上海公积金管理中心 30 日宣布，自 7 月 30 日起，本市将实行公积金认房不认贷政策。该政策规定，名下在本市无房、首次公积金贷款还清的认定为首套住房，不再需要提供房屋抵押登记证明。
此次公积金认房不认贷政策的出台，旨在进一步优化本市住房公积金贷款政策，减轻广大缴存职工的负担，促进住房消费市场的发展。新政实施后，将使得本市公积金贷款更加便捷、高效，更好地满足广大缴存职工的住房需求。
同时，该政策也将对本市房地产市场产生影响。由于不再需要提供房屋抵押登记证明，购房者的负担将减轻，对于刚性需求购房人群而言，购房门槛将有所降低。这将有助于促进本市住房消费市场的发展，进而稳定市场供需关系。
此次公积金认房不认贷政策的实施，体现了政府对广大缴存职工的关心和支持。相信在新政的助力下，本市住房公积金贷款市场将会更加健康、稳定地发展。
新闻翻译：
Shanghai City Housing and Construction Commission announced on July 30th that it will implement the policy of recognizing homes without recognizing loans from now on. The policy allows first-time home loan applicants who do not have a property in the city to be considered as first-time home buyers, eliminating the need for a property mortgage registration certificate.
The implementation of this policy aims to further optimize the Shanghai City Housing and Construction Commission’s mortgage policies, reduce the burden on the vast majority of contributors, and promote the development of the local housing market. With the new policy, it will become easier and more efficient for applicants to obtain mortgage loans, thus better meeting the housing needs of the vast majority of contributors.
At the same time, this policy will also have an impact on the local real estate market. With the elimination of the need for a property mortgage registration certificate, the burden on home buyers will be reduced, making it easier for people with a rigid demand for housing to purchase a home. This will help to promote the development of the local housing market, ultimately stable market supply and demand relationships.
The implementation of this policy demonstrates the government’s concern and support for the vast majority of contributors. With the help of the new policy, the local mortgage market is expected to become healthier and more stable.
【来源】上海：30日起实行公积金认房不认贷，名下在本市无房、首次公积金贷款还清认定为首套住房
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