支持房企合理融资需求 房地产融资“白名单”制度持续发力

Core Viewpoint - The Ministry of Housing and Urban-Rural Development emphasizes the continuation of city-specific policies to stabilize the real estate market, support reasonable financing needs of real estate companies, and ensure the delivery of housing projects [1][2]. Group 1: Real Estate Financing Mechanism - The "white list" system for real estate financing has been effective in improving the funding environment for real estate projects, ensuring timely delivery of housing [2]. - As of October 2025, the total loan approval amount for "white list" projects has exceeded 7 trillion yuan, significantly supporting the construction and delivery of commercial housing projects [2]. - The city real estate financing coordination mechanism has been continuously optimized to stabilize the real estate market and support the development of a new model for real estate [3]. Group 2: Challenges and Future Directions - Nearly 60% of respondents in a survey indicated that loan amounts are affected by project cash flow, and about 50% reported slow fund availability and complex processes [2]. - Recommendations for 2026 include expanding the coverage of the financing coordination mechanism, providing targeted support for small and distressed real estate companies, and establishing a unified screening standard for projects [3]. - The need for enhanced communication between government, banks, and enterprises, as well as the exploration of risk-sharing mechanisms and financial innovations, is highlighted for future improvements [3].