6大方面15条措施，山东出新政支持3种模式“以旧换新”

Core Viewpoint - The Shandong provincial government has issued guidelines to promote housing "old-for-new" exchanges, aiming to stimulate housing consumption and improve transaction channels for new and second-hand homes [1]. Group 1: Three "Exchange" Models - Encourage "Sell Old for New": Real estate agencies will facilitate the sale of old homes and assist buyers in purchasing new homes through a tripartite agreement, with provisions for buyback or refund if the old home does not sell within the agreed timeframe [3]. - Guide "Collect Old for New": Various entities are encouraged to acquire second-hand homes based on market principles, with government-led initiatives involving state-owned enterprises to purchase homes for rental or resale purposes [4]. - Explore "Demolish Old for New": Cities are encouraged to update urban planning to allow for the replacement of old housing, with policies to support infrastructure and public services while respecting community preferences [5]. Group 2: Two Disposal Approaches - Encourage "Renewal" of Old Homes: The use of "micro-renovation + functional upgrade" strategies is promoted to enhance the quality and marketability of old homes [6]. - Support for Rental Housing Development: Various market entities are encouraged to convert acquired homes into rental properties, exploring innovative management models [6]. Group 3: Cost Reduction Collaboration - Increase Subsidies for "Old-for-New" Purchases: Local governments are encouraged to provide financial incentives for individuals selling their homes to buy new ones, stimulating diverse housing improvement demands [6]. - Encourage Enterprises to Offer Discounts: Real estate companies are urged to provide benefits to homebuyers and reduce service fees through intermediaries [6]. Group 4: Financial Service Enhancements - Launch Financial Support Products: Financial institutions are encouraged to develop specialized products for acquiring old homes, supporting the "old-for-new" initiative [8]. - Expand Housing Provident Fund Usage: New policies will allow for easier access to loans for "old-for-new" buyers, improving transaction efficiency [8]. - Utilize Operating Property Loans: Real estate companies can use operational properties as collateral for loans to fund renovations or maintenance [8]. Group 5: Transaction Process and Service Optimization - Improve Old Home Assessment Services: Local governments are tasked with creating standardized assessment criteria for second-hand homes to support transactions [9]. - Promote Diverse Assessment Methods: The introduction of blind assessments and multi-agency evaluations aims to ensure fair pricing in the second-hand home market [9]. - Optimize "Old-for-New" Registration Services: A one-stop service model will be encouraged to streamline the process for buyers, from assessment to registration [9]. Group 6: Risk Control Mechanisms - Strengthen Closed Monitoring of Transaction Funds: Local governments will enhance the supervision of transaction funds to ensure timely and appropriate allocation according to contractual agreements [10].