加大购房补贴力度、支持多子女家庭购房、拓宽住房公积金使用范围等 河南出台“新十二条”支持住房消费

Core Viewpoint - The recent policy measures in Henan aim to support housing consumption, reduce home purchase costs, and promote a stable and healthy development of the real estate market through various government subsidies, corporate discounts, and financial support [1][4]. Group 1: Policy Measures - The "Several Measures to Support Housing Consumption" includes twelve key initiatives designed to optimize existing real estate control measures, focusing on enhancing housing affordability and service quality for residents [1][4]. - The measures will include ongoing real estate exhibitions and sales events, with a target of at least 100 events by the end of 2025, aimed at stimulating market activity and meeting diverse housing needs [2][4]. - Increased purchase subsidies will be available for families buying their first or second new homes between September 1 and December 31, 2025, with existing subsidy policies potentially extended [2][3]. Group 2: Financial Support and Housing Fund - The policy allows for a 10% increase in the personal housing loan limit from the housing provident fund, with the maximum loan amount not exceeding the difference between the total purchase price and the down payment [3]. - Financial institutions are encouraged to innovate housing credit models to better serve young people and those without homes, including the use of housing provident fund returns to acquire existing homes for public rental [3][4]. Group 3: Quality Housing Development - The measures emphasize the construction of high-quality housing, mandating compliance with residential project standards and green building requirements for new real estate developments [3]. - There is a focus on ensuring that new developments are accompanied by adequate infrastructure and amenities, enhancing the overall living conditions for residents [3][4].