优化公积金政策、发放购房补贴……多地开年发布楼市新政

Core Viewpoint - The article discusses recent housing market policies introduced in various regions, particularly focusing on Shenyang and Henan, aimed at stimulating housing consumption and supporting economic development in 2026 [1]. Summary by Sections Shenyang Housing Fund Policy Adjustments - On January 7, Shenyang announced five optimizations to its housing provident fund loan policies, including extending the minimum down payment ratio of 15% until December 31, 2026 [2][3]. - The policy extension also includes the recognition of housing loan counts, allowing those who have used housing provident fund loans twice or more to reapply until December 31, 2026 [3]. - The "commercial to public" loan repayment period for flexible employment groups has been relaxed, removing restrictions on the repayment duration of previous commercial loans [4]. Increased Loan Limits and Support for Young Citizens - The limit for "commercial to public" loans has been raised from 60% to 80% of the housing price, potentially increasing the loan amount by 20% for borrowers [4][5]. - The loan limit for new citizens and young people has been increased to 1.3 times the previous amount, now applicable to both new and second-hand residential properties [5]. Henan Province Housing Support Measures - Henan's government has introduced measures to support housing consumption, including issuing housing purchase subsidies and organizing over 200 housing promotion events [6]. - The province plans to accelerate the issuance of local government bonds to acquire existing properties for affordable housing and to advance urban village renovation projects in Zhengzhou and Luoyang [6]. - A series of consumption promotion activities are planned, including a 200 million yuan provincial consumption voucher initiative to stimulate retail, dining, and tourism sectors [6][7].