北京脱了，自贸港还远吗？海南楼市政策，超全整理！

Core Viewpoint - The recent relaxation of housing purchase restrictions in Hainan is seen as a significant move, indicating a potential shift in the overall real estate market dynamics in China, particularly as it relates to first and second-tier cities [3][4][21]. Policy Changes - Approximately one-third of Hainan's 18 cities and counties have completely lifted purchase and sale restrictions, while key cities like Haikou and Sanya remain under stricter controls [3][4][21]. - The primary focus for Hainan this year is the completion of the Free Trade Port's customs closure, with other policy changes expected to follow [4][21]. Purchase Eligibility - For Hainan residents, the maximum number of properties that can be purchased is two, while families with multiple children can buy up to three [10]. - Non-Hainan residents can purchase up to two properties in certain areas, with some cities offering equal rights to local residents [10][29]. Loan and Financing Policies - The down payment for commercial loans remains at 15% for both first and second homes, while the down payment for public housing loans has been reduced to 20% [20][37]. - Public housing loan interest rates have been lowered, with the rate for first-time buyers with a loan term over five years dropping from 2.85% to 2.6% [20][21]. Housing Supply and Demand - The overall interest in Hainan's real estate market has increased, with a notable rise in inquiries from potential buyers across the country [6][21]. - The government has introduced various housing subsidies, with different amounts allocated based on family status and property size [59][60]. Future Outlook - The expectation is that more favorable policies will continue to emerge as the year progresses, particularly as the Free Trade Port initiative unfolds [21][24]. - The recent policy changes are viewed as a positive sign for the recovery of the housing market, with potential for further easing of restrictions in the future [21][24].