住房“以旧换新”！山东，放大招

Core Viewpoint - Shandong Province has issued guidelines to promote a "trade-in" model for housing, aiming to stimulate housing consumption and stabilize the real estate market [1][5]. Group 1: "Trade-in" Models - The guidelines propose three models for the "trade-in" process: 1. "Sell Old for New" model, allowing real estate agencies to facilitate the sale of old homes and purchase of new ones, with a safety net for unsold properties [3][6]. 2. "Collect Old for New" model, encouraging various entities to acquire second-hand homes based on market principles, with government involvement in some cases [3][6]. 3. "Demolish Old for New" model, promoting the replacement of old housing with new constructions while allowing for the addition of public facilities without counting towards the floor area ratio [3][6]. Group 2: Disposal Pathways - The guidelines encourage the renovation and resale of old homes through "micro-renovation and functional upgrades" to enhance their marketability [7]. - Support is provided for converting acquired homes into rental properties, with a focus on innovative management models [7]. Group 3: Cost Reduction for Trade-ins - Local governments are encouraged to provide "trade-in" subsidies to residents selling their homes and purchasing new ones, aimed at stimulating diverse housing needs [7]. - Real estate companies are urged to offer discounts to homebuyers participating in the trade-in program [7]. Group 4: Financial Support - Financial institutions are encouraged to develop specialized financial products to support the acquisition of old homes, facilitating the "trade-in" process [8]. - The guidelines propose expanding the use of housing provident funds and allowing for "mortgage transfer" to enhance transaction efficiency [8]. Group 5: Transaction Process Optimization - The guidelines call for the establishment of unified standards for second-hand home price assessments to support transactions [8]. - A "one-stop" service model is recommended for various transaction stages, including evaluation, loan approval, and tax payment [8]. Group 6: Risk Control Mechanisms - Enhanced supervision of transaction funds is emphasized to ensure timely and appropriate fund allocation according to contractual agreements [9].