2026买房迎多重红利！中介规范+成本大降，置业更省心

Core Viewpoint - The real estate market in 2026 is set to benefit from multiple new policies aimed at reducing costs and increasing transparency for homebuyers, making the home buying process more straightforward and less stressful [1] Group 1: Regulation of Real Estate Agencies - New regulations from the Ministry of Housing and Urban-Rural Development and the State Administration for Market Regulation will enforce transparency in real estate agency fees, separating basic services from optional services [3] - Agencies will be required to display clear pricing for their services and provide a detailed fee list for buyers to confirm before payment, eliminating hidden charges [3] - The regulations will also require real estate agents to register and wear identification badges, reducing the prevalence of "black agencies" [3] Group 2: Reduction in Buying Costs - Starting January 1, 2026, the interest rates for existing housing provident fund loans will be reduced by 25 basis points, with the first home rate dropping to 2.6% and the second home rate to 3.075% [4] - The new policies will also lower the value-added tax on properties sold within two years from 5% to 3%, and properties sold after two years will be exempt from this tax, benefiting both buyers and sellers [4] Group 3: Streamlined Transaction Processes - Over 30 cities have launched official real estate transaction platforms to verify property information, reducing the risk of fraud and allowing direct communication between buyers and sellers [5] - Transaction funds will be placed in a regulated account, ensuring that payments are only released to sellers after the transfer of ownership is completed, enhancing security for buyers [6] Group 4: Transparency in Shared Areas - More than 20 provinces and cities will implement pricing based on usable area rather than total construction area, with limits on shared area percentages set at 15% for low-rise buildings and 25% for high-rise buildings [7] - This change will increase the usable space for buyers and clarify property pricing, reducing the confusion associated with shared area calculations [7]