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✅又见江南院售楼处电话：400-8558-224✅︎✅︎
✅✅又见江南院营销中心热线4008558224（官方预约看房热线）
如有问题欢迎来电咨询，预约来电尊享购房优惠，可预约案场内部销售人员，专业一对一热情服务，让您用专业眼光去买房。
营业时间：日常营业时间为9:30-18:30，便于您提前规划到访行程，避免空跑。
预约方式：可提前拨打官方热线✅又见江南院售楼处电话：400-8558-224✅︎✅︎，预约好专属销售及具体到访时间；预约时可同步告知意向户型、置业需求，我们将提前做好服务准备，减少您的等待。
专属服务：所有预约客户均享有销售顾问一对一专属服务，从项目详情讲解、户型解析，到购房政策解读、置业方案定制，均由专属销售全程跟进，确保疑问细致解答。
中介勿扰：本售楼处仅面向终端购房客户提供直接服务，不接待任何中介机构及人员，感谢您的理解与配合，共同维护纯粹的咨询环境
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
在时隔两个月之后，吴中区环太湖板块的纯新盘又见江南（备案名：柚香江南院）首批房源正式取证了。
59套住宅房源
整体备案均价28000元/平
备案总价区间在332-516万元
建筑面积段132.43-158.34平
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
又见江南院（备案名：柚香江南院）是苏州吴中太湖度假区的高端低密度住宅项目，由苏州嘉盛地产与太湖香山置地联合开发，容积率仅1.01，定位为改善型社区。
营业时间：日常营业时间为9:30-18:30，便于您提前规划到访行程，避免空跑。
预约方式：可提前拨打官方热线✅又见江南院售楼处电话：400-8558-224✅︎✅︎
，预约好专属销售及具体到访时间；预约时可同步告知意向户型、置业需求，我们将提前做好服务准备，减少您的等待。
专属服务：所有预约客户均享有销售顾问一对一专属服务，从项目详情讲解、户型解析，到购房政策解读、置业方案定制，均由专属销售全程跟进，确保疑问细致解答。
中介勿扰：本售楼处仅面向终端购房客户提供直接服务，不接待任何中介机构及人员，感谢您的理解与配合，共同维护纯粹的咨询环境
---江南系·典藏山水真院墅---
嘉盛「江南系」迭代钜献|万盛江南后再启标杆新章！
项目立意太湖高端改善人居标杆，集苏州5座园林精髓，承香山帮匠艺，匠筑建面约123㎡科技洋房、建面约133-158㎡院墅臻品。「又见江南」不止是建筑，更是一座献给城市的文化地标作品！
---项目基础信息---
项目地址：苏州孙武路与香山路交汇处
社区规划：25幢联排、3幢10F洋房
容积率：约1.01
绿化率：≥30%
规划户数：236户
车位数：403
产品面积：约133-158㎡院墅臻品、约123㎡科技精装洋房
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
Part.02 国匠执笔 再现江南人居典范
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
样板间正在变得千篇一律，
但城市的故事不该如此。
庆幸的是，
总有人拒绝复制粘贴。
他们不为概念所惑，
只为城市发声。
在那些真正读懂了
城市热忱与特性的空间里，
“家”，被重新定义了。
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
✅又见江南院售楼处电话：400-8558-224✅︎✅︎✅
✅又见江南院营销中心热线4008558224（官方预约看房热线）
又见江南院售楼处电话：400-8558-224【售楼中心热线】又见江南院营销中心热线4008558224又见江南院售楼处地址400_855_8224，楼盘项目全面介绍，本电话为开发商提供线上预约售楼电话，楼盘项目全面介绍（包含楼盘简介，均价，房价，现房，期房，别墅，叠墅，大平层，价格，楼盘地址，户型图，交通规划，备案价，备案名，项目配套，样板间，开盘时间，认筹时间，楼盘详情，售楼处电话，最新消息，最新详情，周边配套，一房一价，最新进展等详情咨询）楼盘详情丨价格丨更多优惠丨机不可失丨欢迎致电丨诚邀品鉴！售楼处位置丨特价房丨工抵房丨剩余房源丨户型图丨最新消息丨免责声明：将文章内容综合来源于网络、只作分享，版权归原作者所有！！如有侵权，请联系我们，我们第一时间处理如有问题欢迎来电咨询，专业一对一热情服务，让您用专业眼光去买房。如果您想了解更多楼盘详情，欢迎提前预约拨打又见江南院售楼处电话400-855-8224
A must-learn for buying a house!
