房地产融资协调机制迎重磅调整，符合条件贷款可展期5年

Core Insights - The latest policy guidance from regulatory authorities allows projects on the "white list" for real estate financing to extend their loans with the original lending bank for an additional five years, providing a significant buffer for real estate clients heavily reliant on loans [1] - This adjustment aligns with previous meetings aimed at stabilizing the real estate market, emphasizing the importance of the financing coordination mechanism [1] - The "white list" system has been highlighted in recent meetings as a means to support reasonable financing needs of real estate companies, with over 7 trillion yuan approved for loans under this mechanism [2] Group 1 - The new policy enables eligible projects on the "white list" to extend loans for up to five years, compared to the previous maximum of two and a half years [1] - The adjustment is seen as beneficial primarily for real estate clients with a high proportion of loans, while having a limited impact on clients with a higher reliance on bond financing [1] - The central economic work conference held in December 2022 emphasized the need to stabilize the real estate market, which is reflected in the new policy [1] Group 2 - The national housing and urban-rural development conference reiterated the importance of the "white list" system in supporting the financing needs of real estate enterprises [2] - Data from the Ministry of Housing and Urban-Rural Development indicates that the loan approval amount for projects on the "white list" has exceeded 7 trillion yuan, ensuring the construction and delivery of commercial housing projects [2]