长春送出金秋购房“大礼包”！贴息+消费券，激活楼市，谁受益？

Core Viewpoint - Changchun's new housing subsidy policy aims to stimulate housing consumption and promote the stable development of the local real estate market through targeted support for different buyer groups [1][11]. Group 1: Policy Core Content - The subsidy policy features a dual-track approach, offering interest subsidies for loan buyers and cash vouchers for those making one-time payments [3]. - Loan buyers can enjoy a 1% interest subsidy on the initial loan amount, capped at 10,000 yuan per year for a maximum of three years [3]. Group 2: Incentives for One-Time Payment - Buyers who pay in full can receive a housing consumption voucher worth 15,000 yuan per unit during the promotional period [5]. - The policy includes a detailed process for voucher application and redemption to ensure smooth implementation [5]. Group 3: Policy Scope and Limitations - The subsidy applies only to newly built residential properties, excluding unregistered projects, second-hand homes, and commercial properties [7]. - Specific districts and areas, such as Dongyang District and Jiutai District, are excluded from the policy's applicability [7]. Group 4: Policy Execution Details - For the loan interest subsidy, eligible buyers do not need to apply actively; they can enjoy the benefit upon completing mortgage registration [9]. - The registration deadline for mortgage registration is extended to November 30, 2025, providing a more flexible timeline for buyers [9]. - One-time payment buyers must register and follow the process via the "Changchun Housing Rental" WeChat account to obtain their vouchers [9]. Group 5: Market Impact - The policy is expected to boost transaction volumes in the short term and attract hesitant buyers into the market [11]. - The targeted and categorized subsidy approach is seen as a more effective resource allocation strategy compared to broad measures [11].