买房必学！
32 Core Basic Knowledge Points of Real Estate (2025 Simplified Version)
32 个房地产核心基础知识（2025 精简版）
Mastering these basic real estate knowledge points before buying a house can help you avoid 80% of the pitfalls!
买房前吃透这些房地产基础常识，能帮你避开 80% 的坑！
The following 32 core knowledge points cover key dimensions such as property rights, house types, transaction rules, and loan policies, precisely meeting the needs of home purchase decisions.
以下 32 个核心知识点，涵盖产权、房屋类型、交易规则、贷款政策等关键维度，精准适配购房决策需求。
1. Land use period: The land use period for commercial residential properties is 70 years, while for commercial or mixed-use properties such as apartments and LOfts, it is mostly 40 or 50 years (specifically subject to the land planning use filing).
1.土地使用年限：商品住宅对应的土地使用年限为 70 年，公寓、LOFT 等商业 / 综合属性房源多为 40 年或 50 年（具体以土地规划用途备案为准）。
2. Property attributes and facilities: Apartments, lofts, etc. are mostly of commercial nature. Water and electricity fees are charged according to commercial standards. Most properties are not connected to gas or heating, resulting in relatively high living costs.
2.房屋属性与配套：公寓、LOFT 等多属于商业性质，水费、电费按商业标准收取，多数房源不接通燃气与暖气，居住成本相对较高。
3. Definition of ordinary residential buildings: Residential houses built in accordance with the standards of civilian residences, emphasizing practicality and comfort. High-end properties such as high-end apartments, villas, and resorts do not fall within the category of ordinary residential buildings.
3.普通住宅界定：按民用住宅标准建造的居住用房，强调实用性与舒适性，高级公寓、别墅、度假村等高端物业不属于普通住宅范畴。
4. Characteristics of commercial-residential properties: It is an extension of the SOHO (Working from Home) concept, essentially belonging to residential attributes, but integrating the core hardware of office buildings (such as high-speed Internet and flexible Spaces), supporting a balance between living and light commercial activities.
4.商住住宅特点：是 SOHO（居家办公）理念的延伸，本质属于住宅属性，但融入写字楼核心硬件（如高速网络、灵活空间），支持居住与轻商业活动兼顾。
5. Qualification requirements for purchasing a house: Commercial residential properties are usually subject to purchase restrictions and must meet conditions such as household registration, years of social security/individual income tax payment, etc.
5.购房资格要求：商品住宅通常受限购政策约束，需满足户口、社保 / 个税缴纳年限等条件；
Commercial properties such as apartments and lofts are generally not subject to purchase restrictions and have no qualification requirements.
公寓、LOFT 等商业属性房源一般不限购，无资格限制。
6. Payment and Loan Rules: The minimum down payment ratio for the first purchase of commercial residential properties is 20% to 30%, and the down payment ratio for second and subsequent purchases is even higher. The maximum mortgage term can reach 30 years.
6.付款与贷款规则：商品住宅首套首付比例最低 20%-30%，二套及以上首付比例更高，最长按揭年限可达 30 年；
There is no distinction between first and second homes for apartments and lofts. The down payment ratio is generally 50%, and the maximum mortgage term is only 10 years.
公寓、LOFT 无首套 / 二套区分，首付比例普遍为 50%，按揭最长年限仅 10 年。
7. Criteria for identifying ready-to-move-in properties: For commercial properties where the developer has obtained the "Real Estate Ownership Certificate" (large property Certificate), the developer can immediately handle the move-in and property rights transfer after signing the sales contract. Both the property ownership certificate and the land use certificate (now unified as the real estate ownership certificate) must be present. The core feature is "immediate move-in upon completion".
