一、常州购房资助政策升级！覆盖期房与二手房，最高补贴20万元。12月1日，江苏省常州市召开进一 步资助住房困难工薪群体购买商品住房政策吹风会。为让住房困难工薪群体享受"购房资助政策"购买商 品住房有更多房源选择，切实保障其刚性住房需求，常州市将在2025年实施"支持住房困难工薪群体购 买自住新建商品住房现房"政策的基础上，进一步加大力度，支持购买新建商品住房现房，拓展至既资 助购买新建商品住房现房，也资助购买新建商品住房期房和存量商品住房（指成套二手住房）。其中， 购买刚需型新建商品住房房源库（含现房和期房，以下简称"房源A库"）中的商品住房，并在2026年12 月31日前完成《商品房买卖合同》网签备案的，可获得购房款（以网签备案的《商品房买卖合同》所载 为准）的15%但不超过20万元的购房资助。购买存量商品住房房源库（以下简称"房源B库"）中的商品 住房，并在2026年12月31日前完成不动产转移登记的，可获得购房款（以网签备案的《存量房买卖合 同》所载为准）的15%但不超过18万元的购房资助。 二、吉林：加快建设符合实际的"好房子"，严禁违法违规建设豪华别墅和私家庄园。近日，中共吉林省 委、吉林省人民政府 ...

"推动房地产高质量发展是推进中国式现代化建设的客观需要。" 近期，高层密集表态推动房地产市场高质量发展。12月16日，住建部部长倪虹在 《人民日报》发表题 为《推动房地产高质量发展》的署名文章，并提出全面落实推动房地产高质量发展的六大重点任务；中 央财办有关负责同志详解2025年中央经济工作会议精神时指出，要客观分析、正确看待当前房地产形 势，以构建新模式为牵引推动房地产高质量发展，并重点要抓好三件大事。 中指研究院分析认为，《推动房地产高质量发展》一文从三大"客观需要"阐明了推动房地产高质量发展 的必然性，从锚定主要目标、把握长期与短期等五大关系，强化法律等四大支撑，健全多方协同机制等 方面搭建路径框架，并通过细化六大"重点任务"落地实践，推动房地产从规模扩张转向质效提升。 处理好 " 五大关系 " 中指研究院分析认为，文章提出的"处理好推动房地产高质量发展的主要关系"彰显了未来政策着力点。 对于全面落实推动房地产高质量发展，文章提出了六大重点任务，包括优化保障性住房供给、促进房地 产市场持续健康发展、改革完善房地产开发、融资、销售制度、实施房屋品质提升工程、实施物业服务 质量提升行动、建立房屋全生命周期安 ...

Group 1 - The central economic work conference indicates that 2025 will be a significant year for China's economy, which is expected to grow by around 5%, maintaining its position among the world's major economies, with a total economic output projected to reach approximately 140 trillion yuan [4][5] - Active flows of factors and innovation are expected to inject new momentum into development, with a rapid growth trend in the movement of people, goods, information, and capital, leading to a recovery in investment and consumption growth next year [7] - The conference emphasizes the implementation of a more proactive fiscal policy next year, maintaining necessary fiscal deficits and total debt levels while ensuring fiscal sustainability [9] Group 2 - Expanding domestic demand is prioritized as a key task for next year, focusing on structural changes in consumption and boosting investment to stabilize growth [12][13] - The expansion of international science and technology innovation centers is a major deployment aimed at enhancing global competitiveness and influence, with significant achievements in regions like Beijing and Shanghai [16][17] - The government will take targeted measures to enhance the effectiveness of the unified national market, including improving market operation rules and establishing a foundational institutional framework [20][22] Group 3 - The strategy for regional coordinated development will be implemented, promoting urban-rural integration and regional linkage while avoiding "policy lowlands" [28] - The focus will be on promoting high-quality employment, with policies aimed at stabilizing jobs and supporting key groups such as college graduates and migrant workers [35] - The real estate sector is expected to see significant development potential, with a shift towards a new model that emphasizes high-quality development and the transformation of real estate companies [39][41]

记者丨李莎 编辑丨张星 房地产关联性强、涉及面广，社会上关注度很高。日前，中央财办有关负责同志接受媒体采访，深入解读当前房地产市场形势、中央经济工作 会议对房地产的部署。 该负责人表示，今年以来，我国新房和二手房交易总量基本稳定，今年二手房交易占比提高至45%，房价降幅持续收窄。从刚性需求、改善性 需求等多方面看，我国房地产高质量发展仍有较大空间。 该负责人明确，下一步，要重点抓好三方面工作：从供需两端发力稳市场，积极推动房地产企业转型发展，加快构建房地产发展新模式。 资料图 房地产高质量发展仍有较大空间 日前国家统计局发布数据显示，1—11月全国新建商品房销售面积78702万平方米，同比下降7.8%；新建商品房销售额75130亿元，下降 11.1%，降幅较1—10月均有所收窄。 另据克而瑞数据，11月重点城市新房消费成交持续走稳，其中广州、西安、合肥、惠州、徐州、珠海等地新房成交环比有不同程度增长。 11月70个大中城市商品住宅销售价格环比总体下降，其中新房上涨城市数量较10月有所增加，上海、沈阳、南京、合肥、重庆、贵阳、扬州、 襄阳这8个城市新房价格环比上涨。 纵观今年房地产销售市场，前述负责人表示，今年 ...

