楼市9月可能会有4个动作展开，普通购房者需要怎么做？了解一下

Core Viewpoint - The recent Central Economic Work Conference has set a new direction for the real estate market, emphasizing the principle of "housing is for living, not for speculation" and the need for stable and healthy market development [1] Market Status - As of August 2025, the housing price index in 70 major cities has slightly decreased by 0.3% month-on-month and 2.1% year-on-year, indicating ongoing de-inventory pressure in the real estate market [2] - However, first-tier cities and some second-tier hot cities have shown signs of price stabilization and recovery, with second-hand housing transaction volumes in cities like Beijing, Shanghai, Guangzhou, and Shenzhen increasing by 7.8% year-on-year [2] Key Measures in September - Four major initiatives are set to launch in September, which will significantly impact the future trajectory of the real estate market [2] 1. Increased Financial Support - The People's Bank of China and the China Banking and Insurance Regulatory Commission have announced optimized personal housing loan policies, reducing the lower limit for first-time home loan interest rates to 3.4% and for second homes to 3.6% [3] - This adjustment can reduce monthly repayments by approximately 450 yuan and annual interest expenses by over 5,400 yuan for a 3 million yuan property [3] 2. Optimized Housing Provident Fund Policies - New regulations effective from September 15 will raise the maximum loan limits for first-time home buyers to 800,000 yuan and for second homes to 600,000 yuan, while also easing restrictions on cross-city and cross-province withdrawals [6] 3. Enhanced Local Policy Autonomy - The State Council has granted local governments greater autonomy in real estate regulation, allowing them to implement differentiated measures based on local market conditions [9] - As of now, 23 cities have announced new regulatory policies for September, with 15 cities easing purchase and sale restrictions and 8 cities introducing home purchase subsidies [9] 4. Special Action for Project Completion - A special task force has been established to address unfinished real estate projects, with 200 billion yuan allocated to ensure the completion of over 80% of these projects by the end of the year [10] Market Outlook - The real estate market is transitioning from rapid growth to stable development, with a projected average annual sales area of 1.6 billion square meters and sales revenue of 1.7 trillion yuan over the next three years [13] - The fourth quarter is expected to see a moderate recovery, with a predicted 12% increase in transaction volume and a potential 2% rise in prices in first-tier and hot second-tier cities [13] Rational Decision-Making for Buyers - Buyers are advised to make informed decisions based on current policy changes, with first-time buyers encouraged to leverage lower loan rates and subsidies [10][11] - Improvement buyers should focus on cities with strong economic foundations and avoid speculative behavior, while investors should prioritize long-term value rather than short-term gains [11][12]