7.现房认定标准：开发商已办妥《不动产权证书》（大产证）的商品房，签订买卖合同后可立即办理入住与产权过户，需同时具备房产证与土地使用证（现统一为不动产权证），核心特征是 “竣工可直接入住”。
8. Definition of nearly completed housing: The main structure of the house has been capped and completed, but it has not yet passed the completion acceptance. The outline of the buildings in the community, the layout of the housing units, the distance between buildings, etc. are directly visible. It is currently in the stage of interior and exterior decoration and supporting construction.
8.准现房定义：房屋主体已封顶完工，但尚未通过竣工验收，小区楼宇轮廓、户型格局、楼间距等已直观可见，正处于内外装修与配套施工阶段。
It should be noted that nearly completed properties still fall under the category of pre-sale properties. Developers must obtain the "Commodity Housing Pre-sale Permit" before they can be sold and are subject to the relevant policies for pre-sale properties.
需注意：准现房仍属期房范畴，需开发商取得《商品房预售许可证》方可销售，受期房相关政策监管。
9. Core information of pre-sale properties: Refers to commercial housing that is under construction, has not been completed and delivered, and cannot be used immediately.
9.期房核心信息：指处于建设中、未竣工交付、无法立即使用的商品房。
From the time the developer obtains the "Commodity Housing Pre-sale Permit" to the completion of the major property ownership certificate, all the sold properties are pre-sale units, and homebuyers need to sign the "Commodity Housing Pre-sale Contract".
开发商从取得《商品房预售许可证》到办妥大产证期间，销售的房源均为期房，购房者需签订《商品房预售合同》。
Most of the new houses on the market are pre-sale properties. Their advantages are lower prices and a wider range of choices, but they need to bear the risks of long delivery cycles, quality of construction and developers' performance of contracts.
市面上多数新房为前期房，优势是价格较低、选择空间大，但需承担交付周期长、工程质量与开发商履约风险。
10. Standard for roughcast houses: When the developer delivers, only the foundation works are completed. Inside the house, only door frames are reserved (no finished doors), and the walls and floors are only treated with base layers (no putty is applied, no tiles/floors are laid). Homebuyers need to decorate by themselves.
10.毛坯房标准：开发商交付时仅完成基础工程，屋内仅预留门框（无成品门），墙面、地面仅做基层处理（未刮腻子、未铺瓷砖 / 地板），需购房者自行装修。
11. Finished house configuration: The basic decoration has been completed at the time of delivery, specifically including: ① The interior walls are painted with ordinary imitation porcelain paint;
11.成品房配置：交付时已完成基础装修，具体包括：①内墙面刷普通仿瓷涂料；
② The living room floor is tiled with ordinary tiles.
②客厅地面铺设普通瓷砖；
③ Install ordinary aluminum alloy Windows;
③安装普通铝合金窗；
④ Equipped with ordinary plywood doors, it can meet basic living needs.
④配备普通胶合板门，可满足基本居住需求。
12. Classification of building floors and height: According to the "Residential Design Code", floors 1 to 3 are classified as low-rise residences (such as detached villas, semi-detached villas, and townhouses).
12.建筑层数与高度分类：依据《住宅设计规范》，1-3 层为低层住宅（如独栋别墅、双拼别墅、联排别墅）；
Floors 4 to 6 are multi-storey residences (such as townhouses and garden villas).
4-6 层为多层住宅（如叠拼别墅、花园洋房）；
The 7th to 10th floors are classified as mid-to-high-rise residential buildings (commonly known as "small high-rise buildings", and in some cities, buildings below the 18th floor are collectively referred to as small high-rise buildings).
7-10 层为中高层住宅（俗称 “小高层”，部分城市将 18 层以下统称小高层）；
High-rise residential buildings are located around the 11th to 30th floors.
