证券时报记者梳理发现，9月25日至10月1日，广东东莞和广州、湖南邵阳、吉林长春、湖南长沙宁乡 市、安徽合肥、湖北武汉、重庆等多地出台楼市新政。 中指研究院的数据显示，国庆中秋假期期间，楼市整体表现较为平淡，北京、上海、深圳等城市新房网 签面积同比实现增长。 业内人士指出，上半年多家头部房企在核心城市获取了较多优质地块，这些地块有望在四季度逐步入 市，新增供应有望对核心城市新房销售形成一定支撑，预计"银十"市场将延续分化态势。 多地密集出台楼市新政 证券时报记者梳理发现，9月25日至10月1日，广东东莞和广州、湖南邵阳、吉林长春、湖南长沙宁乡 市、安徽合肥、湖北武汉、重庆等多地出台楼市新政。 从已出台政策内容来看，多地住房公积金支持力度较大。其中，广州优化公积金提取政策，缴存人及其 配偶购买广州市行政区域内现售商品住房、存量商品住房、配售型保障性住房或者共有产权住房，可申 请提取住房公积金用于支付购房首付款；缴存人及其配偶在广州市行政区域内为其拥有所有权的住宅实 施老旧电梯更新改造，可申请提取住房公积金用于支付家庭分摊费用。东莞优化首套房认定标准，并将 首套房、二套房公积金最高贷款额度统一提高至150万元，购 ...

广东省城乡规划院住房政策研究中心首席研究员李宇嘉认为，此次广州公积金政策优化的意义还实现了 几个"突破"。首先，房地产市场进入存量时代，广州二手房交易面积和套数都高于新房。这次优化尊重 了当前楼市的实际状况，将公积金提取范围增加至存量商品住房、配售型保障性住房或者共有产权住 房，具有扩大购房人选择权的实际意义；其次，政策优化有利于促进"卖旧买新"或"卖一买一"的改善型 循环，不推动二手房的销售，想带动新房的成交很难，因此这一政策也能侧面带动新房市场的成交；除 了用于购房，这次优化政策还提及"住宅实施老旧电梯更新改造"。当前，商品房交易的下滑造成公积金 池子水位上升，公积金的冗余沉淀比较多，而公积金提取范围的扩大能够有效盘活公积金沉淀资金。 据中指研究院统计，今年以来全国已有超30个市（区）出台提取住房公积金支付购房首付款的新政，其 中，北京、上海、广州等一线城市都已明确可以申请公积金用于支付购房首付款。除了广州，今年已有 多个二三线城市优化住房公积金政策，扩大住房公积金的支付使用范围，从一手房扩大至二手房等多个 场景。例如，青岛市住房公积金管理中心优化完善住房公积金提取政策，将首付款提取范围扩大至二手 房，同 ...

近段时间以来，多地继续调整住房公积金有关政策，而且恰逢楼市传统的"金九银十"，这些政策也在一 定程度上提升了市场热度。 9月11日，记者从成都住房公积金管理中心官网获悉，该中心拟对《成都商业性个人住房贷款转住房公 积金个人住房贷款管理办法》修订并继续实施，目前正在征求意见。商业性个人住房贷款转住房公积金 个人住房贷款，就是俗称的"商转公"，修订后的《成都商业性个人住房贷款转住房公积金个人住房贷款 管理办法》（征求意见稿）在政策有效期、放宽缴存地域限制、明确签约银行查询渠道等方面进行了优 化。 而在近日，深圳市住房公积金管理中心发布了《深圳市住房公积金管理办法》和《深圳市住房公积金提 取管理规定》两项文件的修订征求意见稿，提出支持在本市购买住房的职工提取一次住房公积金用于支 付购房首付款，支持在本市购买住房的职工提取住房公积金用于支付所购住房的购房税款，支持职工提 取住房公积金用于偿还异地所购住房的贷款本息等。 8月8日，北京楼市新政正式落地，提出符合购房条件的家庭在五环外购买商品住房（含新房及二手房） 不限套数，同时优化公积金贷款政策。紧随其后，上海也发布新一轮政策措施，包括降低限购门槛、优 化公积金使用、放 ...

