楼市蓄力“金九银十” 深圳放宽住房限购政策

Core Viewpoint - Shenzhen has introduced significant policy adjustments to its real estate market, aimed at optimizing housing purchase regulations and personal housing credit policies, which are expected to stimulate market activity and improve housing demand [1][4]. Policy Adjustments - The new policy reduces the scope of housing purchase restrictions, allowing eligible households in specified districts to purchase an unlimited number of homes, while non-residents with less than one year of social insurance or tax payments can buy up to two homes [2][3]. - The policy is set to take effect on September 6, 2025, and applies to various districts, with specific rules for each area [2][3]. Impact on Market Demand - Following the announcement, there was an increase in inquiries and viewings in the Luohu district, although the overall transaction data has not yet shown a significant uptick [2]. - The policy aims to meet the rigid and diverse housing needs of residents, promoting a stable and healthy development of the real estate market [2][4]. Corporate Housing Purchases - Enterprises are now allowed to purchase residential properties in Shenzhen to address employee housing needs, with specific conditions for purchases in certain districts [3]. - This move is intended to encourage investment in Shenzhen and retain financially capable companies, thereby injecting new momentum into the housing market [3][4]. Financial Policy Adjustments - Banks are no longer differentiating between first and second home loans in their interest rate pricing, allowing for more flexible loan conditions based on market rates and individual risk assessments [3][4]. - The Shenzhen government is also revising its housing fund management policies to support housing consumption and improve rental extraction policies [3]. Market Trends - The real estate market is entering a traditional peak sales season, with expectations of increased activity in September and October due to the new policies and heightened developer enthusiasm [5]. - In August, new home sales in Shenzhen saw a decline, with a total of 1,352 units sold, reflecting a 13.4% month-on-month decrease and a 52.8% year-on-year decrease [5]. - The second-hand housing market recorded 5,267 transactions in August, showing a 7.1% month-on-month decline but a 12.8% year-on-year increase, indicating some resilience in the market [6].