专家马光远称：救市，还有这些大招！

Core Viewpoint - The article discusses various strategies proposed by economist Ma Guangyuan to rescue the real estate market in China, emphasizing that there are many potential solutions available. Group 1: Proposed Solutions - The first suggestion is to lower the down payment for home purchases to 10%. Concerns about increased risk to banks are noted, but Ma argues that the creditworthiness of Chinese citizens is relatively high, despite data showing a significant number of overdue credit card accounts and a rising risk of mortgage defaults among families [3][4]. - The second suggestion involves continuing to lower interest rates on mortgages. Ma believes that current mortgage rates are too high and suggests that they could be reduced to around 2%, which would still be relatively high given the current deflationary environment [4][6]. - The third proposal is to ensure that real estate developers do not face a liquidity crisis. Ma emphasizes the need for a public commitment to prevent project delays and to address regulatory failures that have led to issues like unfinished buildings [6][8]. Group 2: Additional Measures - Another idea presented is to offer a price guarantee for homebuyers. If the price of a purchased home decreases within six months, the developer would compensate the buyer for the difference, potentially through a financial product or insurance [8]. - The article critiques Ma's suggestions as lacking originality and practicality, suggesting that if these measures were effective, the current state of the real estate market would not be so dire [10].