11-30 层左右为高层住宅；
Buildings over 30 floors are classified as super high-rise residences.
30 层以上为超高层住宅。
Among them, small high-rise buildings and high-rise buildings are mostly ordinary residences, while super high-rise buildings are mostly positioned as urban luxury homes.
其中，小高层、高层多为普通住宅，超高层多定位城市豪宅。
13. Category of affordable housing: Policy-based housing provided by the government for families with housing difficulties, featuring "limited construction standards and limited sales prices/rents", including low-rent housing, economically affordable housing, policy-based rental housing, and targeted resettlement housing, etc., complementing market-oriented commercial housing.
13.保障性住房范畴：政府为住房困难家庭提供的政策性住房，具有 “限定建设标准、限定销售价格 / 租金” 特点，包括廉租住房、经济适用住房、政策性租赁住房、定向安置房等，与市场化商品房形成互补。
After meeting specific conditions (such as having been in use for five years), affordable housing can be converted into commercial residential properties and traded on the market.
经济适用房满足特定条件（如满 5 年）后，可转为商品住宅上市交易。
14. The "five certificates" requirements for real estate: The essential qualifications for developers to legally sell their properties, including the "Construction Land Planning Permit", "Construction Project Planning Permit", "Construction Engineering Construction Permit", "State-owned Land Use Certificate", and "Pre-sale Permit for Commercial Housing".
14.房地产 “五证” 要求：开发商合法销售的必备资质，包括《建设用地规划许可证》《建设工程规划许可证》《建筑工程施工许可证》《国有土地使用证》《商品房预售许可证》。
Before obtaining the five certificates, developers are not allowed to carry out formal sales. Some projects will launch "subscription/reservation/reservation" activities (that is, locking the housing units before obtaining the pre-sale permit and signing the contract officially after obtaining the certificate). Such behaviors are not protected by the formal sales policy, and home buyers should be cautious.
未取得五证前，开发商不得开展正式销售，部分项目会推出 “认购 / 认筹 / 预约” 活动（即未获预售证时锁定房源，待取证后正式签约），此类行为不受正式销售政策保护，购房者需谨慎。
15. The role of the "two books" in the real estate sector: To enhance the quality management of commercial housing, the Ministry of Construction requires developers to provide the "Quality Guarantee for New Residential Buildings" (clearly defining the scope and period of warranty) and the "User Manual for New Residential Buildings" (informing of the usage norms and precautions of the house) upon delivery. These are the core documents for safeguarding the rights and interests of home buyers.
15.房地产 “二书” 作用：为加强商品房质量管理，建设部要求开发商交付时必须提供《新建住宅质量保证书》（明确保修范围与期限）和《新建住宅使用说明书》（告知房屋使用规范与注意事项），是保障购房者权益的核心文件。
16. Regional differences in home purchase qualifications: The qualification conditions for home purchase vary from city to city. Local policies should be followed.
16.购房资格地域差异：不同城市的购房资格条件不同，需以当地政策为准。
At present, many places have relaxed purchase restrictions through "talent introduction programs", which is essentially to provide convenience for eligible talents to buy houses. It is advisable to pay close attention to the latest policies released by the local housing and urban-rural development departments.
目前多地通过 “人才引进计划” 放宽限购限制，本质是为符合条件的人才提供购房便利，可重点关注当地住建部门发布的最新政策。
17. Key points of financial planning: Before purchasing a house, it is necessary to clarify the down payment ratio and the monthly mortgage affordability. Based on the family's income and savings situation, reasonably calculate the total cost of purchasing a house (including the house price, taxes and fees, and decoration costs) to avoid excessive financial pressure.
17.资金规划要点：购房前需明确首付比例、月供承受能力，结合家庭收入、存款情况，合理测算总购房成本（含房款、税费、装修费），避免资金压力过大。
18. Logic for analyzing housing purchase demands: First, clarify the core demands - are they for basic needs such as settling down, children's education, and convenient commuting, or for improving living conditions and investment appreciation?
