“白名单”项目贷款超过7万亿元 城市房地产融资协调机制持续显效

Core Viewpoint - The establishment of the urban real estate financing coordination mechanism aims to support housing project construction and delivery, ensuring the legitimate rights of homebuyers are protected [1][2][3]. Group 1: Financing Mechanism - The urban real estate financing coordination mechanism has been established to focus on real estate projects rather than companies, creating a new financing model that emphasizes the cash flow capabilities of projects [2]. - As of now, loans for "white list" projects have exceeded 7 trillion yuan, supporting nearly 20 million housing units for construction and delivery, showing a significant increase from earlier figures [3]. - The mechanism has been instrumental in preventing and mitigating real estate risks while promoting the delivery of homes, with over 5 trillion yuan in loan approvals for "white list" projects by the end of 2024 [2]. Group 2: Policy Implementation - The "delivery upon delivery of certificates" initiative has been implemented in over 2,300 counties and cities, enhancing the sense of security and satisfaction among homebuyers by providing property certificates simultaneously with keys [4]. - This initiative, along with the coordination mechanism, aims to protect the legitimate rights of homebuyers and boost confidence in new housing purchases, thereby improving market expectations [4]. - The coordination mechanism effectively isolates risks between enterprises and projects, reducing concerns for homebuyers during new home purchases [4]. Group 3: Future Directions - There is a recommendation for enhanced post-loan cooperation and supervision for "white list" projects to ensure compliance with project progress and funding requirements [5]. - The current demand for development loans has decreased, suggesting that the coordination mechanism could be applied to other loan types such as rental loans, urban renewal loans, and property operation loans [5].