山东官宣：支持住房“以旧换新”

Core Viewpoint - The article discusses the recent issuance of the "Guiding Opinions on Housing 'Old for New'" by the Shandong Provincial Department of Housing and Urban-Rural Development, aimed at stabilizing the real estate market and activating housing consumption potential [1][4]. Summary by Sections Policy Framework - The "Guiding Opinions" consist of 6 parts and 15 specific measures, establishing a comprehensive policy framework to support the "old for new" housing initiative [4]. Replacement Models - Three replacement models are defined: "sell old for new," "collect old for new," and "demolish old for new." The policy encourages real estate agencies to provide "help sell" services and introduces a "bottom-line acquisition" mechanism [4]. Resource Activation - The policy promotes the "micro-renovation + functional upgrade" of old houses to enhance their market competitiveness and supports the conversion of acquired old houses into rental housing [4]. Cost Reduction Measures - Various measures are proposed to lower the costs of house replacement, including encouraging local governments to provide purchase subsidies for residents participating in the "old for new" program [4]. Financial Support - The policy aims to guide financial institutions to innovate specialized financial products, promote group purchasing loans for housing rentals, and optimize the use of housing provident funds [4]. Transaction Process Optimization - The article highlights the need to improve the old house evaluation mechanism and streamline registration services, promoting a "one-stop" service for better user experience [4]. Risk Management - Emphasis is placed on establishing a risk prevention mechanism to ensure the safety of transaction funds and protect the legal rights of all parties involved in the "old for new" transactions [4].