烟台明年1月1日起试行住房“以旧换新”政策，发放补贴总额过亿

Core Viewpoint - Yantai City has launched a housing "old for new" program aimed at optimizing housing consumption policies, effective from January 1, 2026, to December 31, 2026, to facilitate residents in upgrading their homes [1] Implementation Model - The "old for new" program follows a market-oriented principle, allowing residents to sell old homes and purchase new ones through optimized processes and policy support [3] - Two modes are defined for the "old for new" model: 1. Real estate developers as the old home buyers, acquiring second-hand homes and selling new properties [3] 2. Third-party enterprises as buyers, facilitating transactions with developers [3] - The "sell old buy new" model includes: 1. Residents selling their old homes independently [3] 2. Utilizing intermediary agencies for the sale [3] Scope of Implementation - The program specifies that the second-hand homes must be legally constructed on state-owned land, with clear property rights and no transaction restrictions, and should not exceed 25 years in age [5] - The new homes must be legally sellable within Yantai and free from transaction restrictions [5] Process and Platform - Yantai has established a comprehensive process from information release to property registration, including an online platform for policy interpretation and application procedures [6] Financial Support - The government will provide a subsidy of 1% on the price difference between new and second-hand homes, capped at 30,000 yuan, with a total subsidy budget of 60 million yuan [7] - Additional subsidies include 20,000 yuan vouchers for group purchases and 10,000 yuan for multi-child families, with a total budget of 4 million and 1.5 million yuan respectively [7] Cost Reduction for Enterprises - Financial institutions will support enterprises acquiring second-hand homes for long-term rental with loans up to 25 years at around 3% interest [8] - Yantai will allocate 30 million yuan for interest subsidies on these loans [8] - Various measures will be implemented to alleviate the financial burden on homebuyers, including expanding the scope of housing fund withdrawals and increasing loan limits [8]