公积金新政实施！深圳楼市年末“价跌量涨”

Core Insights - Shenzhen has introduced a new regulation for housing provident fund withdrawals, allowing for down payment and tax payment withdrawals, effective from December 15 [1][4] - The Shenzhen real estate market is experiencing a "price drop, volume increase" trend, with a notable rise in transaction volumes despite ongoing price adjustments [1][5] Group 1: Policy Changes - The new regulation allows employees and their family members to withdraw housing provident funds for down payments before full payment is made [4] - The regulation also permits withdrawals for paying taxes related to the purchase of the first or second home, marking a significant policy shift in supporting housing consumption [4] Group 2: Market Trends - In the first 11 months of the year, both new and second-hand housing transactions in Shenzhen increased by 12% year-on-year, reaching a total of 111,519 units, the highest in five years [5] - The market is currently characterized by a trend of "price for volume," where price reductions by sellers are driving demand, particularly for first-time buyers [5] Group 3: Consumer Behavior - There has been a noticeable increase in inquiries and applications for housing provident fund loans, indicating heightened interest from potential buyers [4] - Recent market rumors regarding potential policy changes, such as interest subsidies for new personal housing loans and reduced transaction taxes, have further stimulated buyer interest [5][6] Group 4: Future Outlook - Experts suggest that the central government's focus on stabilizing the real estate market will require more robust policies to be effective by 2026, addressing both supply and demand dynamics [6] - The emphasis on local policies to manage inventory and promote affordable housing indicates ongoing adjustments in the market to stabilize prices [6]