公积金新政今起实施！深圳楼市年末“价跌量涨”

Core Viewpoint - Shenzhen has introduced a new regulation for housing provident fund withdrawals, effective from December 15, which includes measures for down payment withdrawals, tax payment withdrawals, and support for "both withdrawal and loan" [1][3] Group 1: Housing Market Trends - The Shenzhen housing market is experiencing a "price drop and volume increase" trend towards the end of the year, driven by a series of market optimization measures [1] - In the first 11 months of this year, both new and second-hand housing transaction volumes in Shenzhen increased, with a total of 111,519 transactions, marking a 12% year-on-year growth and the highest in nearly five years [4] - The current market logic is characterized by "price for volume," where price adjustments are the main driver for demand release among first-time buyers [4] Group 2: Impact of New Policies - The new regulation allows employees and their family members to withdraw housing provident funds for down payments and to pay taxes related to home purchases, which is expected to boost enthusiasm among first-time buyers [3] - There has been a noticeable increase in inquiries and applications for housing provident fund loans, indicating heightened interest from potential buyers in response to the new policy [2][3] Group 3: Market Sentiment and Future Outlook - Market expectations for policy optimization are rising, with recent rumors about potential further easing measures, such as interest subsidies on new personal housing loans and tax reductions on housing transactions [4][5] - Industry experts suggest that the current focus on stabilizing the real estate market will require intensified policy efforts to achieve effective results by 2026, addressing issues related to new housing inventory and second-hand housing listings [5][6]