重磅落下！深圳楼市大松绑，800万二套房贷利息可省51万

Core Viewpoint - Shenzhen's new real estate policy, released on September 5, aims to stimulate the sluggish housing market through significant adjustments in purchase restrictions, corporate buying policies, and mortgage interest rates, surpassing expectations compared to recent policies in Beijing and Shanghai [1][2][8]. Purchase Restriction Policy Optimization - The purchase restriction policy has been optimized with four key changes: 1. The restricted areas for local residents have been reduced to include only Futian, Nanshan, and Bao'an New An Street [1]. 2. Non-local residents can purchase two homes in non-restricted areas without needing proof of tax or social security contributions [1]. 3. In Yantian District and Dapeng New District, there will be no qualification checks for purchasing residential properties, effectively lifting restrictions [2]. 4. Single individuals can now purchase an additional property, equating their purchasing capacity to that of families [2]. Corporate Buying Policy Relaxation - The new policy allows companies to purchase properties more freely, requiring only a one-year establishment period, a total tax payment of 1 million RMB, and a minimum of 10 employees to qualify for purchases in restricted areas, with no limits on the number of properties [3][5]. - This is expected to encourage investment in Shenzhen and stimulate demand in the housing market, particularly in areas with a high concentration of businesses [3]. Mortgage Rate Mechanism Adjustment - The mortgage interest rate mechanism has been adjusted, eliminating the distinction between first and second home loans. Both types will now have a rate of LPR - 45 basis points (3.05%) [5][6]. - This change is projected to save approximately 510,000 RMB in interest for a second home loan of 8 million RMB over 30 years, significantly benefiting buyers looking to upgrade their homes [6]. Expected Policy Effects - The new policy is anticipated to drive market activity, particularly in non-core areas, with expectations of a transaction volume increase of over 40% and at least 30% of demand coming from new buyers [8][9]. - The timing of the policy coincides with the traditional peak sales period ("Golden September and Silver October"), which is likely to enhance market confidence and stimulate transactions [8][9]. - The relaxation of restrictions may attract buyers from surrounding regions, potentially leading to a "siphoning effect" on the housing market in the Greater Shenzhen area [9].