宁夏银川优化楼市支持政策 护航市场平稳健康发展

Core Viewpoint - Yinchuan has implemented measures to promote the stable and healthy development of the real estate market, effective until December 31, 2027, focusing on land supply, housing quality, and financial support for homebuyers [1][2]. Group 1: Land Supply and Housing Quality - A dynamic adjustment mechanism for residential land assessment prices has been established, allowing for phased payment of land transfer fees and clarifying conditions for "mortgage transfer" to revitalize idle land and stalled projects [1]. - Housing quality enhancement is a key initiative, with plans to optimize residential community design standards and promote the construction of age-friendly and child-friendly facilities, alongside developing evaluation guidelines for quality housing [1]. Group 2: Financial Support and Housing Policies - For families with multiple children, the maximum loan amount from the housing fund can increase by 300,000 yuan, while veterans can access loans without account balance restrictions, with a 20% increase [1]. - The city will broaden loan application qualifications and usage, extend loan terms to 63 years for women and 68 years for men, and optimize the "commercial to public" mechanism to alleviate monthly payment burdens [1]. Group 3: Rental Housing and Rights Protection - Yinchuan aims to accelerate the collection of affordable rental housing to cover all urban residents, prioritizing large allocations for families with multiple children [2]. - New policies will allow homebuyers to choose their household registration benefits, retain land use rights, and implement "online signing and registration" for immediate residency and school enrollment [2]. - From 2026, new commercial housing will be delivered with property certificates, and all real estate procedures will be available online, alongside strict measures against false advertising and price manipulation [2].