湖北多地出招进一步激活楼市：购房门槛降至历史低位 补贴加码利率下调

Core Viewpoint - The recent policy adjustments in Hubei's real estate market, including new measures in cities like Xiaogan and Jingmen, aim to invigorate the market and extend the duration of existing policies in Wuhan, thereby enhancing housing consumption and stabilizing the market [1][6]. Group 1: Xiaogan's New Policies - Xiaogan has implemented a new real estate policy effective July 1, which includes 12 measures such as personal home purchase subsidies, enhanced financial support, and promotion of high-quality residential construction [2]. - The home purchase subsidy policy continues to support families with multiple children, talents, model workers, military families, and non-local urban households, with some adjustments made to the subsidies [2]. - Financial policies have been revised to unify the minimum down payment ratio for commercial personal loans to no less than 15%, and the personal housing provident fund loan interest rate has been reduced by 0.25 percentage points [2]. Group 2: Jingmen's Market Stability Measures - Jingmen issued a policy on July 1 to maintain stability in the real estate market, featuring six major areas and nineteen specific measures [5]. - The policy includes a 100% subsidy on the contract tax for residents purchasing underground parking spaces, calculated at 1.2% of the land price for the area [5]. - For new commercial office purchases for non-operational use, individuals can receive a 50% subsidy on the contract tax [5]. Group 3: Wuhan's Policy Extensions - Wuhan's housing authority announced on June 30 an extension of certain real estate policy deadlines until December 31, 2025, including full tax rebates for first-time homebuyers [6]. - The "Han Nine" policies introduced in April have effectively addressed market needs, leading to a significant increase in new home sales, particularly in desirable central urban areas [6]. - The extension of policies is seen as a precise adjustment rather than a mere prolongation, with increased subsidies for first and second homes and a historically low threshold for home purchases [8]. Group 4: Market Response - There has been a notable increase in public interest in property viewings, with sales centers experiencing high foot traffic and consultations [8]. - The combination of new policies is expected to match the needs of first-time buyers and those seeking improved housing, potentially leading to a further release of housing demand as quality properties continue to evolve [8].