鱼眼·探问丨商品房预售制加速退场？信阳全国首推现房销售，“所见即所得”渐成主流

Core Viewpoint - The increasing call for the cancellation of the pre-sale system in the real estate market is driven by issues such as quality problems, financial risks for developers, and the need for a shift towards selling completed properties instead of pre-sales [1][8][9]. Group 1: Current Trends in Real Estate Sales - Over 30 provinces and cities in China have introduced policies for selling completed properties since 2022, with significant support measures like tax subsidies and increased loan limits [3][12]. - Xinyang, Henan Province, has become the first city in 2023 to implement a comprehensive policy mandating that all new land developments must sell completed properties [3][7]. - The new measures aim to tighten pre-sale permissions, regulate pre-sale funds, and ensure project quality, reflecting a shift towards a more stable real estate market [7][12]. Group 2: Risks and Challenges of the Pre-sale System - The pre-sale system, established in the 1990s, has led to rapid industry growth but has also exposed significant risks, including financial mismanagement by developers and potential project failures [8][9]. - Issues such as delayed delivery, quality discrepancies, and the risk of properties being sold multiple times have raised concerns among buyers [8][9]. - The financial instability caused by the reliance on pre-sale funds has implications for the broader financial system, potentially affecting banks and local governments [9][12]. Group 3: Future Outlook for Real Estate Sales - The trend towards selling completed properties is expected to continue, with a projected increase in the share of completed property sales, reaching approximately 30.84% in 2024 [12]. - Experts believe that this shift will not only reduce risks for buyers but also encourage developers to focus on quality and financial management, moving away from high-leverage operations [12][13]. - The implementation of completed property sales is seen as a crucial step towards creating a sustainable and low-risk real estate market, aligning with future development trends [13][14].