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  据梳理,北京、重庆、哈尔滨、西安、昆明、青岛、江门、郑州等地已落地政策调整,将贷款到期年龄上限普遍延长至男性68岁、女性63岁,或法定退休年龄后5年,与国家渐进式延迟退休政策协同适配。

  受访人士表示,此次公积金贷款年龄上限调整,通过放宽借款人年龄限制为延长贷款期限创造空间,在释放住房消费潜力的同时,对银行风险评估与防控机制形成新考验。

  银行需在政策红利释放与风险底线坚守间寻求平衡,既要落实支持合理住房需求的政策导向,也要筑牢高龄贷款业务的风控防线。

  北京

  2024年12月31日,北京住房公积金管理中心调整公积金贷款借款人年龄上限,从最高不得超过65周岁调整为不得超过68周岁,与贷款期限有关的其他政策无变化。

  例如,借款申请人已婚,购买新建住房申请公积金贷款,其年龄为40岁,配偶年龄为45岁,申请人贷款最长期限为28年(68-40=28年,68-45=23年,按较长一方计算)。

  住房公积金个人住房贷款借款期限可计算到借款申请人法定退休年龄后5年,原则上最高不超过68周岁,贷款期限最长为30年。

  自2025年1月1日起执行。原有政策与本通知不一致的,以本通知为准。

  重庆

  2024年11月28日,重庆市住房公积金管理中心发布《关于优化调整住房公积金使用政策的通知》,将住房公积金个人住房贷款到期时间男性延长到68岁、女性延长到63岁,或延长到缴存人法定退休年龄后5年,最长贷款期限不超过30年。政策2025年1月1日起执行。

  哈尔滨

  2024年12月31日,哈尔滨住房公积金管理中心发布《关于调整公积金个人住房贷款借款申请人最高年龄限制的通知》,宣布自2025年1月1日起,住房公积金个人住房贷款借款申请人(含共同申请人)偿还贷款最高年龄由男65周岁、女60周岁,延长至男68周岁、女63周岁。所申请的贷款期限不得超过30年,且贷款到期日不超过借款申请人(含共同申请人)法定退休时间后5年。

  在广西来宾市忻城县土司老街,伴随着山歌,机杼声有节奏地传来,“90后”壮族男子兰培文正坐在传统竹笼机前织锦。随着编花竹一条条地逐次转移、反复纵线牵引,锦面上呈现出清新的粉红色花纹。近日,记者来到广西来宾市忻城县,探访中国四大名锦之一壮锦的发源地,了解这位“90后”“山歌王”与壮锦的故事。

  壮锦是广西最具代表性的民族手工艺品,与云锦、蜀锦、宋锦并称中国四大名锦。2006年,壮族织锦技艺被列入中国国家级非物质文化遗产代表性项目名录。忻城是广西壮锦起源地之一。忻城壮锦已有上千年历史,曾作为贡品献给皇室。“十月山城灯火明,家家织锦到三更。”清朝时,忻城举人莫震写下的《忻城竹枝词》,描述了壮锦在忻城发展鼎盛时的场景。现如今,忻城县的壮锦织造正逐渐再现当年繁盛。

  (王伟臣韦佳秀广西来宾报道)

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