国务院保交房政策例行吹风会点评：切实做好保交房工作

Group 1: Central Bank Policies - The central bank has introduced four support measures, including a 300 billion yuan special loan for affordable housing[1] - The minimum down payment ratio for first-time homebuyers has been reduced from 20% to 15%, and for second homes from 30% to 25%[30] - The lower limit on personal housing loan interest rates has been removed, allowing for market-driven rates[11] Group 2: Real Estate Management - The Ministry of Housing and Urban-Rural Development (MHURD) will focus on four areas to ensure housing delivery, including tackling unfinished housing projects and preventing risks of incomplete projects[46] - Local governments are encouraged to purchase unsold inventory for affordable housing, adhering to a "demand-based" principle[28] - The Ministry of Natural Resources is preparing policies to address idle land and promote the utilization of existing land resources[12] Group 3: Financial Support Mechanisms - The Financial Supervision Administration will continue to support financing for ongoing construction projects and ensure their completion[15] - A notification will be released to enhance the urban real estate financing coordination mechanism, ensuring reasonable financing needs are met[34] - Local governments are supported in reclaiming idle land at reasonable prices for affordable housing development[44]