近段时间以来，多地继续调整住房公积金有关政策。 8月21日，成都住房公积金管理委员会印发《关于住房公积金支持缴存人购买和租赁保障性住房有关政策的通 知》，将优化住房公积金有关政策，包括降低首付款比例、提高贷款额度等内容。 其中，购买保障性住房使 用住房公积金贷款的，最低首付款比例为15%；购买保障性住房使用住房公积金贷款的，单、双缴存人最高贷 款额度对应上浮50%。即由现行的单人60万元、双人100万元提高至单人90万元、双人150万元，基本实现缴 存人使用住房公积金贷款即可覆盖除首付款金额外的剩余购房资金需求，减轻购房负担。 无独有偶，8月20日起，合肥市住房公积金管理委员会办公室对《关于调整我市个人住房公积金贷款额度的通 知（征求意见稿）》（简称《征求意见稿》）公开征求社会各界意见。 根据《征求意见稿》，个人住房公积 金最高贷款额度拟普遍上调，其中，多子女家庭购买首套住房，夫妻双方正常缴存的，住房公积金最高可贷额 度拟调整至144万元。与此同时，合肥市将适时调整优化住房公积金政策，拟对个人住房公积金最高贷款额度 进行调整。此外，"商转公"贷款也在此次政策的调整范围之内。若政策发布时已受理且尚未发放的住房公 ...

Core Viewpoint - Recent adjustments to housing provident fund policies across multiple cities aim to enhance support for homebuyers and renters, thereby stimulating consumer spending and stabilizing the real estate market [1][2][3][4]. Group 1: Policy Adjustments - Chengdu has implemented new policies that lower the minimum down payment ratio to 15% and increase the maximum loan amounts by 50%, allowing single contributors to borrow up to 90 million and dual contributors up to 150 million [1]. - Hefei is proposing to raise the maximum loan amount for families with multiple children purchasing their first home to 1.44 million, with ongoing adjustments to the housing provident fund policies [2]. - Suzhou has expanded the use of housing provident funds to cover property management fees, allowing withdrawals once a year for actual payments made [2]. Group 2: Market Implications - The expansion of the housing provident fund's applicability, such as using it for property fees, is seen as a measure to "liberate" consumers, increasing their disposable income and potentially boosting overall consumption [3]. - The housing provident fund policies are crucial for releasing demand in the market, with nearly 150 policy adjustments made in the first half of the year, focusing on increasing loan limits and optimizing loan standards [3]. - The real estate market has shown signs of stabilization since the introduction of comprehensive policies last September, although disparities remain between different cities and their respective districts [4].

在下半年开局的首个月份，政策的拉动作用以及房企自身调整的成效开始初步显现。北京商报记者统计 发现，截至8月14日，已有20家房企披露了7月具体销售数据。多数房企的销售额虽然同比尚未出现明显 改善，但销售单价拉动明显：20家房企中有13家销售单价同比提升，占比超六成。这些销售单价上涨的 房企共同特点在于拿地策略的调整：即向一二线城市集中。业内人士分析认为，北京等一二线城市核心 区域的优质项目热销，推动了局部市场回暖。尽管整体市场分化态势仍存，但这种局部向好的态势有助 于带动整体市场持续发展，也为更多出险房企的经营复苏提供了契机。 价格基准维持 去化速度保障 据北京商报记者不完全统计，20家房企中，越秀地产、新城控股、龙湖集团、金地集团、华润置地等13 家房企销售单价同比普遍上涨。 其中，融创中国受核心区域热销项目影响，7月销售单价同比涨幅最大，达到97.25%。此外，越秀地 产、华润置地、招商蛇口及中国金茂等房企则同比分别上涨约47.44%、35.68%、30.1%及23.19%。 销售单价的上涨，也与此前房企拿地策略的调整关系密切。2024年，多家房企都表达了优化土地储备结 构的意愿，聚焦一二线城市增加土地储 ...

Core Viewpoint - The recent policy adjustment in Beijing aims to optimize real estate regulations, particularly benefiting the housing market outside the Fifth Ring Road by lifting purchase limits and enhancing housing fund loan support [1][2][10]. Group 1: Policy Changes - The new policy allows eligible families to purchase an unlimited number of properties outside the Fifth Ring Road starting from August 9, 2023 [4][10]. - Non-Beijing residents can now buy properties outside the Fifth Ring Road after paying social insurance or income tax for at least 2 years, a reduction from the previous requirement of 5 years [10][11]. Group 2: Market Impact - Following the policy announcement, there was a noticeable increase in customer visits and transactions in several new developments outside the Fifth Ring Road, with some projects reporting a 20% to 50% increase in visitor numbers [5][6]. - Specific projects like Longfor's Guan Cui saw an average of over 110 groups visiting daily, with a 100% increase in sales compared to the previous week [5][6]. Group 3: Housing Fund Loan Adjustments - The policy includes enhancements to the housing fund loan system, allowing borrowers to access 15,000 yuan for each year of contribution, with a maximum loan of 1 million yuan for second homes [8][9]. - For families with 8 years of contributions looking to purchase a 3.6 million yuan home, the new policy could reduce their monthly payments by approximately 93 yuan, resulting in a total interest savings of 27,700 yuan over the loan period [8][9]. Group 4: Targeted Beneficiaries - The policy is expected to support families with multiple housing needs, particularly those who are relocating or upgrading their living situations, as it removes previous restrictions on purchasing multiple homes [12][13]. - The adjustments are also seen as a response to the growing demand for housing in suburban areas, where over 80% of new home sales occurred in the first half of 2023 [11][12]. Group 5: Market Stability and Future Outlook - The policy reflects a steady approach to market regulation, aiming to balance supply and demand while avoiding drastic changes that could destabilize the market [13][15]. - Analysts suggest that the adjustments are timely, given the recent cooling of the market, and they anticipate an increase in transaction activity as the effects of the policy unfold [13][15].

