中央定调稳楼市，年底前聚焦“四个取消、四个降低、两个增加”

Core Viewpoint - The central government has set a clear direction to stabilize the real estate market, focusing on a "policy combination" of "four cancellations, four reductions, and two increases" before the end of the year, aimed at lowering barriers and boosting confidence for home buyers and sellers [1][8] Group 1: "Four Cancellations" to Ease Restrictions - The "four cancellations" aim to remove various restrictions that previously hindered home buying and selling, allowing reasonable demand to be released smoothly [2] - Key cancellations include the removal of purchase limits, sales restrictions, price limits, and the simplification of residential classifications, which collectively enhance market fluidity and reduce transaction complexities [2][5] - For instance, in cities like Beijing and Hainan, restrictions on non-resident purchases have been lifted, enabling more individuals to qualify for home purchases [2] Group 2: "Four Reductions" to Lower Costs - The "four reductions" target financial burdens associated with home buying, including lowering mortgage rates and down payment requirements, making it easier for first-time buyers to enter the market [5] - The average down payment for first-time home buyers has been reduced to 15%, significantly lowering the initial financial barrier [5] - Tax reductions on property transactions, such as lower deed tax rates for larger homes, further alleviate the financial strain on families looking to upgrade their living situations [5] Group 3: "Two Increases" for Enhanced Security - The "two increases" focus on bolstering market stability and buyer confidence by adding 1 million units for urban village and dilapidated housing renovations, which also supports market demand [6][7] - An increase in the credit scale for "white list" projects to 4 trillion yuan is crucial for ensuring timely delivery of homes, addressing concerns about unfinished properties [7] - The approval of loans for "white list" projects has already reached 2.23 trillion yuan, facilitating the resumption of construction on previously stalled developments [7] Group 4: Market Sentiment and Outlook - The combination of these policies aims to restore the essence of the real estate market, ensuring that housing remains accessible for both first-time buyers and those looking to upgrade [8] - Increased inquiries at real estate agencies and a rise in viewings of second-hand homes indicate a recovering market confidence, with over 50% of industry professionals believing that housing prices will stabilize or rise [8]