公积金新政今起实施！深圳楼市年末“价跌量涨”

Core Viewpoint - Shenzhen has introduced a new regulation for housing provident fund withdrawals, which includes measures for down payment withdrawals, tax payment withdrawals, and support for simultaneous withdrawals and loans, effective from December 15 [1]. Group 1: Housing Market Trends - The Shenzhen housing market is experiencing a "price drop and volume increase" trend, with a recovery in transaction volume amid a backdrop of various market optimization measures [1]. - The market is currently characterized by a "price for volume" strategy, where price adjustments are driving demand, particularly among first-time buyers [9]. - In the first 11 months of this year, both new and second-hand housing transactions in Shenzhen increased, with a total of 111,519 units sold, marking a 12% year-on-year growth and the highest in five years [9]. Group 2: Impact of New Policies - The new housing provident fund regulations allow employees and their family members to withdraw funds for down payments and to pay housing taxes, which is expected to boost enthusiasm among first-time buyers [7][4]. - There has been a noticeable increase in inquiries and applications for housing provident fund loans, indicating heightened interest from potential buyers [5]. - The introduction of these policies is seen as a significant step in supporting housing consumption and improving living standards, with Shenzhen being the first city to explicitly allow provident fund withdrawals for tax payments [7]. Group 3: Market Sentiment and Future Outlook - Market expectations regarding policy optimizations are rising, encouraging previously hesitant buyers to make purchasing decisions, thus amplifying year-end transaction activity [9][8]. - Industry experts suggest that the current policy environment is conducive to stabilizing the real estate market, with a focus on maintaining stable prices and addressing inventory issues [10].