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分批取消住房限售政策,降低二套房公积金贷款首付比例……成都发布17条楼市新政
证券时报·2025-07-21 10:15

Core Viewpoint - Chengdu has introduced 17 new real estate policies aimed at stabilizing the housing market and promoting healthy development, marking the first detailed local policy since the Central Urban Work Conference [1][3][10]. Group 1: Policy Measures - The new policies include a phased cancellation of housing sales restrictions, allowing properties purchased before October 14, 2024, to be traded after obtaining property certificates starting from July 21, 2025 [3][7]. - The minimum down payment ratio for second home public housing fund loans has been reduced from 30% to 20% [5][10]. - The policies encourage local districts to implement direct subsidies for home purchase down payments and optimize existing real estate support policies [3][4]. Group 2: Market Impact - The phased approach to lifting sales restrictions is designed to activate the existing housing market while ensuring fairness and preventing speculative behavior [7][8]. - The introduction of direct subsidies for down payments is seen as a financial innovation that will enhance the ability to gather funds for home purchases and stimulate demand [9][10]. - The policies are expected to lower transaction costs for buyers, expand their choices, and address pain points in housing demand, providing effective support for the stable and healthy development of Chengdu's real estate market [10]. Group 3: Housing Fund Utilization - The policies expand the scope of public housing fund usage, allowing for the extraction of funds for the renovation of old elevators in residential complexes [5]. - The age limit for flexible employment individuals participating in the housing fund system has been raised to the legal retirement age, and the minimum contribution period for loan applications has been reduced from 12 months to 6 months [5].