%-40% (depends on family's home count), Housing Provident Fund limit: 500,000 RMB individual / 1,000,000 RMB per household (can rise to 1,300,000 RMB if qualified), Combined loan approval takes 5-10 working days, fund disbursement 10-20 working days, Residential mortgage registration 80 RMB/case, completed in 3 working days, Hotline: Housing Fund 0755-12329 (8:00-22:00) / Government Services 0755-12345 (24/7)

二、谁来办，电话怎么打

II. Who Handles It and How to Call

深圳市住房公积金管理中心是公积金贷款的主管部门，各区管理部受理窗口办公时间为工作日 9:00-12:00 / 14:00-17:45,商业贷款部分由各家贷款银行独立审批，利率与放款周期以银行实际政策为准，建议同时咨询2-3家银行对比,非深户申请公积金贷款需在深圳连续缴存公积金满6个月，且无逾期未还公积金记录,购房资格认定以深圳市住房和建设局最新政策为准，首套/二套认定由房管部门网签时系统自动核验

The Shenzhen Housing Provident Fund Management Center is the competent authority for housing provident fund loans; district service window hours are weekdays 9:00-12:00 / 14:00-17:45. Commercial loan portions are independently approved by individual banks — interest rates and disbursement timelines are subject to each bank's actual policy; we recommend consulting 2-3 banks for comparison. Non-Shenzhen residents must have contributed to the Shenzhen housing provident fund continuously for at least 6 months and have no overdue repayments on record. Eligibility as first or second home is determined by the Shenzhen Housing and Construction Bureau's latest policy and auto-verified during online signing.

三、去哪个窗口办，几点开门

3. Which window to apply at, and opening hours

广东政务服务网（www.gdzwfw.gov.cn）：支持公积金提取、贷款申请全流程线上办理，可下载打印缴存证明,"i深圳"APP：集成公积金查询、提前还款申请、抵押登记预约等功能，首页搜索"公积金"即可进入,各区不动产登记窗口：地址以广东政务服务网公示为准，建议提前在"i深圳"APP预约取号以减少排队时间,市民中心（福田区福华三路）：集中受理公积金、不动产、社保等多项业务，部分窗口支持跨事项联办

Guangdong Government Services Network (www.gdzwfw.gov.cn): supports full online processing of housing fund withdrawal and loan applications, including downloading and printing contribution certificates,"i Shenzhen" APP: integrates housing fund balance inquiry, early repayment application, mortgage registration appointment and other functions; search "Gongjijin" on the homepage to access,Housing fund management center business halls: refer to Guangdong Government Services Network for addresses; booking a queue number via the "i Shenzhen" APP in advance is recommended to reduce waiting time,Civic Center (3 Fuhua Three Road, Futian District): centrally handles housing fund, real estate, social security and other services; some counters support cross-category joint processing

四、谁能办（受理条件）

4. Who Can Apply (Eligibility Requirements)

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 following conditions first to confirm eligibility before heading to the window, saving an unnecessary trip. Conditions are subject to the official guide text.

• 在深圳连续缴存住房公积金满一定期限（以市公积金中心当年规定为准）的职工，可申请公积金贷款。
• 购买深圳市行政区域内新建商品房或二手房，买卖合同已网签备案，首付款比例符合首套或二套认定标准。
• 申请人信用记录良好，无未结清的公积金贷款；家庭已有两套及以上住房或贷款记录达到上限的，停贷或降额，具体以公积金中心审批为准。
• 组合贷申请人须同时满足商业银行按揭条件，商贷部分由银行独立审批。
• Employees who have contributed to the housing provident fund in Shenzhen continuously for a required period (subject to the city provident fund center's current-year regulations) may apply for a provident fund loan.
• Purchase of new or second-hand commercial housing within Shenzhen's administrative area, with the sales contract online-registered and filed, and the down payment meeting the first-time or second-time buyer threshold.
• The applicant must have a clean credit record with no outstanding provident fund loans. Families owning two or more properties or with loan records reaching the limit will face loan denial or reduced amounts; final approval is subject to the provident fund center.
• Applicants for a combined loan must simultaneously meet the commercial bank's mortgage requirements; the commercial portion is independently approved by the bank.

