创新贷款产品，烟台推出“三低一宽”青年住房贷

Core Viewpoint - Yantai City is implementing a series of policies to stimulate the real estate market, focusing on financial support, land supply, and project development to enhance market vitality and ensure steady growth in the sector [1] Group 1: Policy Measures - The Yantai government has introduced 25 measures across eight areas including land supply, project development, financial support, and market regulation to promote a stable real estate market [1] - A "white list" for real estate companies will be established to facilitate financing, ensuring that quality developers have access to necessary funds [1] Group 2: Financial Support - The down payment ratio for second homes using public housing funds has been reduced to 20%, while the interest rate for first-time home loans over five years has decreased to 2.6% [1] - High-level talent and families with multiple children can borrow up to 1.6 million yuan, with the option to use public funds for down payments or loan repayments [1] Group 3: Innovative Loan Products - New loan products have been introduced, including a "three lows and one wide" youth housing loan with low down payments, low interest rates, low thresholds, and flexible terms [1] - A combined "mortgage + renovation loan" product is being promoted, allowing up to 3 million yuan for home decoration [1]