15条新政打通住房“以旧换新”堵点

Core Viewpoint - The Shandong Provincial Department of Housing and Urban-Rural Development has released guidelines to facilitate the "old-for-new" housing exchange, aiming to alleviate financial pressure and streamline the process for homeowners looking to upgrade their residences [1][8]. Group 1: Exchange Models - The guidelines propose three exchange models: "selling old for new," "collecting old for new," and "demolishing old for new," each with specific implementation strategies [2][3]. - The "selling old for new" model allows real estate agencies to assist in selling old homes, ensuring buyers can purchase new homes within a set timeframe [2][8]. - The "collecting old for new" model encourages various entities to acquire second-hand homes, promoting renovation and rental housing development [3][4]. Group 2: Financial Support and Cost Reduction - The guidelines introduce financial support measures, including innovative financial products and loans for housing rental purchases [3][4]. - To reduce transaction costs, the guidelines suggest increasing subsidies for homeowners who sell their properties to buy new ones, and encouraging real estate companies to offer discounts [4][5]. - The implementation of a "mortgage transfer" service for second-hand homes allows buyers to transfer existing mortgages directly, reducing financial burdens and transaction times [5][6]. Group 3: Transaction Process Optimization - The guidelines aim to streamline the transaction process by allowing buyers to sign contracts for new homes before selling their old ones, thus easing financial pressure [7][8]. - A unified pricing assessment mechanism for second-hand homes will be established to ensure fair and transparent pricing [9]. - The guidelines promote a "one-stop" service model to enhance the customer experience, minimizing the need for multiple visits and inquiries [9].