山东官宣：支持住房“以旧换新”

Core Viewpoint - The Shandong Provincial Department of Housing and Urban-Rural Development has issued guidelines to promote the "old for new" housing exchange program to stabilize the real estate market and stimulate housing consumption potential [1] Group 1: Policy Framework - The guidelines consist of 6 parts and 15 specific measures to support the "old for new" housing exchange [3] - Three models for the exchange are defined: "sell old for new," "collect old for new," and "demolish old for new" [3] - Real estate agencies are encouraged to provide "help sell" services and introduce a "bottom-line purchase" mechanism [3] Group 2: Resource Activation - The guidelines promote "micro-renovation + functional upgrades" for old houses to enhance market competitiveness [3] - Support is provided for the acquisition of old houses for rental housing and the exploration of "storage + management" operational models [3] Group 3: Cost Reduction Measures - Local governments are encouraged to issue housing purchase subsidies for residents participating in the "old for new" program [3] - Real estate developers and intermediaries are guided to offer discounts within legal frameworks [3] Group 4: Financial Support - Financial institutions are encouraged to innovate specialized financial products, including group purchase loans for housing rentals and operational property loans [3] - The guidelines propose optimizing housing provident fund usage policies and allowing eligible "old for new" buyers to reduce the number of times they take out a provident fund loan [3] Group 5: Transaction Process Optimization - The guidelines aim to improve the old house evaluation mechanism and promote diversified evaluation methods [3] - The registration service and online signing process will be optimized, allowing for a "one-stop" service [3] Group 6: Risk Management - A closed supervision mechanism for transaction funds is emphasized to ensure the safety and dedicated use of funds [4]