利好频出 2026年中国楼市开局“步稳”

Group 1 - The Chinese real estate market is experiencing a positive start in 2026, supported by several favorable policies including reduced down payment requirements for commercial properties and lower mortgage rates for existing loans [1][4] - The People's Bank of China has lowered the minimum down payment for commercial property loans to 30%, down from previous requirements of 50% or higher, aiming to stimulate the commercial real estate market and reduce inventory [1][2] - The extension of tax incentives for homebuyers, allowing for a tax refund on personal income tax for those selling and repurchasing homes within a year, is expected to stabilize market expectations and lower costs for families looking to upgrade their housing [2][3] Group 2 - The reduction in mortgage rates for existing housing loans, including a 0.25 percentage point cut in housing provident fund loan rates, is set to lower borrowing costs for homeowners and stimulate demand in the housing market [4] - Local governments are also implementing supportive measures, such as increasing loan limits for families with multiple children and veterans, which further enhances the accessibility of housing finance [4] - Recent data indicates a steady recovery in housing transactions in major cities like Beijing, Shanghai, and Shenzhen, with a notable increase in the average price index for second-hand residential properties [4]