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, which includes measures for down payment withdrawals, tax payment withdrawals, and support for simultaneous withdrawals and loans, effective from December 15 [1] Group 1: Housing Market Trends - The Shenzhen housing market is experiencing a "price drop and volume increase" trend, with a recovery in transaction volume amid ongoing price adjustments [1][9] - In the first 11 months of this year, both new and second-hand housing transactions in Shenzhen increased, with a total of 111,519 transactions, marking a 12% year-on-year growth and the highest in five years [9] - The market is currently characterized by a "price for volume" strategy, where price reductions by sellers are driving demand from first-time buyers [9] Group 2: Impact of New Policies - The new housing provident fund regulations allow employees and their family members to withdraw funds for down payments and tax payments when purchasing homes in Shenzhen [6][7] - The introduction of these measures is expected to boost enthusiasm among first-time homebuyers, although the luxury market remains active [4][6] - There is a growing expectation among market participants regarding further policy optimizations, which is influencing buyer behavior and accelerating decision-making [8][9] Group 3: Market Sentiment and Future Outlook - Recent increases in inquiries and applications for housing provident fund loans indicate heightened interest from potential buyers [6] - Industry experts suggest that the current policy environment may provide room for further adjustments, particularly in reducing housing transaction taxes [10] - Looking ahead to 2026, there is an emphasis on stabilizing the real estate market, with policies aimed at controlling supply and demand dynamics to address current price instability [10]