湖南一地，发布“房十条”新政

Core Viewpoint - The new real estate policy in Changsha County, Hunan Province, aims to inject a "strong dose" of support into the local housing market through ten measures focused on stimulating housing consumption, boosting investment confidence, and strengthening element guarantees [1][2]. Group 1: Stimulating Housing Consumption - The policy increases financial service support, raising the housing loan limit and expanding coverage to flexible employment individuals, while also supporting intercity housing purchases and diversifying fund withdrawal methods [3]. - It offers financial subsidies to homebuyers with good credit and lowers approval thresholds, creating a fast track for housing mortgage loans [3]. - The initiative includes financial incentives for teachers, medical staff, industrial workers, and new residents, as well as rewards for outstanding real estate marketing teams [3]. - Policies are in place to facilitate residency and schooling for homebuyers, and owners of non-residential properties meeting certain criteria can access residential water pricing [3]. Group 2: Boosting Investment Confidence - The policy prioritizes the supply of quality land, ensuring strict execution of "familiar land" and "clean land" supply, while optimizing land parcel conditions [4]. - It allows for a minimum deposit of 20% for land bidding and permits installment payments for land purchase prices, aiming to enhance market transparency and reduce land auction failures [4]. - Real estate companies are encouraged to adhere to "good housing" technical standards and can adjust plans for previously approved but unbuilt properties [4]. - The initiative supports the acquisition of new and existing properties by state-owned enterprises or social capital for use as affordable housing and other community needs [4]. Group 3: Strengthening Element Guarantees - The policy aims to improve efficiency in the approval process for planning, design, pre-sale, and acceptance of real estate projects [6]. - A "project manager" will be assigned to real estate development projects to provide comprehensive assistance from planning to completion [6]. - Financial institutions that effectively support real estate project financing will receive differentiated incentives, while well-performing developers will benefit from relaxed conditions in land sales and financial policies [6].