所有买房人都注意！重大会议后，7月更猛的刺激政策要来了

Core Viewpoint - The real estate market is expected to experience a significant shift in August 2025, presenting unprecedented opportunities for homebuyers due to a series of major policy adjustments at both local and national levels [1] Group 1: Local Initiatives - Chengdu has launched a "17 New Policies" initiative, providing direct cash subsidies for down payments and phasing out sales restrictions, significantly enhancing property liquidity [3] - The public housing fund policy has been relaxed, allowing for a reduced down payment ratio and enabling flexible employment individuals to apply for loans after just six months of contributions [3] Group 2: National Policies - Many cities, including Xi'an and Chengdu, have halved down payment requirements, standardizing the down payment for both first and second homes to 15%, easing the financial burden on young buyers [4] - Mortgage rates are expected to drop to historic lows, with first-time home loan rates potentially falling from 3.05% to 2.5%, resulting in substantial monthly savings [4] - Tax incentives have been extended, including full personal income tax refunds for those who sell their old homes and buy new ones within a year [4] Group 3: Additional Subsidies and Relaxations - Cities like Wuhan and Yiwu are increasing home purchase subsidies, with significant financial support for families with multiple children and talent acquisition [5] - Over 30 cities, including Zhengzhou and Nanjing, have lifted restrictions on home purchases, promoting a more favorable environment for buyers [5] Group 4: Targeted Policies - Special policies are being directed towards three key demographics: multi-child families, recent graduates, and those looking to upgrade their living conditions [7][8] - For instance, Shenyang is increasing loan limits for families with three children, while Nanjing is offering rental subsidies for new graduates [8] Group 5: Inventory Management - The government is implementing measures to reduce housing inventory, including issuing special bonds to acquire unsold properties and converting them into affordable housing [11] - Pilot programs for selling existing homes directly are being tested in cities like Zhengzhou to mitigate the risk of unfinished projects [12] Group 6: Quality Standards and Land Supply - New housing quality standards are being enforced, requiring higher energy efficiency and smart home features in residential projects [14] - Land supply will be adjusted based on housing inventory cycles, with stricter controls in cities with excess inventory [15] Group 7: Home Buying Strategies - Homebuyers are advised to consider mixed financing options and government subsidies to maximize their purchasing power [16] - For those looking to upgrade, leveraging the "recognize house not loan" policy can facilitate quicker transactions and better financing terms [16] Conclusion - The anticipated policy changes in August 2025 present a unique opportunity for homebuyers to achieve their housing goals, emphasizing the importance of strategic planning and informed decision-making [18]