10月楼市四大动作重磅落地，普通购房者该何去何从？

Core Insights - The recent housing market policies aim to alleviate the burdens of homebuyers by relaxing qualification requirements and reducing costs, addressing high entry barriers and financial burdens in the market [3][4][5] Policy Overview - The October policies include a "four cancellations" approach: cancellation of purchase restrictions, sales restrictions, price limits, and differentiation between ordinary and non-ordinary residential standards, with major cities like Beijing, Shanghai, and Guangzhou leading the way [3] - Cost reductions include an average interest rate cut of 0.5 percentage points on existing home loans, potentially saving 1.5 billion residents over 150 billion yuan in interest annually, with specific examples showing significant monthly savings for borrowers [3][4] Supply and Financial Security - The government plans to add 1 million urban village renovation units, with over 60% of compensation provided in cash, which is expected to help absorb existing housing stock [4] - The credit scale for "white list" projects has been expanded to 4 trillion yuan, with 2.23 trillion yuan already approved, ensuring stable funding for qualified projects and reducing the risk of unfinished developments [4] Buyer Strategies - First-time buyers should focus on areas with favorable policies and infrastructure, such as regions outside major city limits, while ensuring to apply for loan adjustments before the end of October [5] - Upgrading homeowners are encouraged to sell their old properties quickly due to the cancellation of sales restrictions, while investors should concentrate on core assets in major urban areas to ensure stable rental returns [5][6]