山东放大招：全面支持住房“以旧换新”，明确“卖旧换新”“收旧换新”“拆旧换新”三种模式

Core Viewpoint - The Shandong Provincial Department of Housing and Urban-Rural Development has issued guidelines for a "housing exchange" policy aimed at stimulating housing consumption and stabilizing the real estate market [1][6]. Group 1: Exchange Models - The guidelines propose three exchange models: "sell old for new," "collect old for new," and "demolish old for new" [4][7]. - The "sell old for new" model supports real estate agencies in facilitating the sale of old homes, with provisions for unsold properties [4][7]. - The "collect old for new" model encourages various entities to acquire second-hand homes based on market principles, with government involvement in some cases [4][7]. - The "demolish old for new" model allows for the replacement of old housing with new constructions, provided they meet planning and safety requirements [4][7]. Group 2: Disposal Pathways - The guidelines encourage the "renovation and resale" of old homes through minor modifications and functional upgrades to enhance market competitiveness [8]. - There is support for converting acquired homes into rental properties, promoting a "storage + management" operational model [8]. Group 3: Cost Reduction - The guidelines advocate for local governments to provide "exchange" subsidies to residents selling their homes and purchasing new ones, stimulating diverse housing improvement demands [8]. - Real estate companies are encouraged to offer discounts to home exchangers and for intermediaries to reduce service fees [8]. Group 4: Financial Support - The guidelines call for banks to develop specialized financial products to support the "housing exchange" initiative [5][9]. - The use of housing provident funds is to be expanded, allowing for more flexible financing options for home exchangers [5][9]. - The guidelines also suggest utilizing operational property loans for renovation and maintenance of acquired properties [9]. Group 5: Transaction Process Optimization - The guidelines propose a streamlined process for old home evaluations, new home selections, loan approvals, and contract signings to minimize bureaucratic hurdles for residents [9][10]. - A "one-stop" service model is encouraged to facilitate various transaction stages, enhancing overall efficiency [9][10]. - The guidelines allow for the signing of new home contracts before the completion of old home transfers, enabling residents to benefit from tax rebate policies [9][10].