Core Viewpoint - Beijing has optimized its real estate purchase policies, allowing residents to buy unlimited properties outside the Fifth Ring Road, aiming to reduce housing inventory and stabilize market expectations [1][2]. Policy Changes - The new policy allows Beijing residents and non-residents who have paid social insurance or individual income tax for at least two years to purchase unlimited properties outside the Fifth Ring Road, compared to previous restrictions of two properties for residents and one for non-residents [1][2]. - The aim is to activate potential demand for multiple properties, such as for elder care, children's education, and improved living conditions due to job relocations [2]. Market Conditions - As of June, the new housing price index in Beijing fell by 0.3% month-on-month and 4.1% year-on-year, while the second-hand housing price index dropped by 1% [2]. - New housing inventory stood at 9.818 million square meters, a year-on-year decrease of 8.2%, with a de-stocking cycle of 15 months, predominantly located outside the Fifth Ring Road [2]. Public Fund Policy Adjustments - The new policy broadens the criteria for first-time homebuyers using public funds, allowing those with one cleared loan to qualify as first-time buyers, and increases the loan limit for second homes from 600,000 to 1 million yuan [3][4]. - The loan coefficient for public fund contributions has increased, allowing borrowers to access more funds with shorter contribution periods [4]. Implications for Housing Demand - The adjustments aim to lower the barriers and costs of home purchases, thereby stimulating potential demand, especially among first-time buyers and families looking to upgrade their living conditions [4][5]. - The policy reflects a shift towards more targeted measures to activate the housing market's internal dynamics, focusing on supporting green building development and families with multiple children [5].

2025.08. 11 本文字数：2672，阅读时长大约5分钟 "文件生效就可以（按照新规）做（贷款）了，主要是二套房受益比较大。"第一财经记者周一以购房者身份咨询时，北京一国有大行工作人员 表示，该行自上周六（8月9日）已开始执行新的住房公积金贷款政策。 上周五（8月8日），北京市住房和城乡建设委员会、北京住房公积金管理中心发布《关于进一步优化调整本市房地产相关政策的通知》（下 称《通知》），一方面进一步优化五环外限购政策，另一方面加大了住房公积金贷款支持力度。文件自8月9日起施行。 新规涉及公积金贷款的内容调整力度较大。首先是优化首二套房认定标准：《通知》称，住房公积金个人住房贷款借款申请人（含共同申请 人）在北京市无住房，且全国范围内无公积金贷款（含住房公积金政策性贴息贷款）或使用过1次公积金贷款并已结清的，执行首套住房公积 金贷款政策。 其次是提高二套住房公积金贷款额度：《通知》称，借款申请人使用公积金贷款购买二套住房的，最高贷款额度为100万元，最低首付款比例 不低于30%。 这也意味着，购房者的二套住房公积金贷款最低首付比例将由30%（五环外）、35%（五环内）统一降至30%，不再区分五环外、五环 ...

日前，北京出台楼市新政，除放宽五环外限购政策外，加大了公积金贷款支持力度，包括优化首二套房 认定、提高二套房公积金贷款额度、降低二套房首付比例等。 新规涉及公积金贷款的内容调整力度较大。首先是优化首二套房认定标准：《通知》称，住房公积金个 人住房贷款借款申请人（含共同申请人）在北京市无住房，且全国范围内无公积金贷款（含住房公积金 政策性贴息贷款）或使用过1次公积金贷款并已结清的，执行首套住房公积金贷款政策。 其次是提高二套住房公积金贷款额度：《通知》称，借款申请人使用公积金贷款购买二套住房的，最高 贷款额度为100万元，最低首付款比例不低于30%。 这也意味着，购房者的二套住房公积金贷款最低首付比例将由30%（五环外）、35%（五环内）统一降 至30%，不再区分五环外、五环内；贷款利率将由3.075%降为2.6%，进一步降低购房者置业成本。以公 积金贷款100万元、30年等额本息计算，购房者利息将减少13.38万元，每月还款减少约594元。 此外，结合前期相关政策，适用公积金支持绿色发展、多子女家庭购房政策的，二套房公积金贷款额度 最多可上浮40万元，即最高贷款额度为140万元；首套住房最高贷款额度为160万 ...