2026，房地产要下猛药了！辽宁新年第一会今日召开！|栋察楼市早报（1.4）

Market Insights - The article emphasizes that in 2026, significant measures will be taken to stabilize the real estate market, moving away from incremental policies to more decisive actions [6][10][12] - The commentary from the authoritative publication indicates a major shift in the government's stance on real estate, recognizing its financial attributes and importance to the national economy [3][6] Policy Changes - The article outlines three key points that reflect a reversal of negative perceptions about the real estate sector: acknowledgment of real estate as a financial asset, its role in the national economy, and the need for effective management of market expectations [5][6] - The government recognizes that housing is the most significant asset for ordinary families, and further declines in housing prices could impact social stability [9] Financial Implications - The article mentions that the concentration of household wealth in real estate ranges from 59.1% to 77.2%, significantly higher than the 20% in financial assets [7] - It is anticipated that interest rates on housing loans will decrease, with the latest rates potentially dropping to 3.05% for first-time homebuyers [18][19] Economic Initiatives - The article discusses the launch of a consumption subsidy program in Liaoning, with over 12 million yuan allocated on the first day, aimed at stimulating consumer spending through various categories including home appliances and vehicles [28][29] - The program is expected to benefit over 20,000 consumers, with a total subsidy fund of 1,223 million yuan on the first day [28] Digital Currency Developments - Starting January 1, 2026, digital yuan wallets will earn interest, marking a transition from a cash-based system to a deposit currency model [33][34] - This change is expected to enhance user engagement with digital yuan and expand its application scenarios, solidifying China's leadership in central bank digital currency initiatives [34][41]