五、带什么材料

V. What Materials 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 in one visit is the key to efficient processing. Below are listed by 'original / photocopy / to be filled on-site' — missing any item may result in being asked to return for supplementary documents.

• 本人及配偶身份证、户口本、结婚证（已婚）原件及复印件。
• 购房合同（网签备案版本）与首付款支付凭证。
• 近 6-12 个月银行流水与收入证明（银行要求为准）。
• 公积金缴存证明（“i深圳”APP 可下载）与个人征信报告。
• 二手房另需房产评估报告；组合贷另需银行要求的商贷材料。
• Original and photocopy of ID cards, household register (hukou), and marriage certificate (if married).
• Property purchase contract (online-registered version) and proof of down payment payment.
• Bank statements and income proof for the past 6–12 months (subject to bank requirements).
• Housing fund contribution certificate (downloadable from the i Shenzhen app) and personal credit report.
• For secondhand properties, a property appraisal report is also required; for combined loans, additional commercial loan documents as requested by the bank.

六、办理流程

VI. Processing Procedure

1. 第一步（先定贷款方式）：纯公积金、纯商贷、组合贷三选一。公积金利率最低但有上限，超出部分走商贷。
2. 第二步（查额度）：在“i深圳”APP 或公积金官网测算可贷额度，额度与缴存基数、余额、房价挂钩。
3. 第三步（提交申请）：向公积金管理部或受托银行提交材料，银行初审后报公积金中心审批。
4. 第四步（签约放款）：审批通过后签借款合同、办抵押登记，银行按约定放款到监管账户。
5. 第五步（按月还款）：绑定还款卡，提前还款需提前申请并确认违约金条款。
6. Step 1 (Decide on the loan type first): Choose one of three options — pure housing fund loan, pure commercial loan, or a combined loan. Housing fund loans have the lowest rates but a borrowing cap; any amount exceeding that cap is covered by commercial financing.
7. Step 2 (Check your loan limit): Use the i Shenzhen app or the housing fund official website to calculate your maximum eligible loan amount. The limit is determined by your contribution base, account balance, and property price.
8. Step 3 (Submit your application): Submit the required documents to the housing fund management center or the authorized bank. After the bank's preliminary review, the application is forwarded to the housing fund center for approval.
9. Step 4 (Sign the contract and disburse funds): Once approved, sign the loan agreement and complete the mortgage registration. The bank then disburses the loan to the escrow account as agreed.
10. Step 5 (Make monthly repayments): Link a repayment card. Early repayment requires a prior application and confirmation of any penalty fees.

建议在签订购房合同前先用"i深圳"APP查询本人公积金账户余额及可贷额度，避免资金缺口,组合贷中公积金贷款部分利率较低，优先提高公积金部分贷款额度更划算,提前还款前先向贷款银行确认是否有违约金条款，部分银行还款满1年后免收违约金,关注深圳市住建局官网及广东政务服务网，限购限贷政策如有调整以最新公告为准,首套房认定以家庭为单位（含借款人、配偶及未成年子女），购房前建议先查询家庭住房套数

It is recommended to check your housing fund account balance and maximum loanable amount via the "i Shenzhen" APP before signing a purchase contract, to avoid funding shortfalls

七、多久办完、要花多少钱

VII. How Long Does It Take and How Much Does It Cost

八、属地窗口

8. Local Service Windows

多数事项可以就近在属地窗口办。下面是 深圳 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 local service windows near you. Below are the addresses and phone numbers for Shenzhen service windows; we recommend calling ahead to confirm whether a given window handles your specific matter.

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。以下热线均为全国或北京市统一号码，深圳 同样适用。

Not sure which department handles this, or can't get through to the service window? Call the hotline below directly. All the hotlines listed are national or Beijing-standard numbers, and they all apply in Shenzhen as well.

十、常见问题

10. Frequently Asked Questions