18.购房需求分析逻辑：先明确核心需求 —— 是刚需安家、孩子教育、通勤便利，还是改善居住、投资增值？
The essence of buying a house is to make a balance among factors such as "budget, developer brand, location, surrounding facilities, floor plan design, and property services", and one needs to choose based on their own priorities.
买房本质是在 “资金预算、开发商品牌、地段位置、周边配套、户型设计、物业服务” 等因素中做权衡，需根据自身优先级选择。
19. Explanation of the nature of the deposit of intent: In the relevant laws and regulations of the real estate industry in China, there is no legal concept of "deposit of intent". In essence, such funds are either "deposit" (with guarantee effect, not refunded by the buyer in case of breach of contract, and returned double by the seller in case of breach of contract) or "guarantee deposit" (without guarantee effect, refunded if the transaction fails), which needs to be clearly stipulated in the agreement.
19.意向金性质说明：我国房地产相关法律法规中，无 “意向金” 法定概念，此类款项实质要么是 “定金”（具有担保效力，买方违约不退，卖方违约双倍返还），要么是 “保证金”（无担保效力，交易不成可退还），需在协议中明确约定。
20. Area bonus rules: When purchasing a house, the common bonus areas are mostly balconies. Among them, enclosed balconies should be fully included in the building area based on their actual area, while semi-enclosed balconies should be included in the building area based on 50% of their actual area. The higher the proportion of semi-enclosed balconies, the more cost-effective the actual usable area ratio will be.
20.面积赠送规则：购房时常见的赠送面积多为阳台，其中封闭阳台需按实际面积全额计入建筑面积，半封闭阳台按实际面积的 50% 计入建筑面积，半封闭阳台占比越高，实际得房率越划算。
21. Definition of residential clear height: The vertical distance from the surface of the lower floor (or the upper surface of the floor slab) to the lower surface of the upper floor slab, which is the actual usable height indoors and directly affects the living comfort.
21.住宅净高定义：下层地板表面（或楼板上表面）到上层楼板下表面的垂直距离，是室内实际可使用的高度，直接影响居住舒适度。
22. The meaning of the bay width of a residence: The actual horizontal distance from one wall surface to the opposite wall surface within a house, that is, the "width" of the house, determines the openness and lighting effect of the room.
22.住宅开间含义：房屋内一面墙皮到对面墙皮的水平实际距离，即房屋的 “面宽”，决定房间开阔度与采光效果。
23. Length and depth of residence: The actual horizontal length from the front wall plaster to the back wall plaster of an independent house or a residence. Excessive depth can lead to insufficient lighting in the middle of the room.
23.住宅长度与进深：一间独立房屋或一幢住宅从前墙皮到后墙皮的水平实际长度，进深过大易导致房间中部采光不足。
24. Residential floor height standard: The vertical distance from the lower floor surface (or floor slab surface) to the upper floor slab surface, including the floor slab thickness. The floor height of ordinary residential buildings is mostly 2.8 to 3.0 meters.
24.住宅层高标准：下层地板表面（或楼板表面）到上层楼板表面的垂直距离，包含楼板厚度，普通住宅层高多为 2.8-3.0 米。
25. Personal mortgage repayment methods: Mainly divided into two types - ① Equal principal repayment (the principal repaid each month is fixed, the interest decreases gradually, the monthly payment pressure in the early stage is large, and the total interest is relatively small);
25.个人房贷还款方式：主要分为两种 ——①等额本金还款（每月还款本金固定，利息递减，前期月供压力大，总利息较少）；
② Equal principal and interest repayment (the monthly repayment amount is fixed, which is convenient for planning and budgeting, and the total interest is slightly higher than the equal principal repayment).
②等额本息还款（每月还款金额固定，方便规划预算，总利息略高于等额本金）。
26. First-time home purchase preferential determination: If a spouse has a house under their name and the loan has not been fully repaid, the other party's subsequent purchase will be regarded as a second home and will not be eligible for the preferential policies such as the down payment ratio and loan interest rate for first-time home purchases.
