2025下半年楼市变局已定！中央拍板四大动作，购房者应对指南

Core Viewpoint - The Chinese real estate market is experiencing a "rescue storm" in the second half of 2025, driven by a series of significant central government policies aimed at restoring market confidence, stabilizing housing prices, and enhancing the living experience for homebuyers [1] Group 1: Central Bank Policies - The central bank has expanded the "white list" special loans to 8.5 trillion yuan, significantly lowering financing costs for real estate companies and stabilizing market expectations [3] - The reduction in existing mortgage rates to 3.09% alleviates repayment pressure for homebuyers, while the risk of project delays is reduced due to improved funding conditions for developers [3][11] - Homebuyers are advised to carefully assess developers' financial health and reputation before purchasing pre-sale properties [3] Group 2: Demand-side Policy Adjustments - Demand-side policies have been significantly relaxed, with cities like Xi'an and Yancheng lowering mortgage down payment ratios to 15%, stimulating market demand [4] - Additional incentives include tax reductions and subsidies, such as a 1% VAT rebate for families selling old homes to buy new ones in Wuhan, and up to 50,000 yuan in housing vouchers for families with multiple children in Wuxi [4][5] - Homebuyers are encouraged to understand local policies and choose properties in well-connected areas with good amenities [5] Group 3: Housing Quality Standards - The Ministry of Housing has established new standards for "good houses," focusing on green building, smart home technology, and accessibility features [6] - The standards require energy efficiency rates of over 65% for green buildings and 80% coverage for smart home features, enhancing overall housing quality [6] - Homebuyers should verify if properties meet these standards to ensure long-term value and comfort [6] Group 4: Liquidity and Financing - The central bank's decision to cut the reserve requirement ratio by 0.5 percentage points releases approximately 1 trillion yuan in long-term liquidity, benefiting both real estate companies and homebuyers [9] - Increased lending from commercial banks will ease financing pressures for developers and streamline loan approval processes for buyers [11] - Homebuyers are advised to take advantage of lower interest rates and compare loan options from different banks to find the best terms [13]