26.首套房优惠认定：若配偶名下有房且贷款未还清，另一方再购房将被认定为二套房，无法享受首套房的首付比例、贷款利率等优惠政策。
27. Apportionable common area: The area of common areas that need to be apportioned jointly by the owners, including:
27.可分摊公用面积：需由业主共同分摊的公共区域面积，包括：
The indoor and outdoor staircases, inner and outer corridors, public lobbies, passageways, elevator shafts, distribution rooms, equipment floors, equipment rooms, structural transfer floors, technical floors, air conditioning machine rooms, fire control rooms, duty guard rooms serving the entire building, garbage chutes within the building, as well as stairwells, elevator machine rooms, water tank rooms, etc. that protrude from the roof and have enclosure structures.
套（单元）门外的室内外楼梯、内外廊、公共门厅、通道、电梯井、配电房、设备层、设备用房、结构转换层、技术层、空调机房、消防控制室、整栋楼服务的值班警卫室、建筑物内垃圾道，以及突出屋面且有围护结构的楼梯间、电梯机房、水箱间等。
28. Non-apportioned common areas: Public areas that do not need to be apportioned by the owners, including: motor vehicle garages, non-motor vehicle garages, public open Spaces, urban public passages, street-front arcades (for public open use), and fire refuge floors in the ground floor elevated level that are used for public purposes.
28.不可分摊公用面积：无需业主分摊的公共区域，包括：底层架空层中作为公共使用的机动车库、非机动车库、公共开放空间、城市公共通道、沿街骑楼（公共开放使用）、消防避难层；
A distribution room serving multiple buildings;
为多栋建筑服务的配电房；
Civil air defense basements, ground-level garages, underground equipment rooms, etc.
人防地下室、地面车库、地下设备用房等。
29. Usable area within the unit: The total net area that can be independently used by the residents within the unit, including the actual usable area of Spaces such as bedrooms, kitchens, bathrooms, corridors, living rooms, inner corridors, balconies, and wall cabinets.
29.套内使用面积：套内住户可独立使用的净面积总和，包括卧室、厨房、卫生间、过厅、起居室、内走道、阳台、壁柜等空间的实际使用面积。
30. The essence of bank Mortgage: "Mortgage" is the Cantonese transliteration of the English word "mortgage" (mortgage), and its official name is "mortgage loan for purchasing a house".
30.银行按揭本质：“按揭” 是英语 “Mortgage”（抵押）的粤语音译，正式名称为 “购房抵押贷款”。
Home buyers use the property rights of the purchased house as collateral. The bank pays the developer the house price in advance, and then the home buyer repays the principal and interest to the bank in installments on a monthly basis.
购房者以所购房屋产权为抵押，银行先行向开发商支付房款，购房者再按月向银行分期偿还本金与利息。
31. Definition of provident fund loan: The full name is "Personal Housing Guarantee Entrusted Loan". It is a loan issued by the urban housing fund management center and its sub-centers using the housing provident fund and entrusting banks to employees who have contributed to the provident fund (including retired employees), for the purchase, construction and major repair of self-occupied housing.
31.公积金贷款定义：全称 “个人住房担保委托贷款”，由城市住房资金管理中心及分中心运用住房公积金，委托银行向缴存公积金的职工（含离退休职工）发放的贷款，用于购买、建造、大修自住住房。
32. Application conditions for housing provident fund loans: The core requirements are "continuous contribution to the housing provident fund for more than 6 months" or "cumulative contribution for more than 1 year", and the applicant must still be making normal contributions at the time of application (subject to the policies of the city where they are located). Different cities have slightly different requirements for contribution years, account balance, etc.
32.公积金贷款申请条件：核心要求为 “连续缴存公积金 6 个月以上” 或 “累计缴存 1 年以上”，且申请时仍在正常缴存（具体以所在城市政策为准），不同城市对缴存年限、账户余额等要求略有差异。
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