房地产关联性强、涉及面广，社会上关注度很高。日前，中央财办有关负责同志接受媒体采 访，深入解读当前房地产市场形势、中央经济工作会议对房地产的部署。 该负责人表示，今年以来，我国新房和二手房交易总量基本稳定，今年二手房交易占比提高至 45%，房价降幅持续收窄。从刚性需求、改善性需求等多方面看，我国房地产高质量发展仍有 较大空间。 记者丨 李莎 编辑丨张星 该负责人明确，下一步，要重点抓好三方面工作：从供需两端发力稳市场，积极推动房地产企 业转型发展，加快构建房地产发展新模式。 该负责人指出，房地产开发投资延续下降态势，这是各地消化库存、严控增量的结果，是房企 应对当前市场形势的理性选择，对此要客观分析、正确看待。 日前，住建部部长倪虹在《人民日报》上发文指出，党的十八大以来，我国房地产市场快速发 展，居民住房条件显著改善，城镇人均住房建筑面积超过40平方米，户均住房超过1.1套。 倪虹提出，当前，居民住房需求总体上已经从"有没有"转为"好不好"，而且，随着老龄化、少 子化、区域人口增减分化，人们的生产生活方式变化，住房需求更加个性化、多样化。 着眼未来，前述负责人判断，我国房地产高质量发展仍有较大空间，并进一步 ...

Core Viewpoint - The Central Economic Work Conference highlighted that there is still significant room for high-quality development in China's real estate sector, focusing on rigid and improvement demands, with an emphasis on urban renewal, particularly in dilapidated housing and urban village transformations [2][3]. Group 1: Market Stability and Development - The real estate market has shown stability in new and second-hand housing transactions, with a narrowing decline in housing prices and varied regional market trends [3]. - As of November, the total real estate development investment reached 78,591 billion yuan, a year-on-year decrease of 15.9%, compared to a 9.8% decline at the beginning of the year [3]. - The inventory of unsold commercial housing decreased by 3.01 million square meters from October, with residential unsold area down by 2.84 million square meters [3]. Group 2: Demand Analysis - The rigid housing demand is expected to continue, driven by urbanization, with the urbanization rate projected to reach 67% for the resident population by 2024, while the registered population's urbanization rate is below 50% [3]. - Improvement demand is rising, with an increase in the willingness of residents to sell old homes for new ones, as the proportion of second-hand home transactions rose from 28% in 2021 to 45% this year [4]. Group 3: Strategies for High-Quality Development - The Central Financial Office proposed three strategies to promote high-quality development in real estate: stabilizing the market from both supply and demand sides, supporting the transformation of real estate companies, and accelerating the establishment of a new development model [6]. - On the supply side, there is a focus on controlling new developments and revitalizing existing stock, while the demand side will see targeted measures to release rigid and improvement demands [6]. - Real estate companies are encouraged to shift from primarily new home sales to holding properties and providing diverse living services, with a focus on light asset management and service-oriented business models [6]. Group 4: Sales and Regulatory Reforms - The promotion of a current housing sales system aims to prevent delivery risks, ensuring that buyers receive what they see [7]. - The article emphasizes the need for regulatory reforms in real estate development, financing, and sales, including the establishment of a main bank system for project financing [7]. - The rental market is also highlighted, with a call for the development of a market-oriented and professional rental sector to protect the legal rights of both landlords and tenants [8].

（原标题：中央财办详解明年稳楼市重点，需求端更多针对性政策或在路上） 21世纪经济报道记者李莎 报道 房地产关联性强、涉及面广，社会上关注度很高。日前，中央财办有关 负责同志接受媒体采访，深入解读当前房地产市场形势、中央经济工作会议对房地产的部署。 该负责人表示，今年以来，我国新房和二手房交易总量基本稳定，今年二手房交易占比提高至45%，房 价降幅持续收窄。从刚性需求、改善性需求等多方面看，我国房地产高质量发展仍有较大空间。 该负责人明确，下一步，要重点抓好三方面工作：从供需两端发力稳市场，积极推动房地产企业转型发 展，加快构建房地产发展新模式。 日前国家统计局发布数据显示，1—11月全国新建商品房销售面积78702万平方米，同比下降7.8%；新 建商品房销售额75130亿元，下降11.1%，降幅较1—10月均有所收窄。 另据克而瑞数据，11月重点城市新房消费成交持续走稳，其中广州、西安、合肥、惠州、徐州、珠海等 地新房成交环比有不同程度增长。 11月70个大中城市商品住宅销售价格环比总体下降，其中新房上涨城市数量较10月有所增加，上海、沈 阳、南京、合肥、重庆、贵阳、扬州、襄阳这8个城市新房价格环比上涨。 ...

12月16日，住房和城乡建设部部长倪虹在人民日报发表署名文章《推动房地产高质量发展(学习贯彻党的二十届四中全会精神)》，阐述了房地 产高质量发展的重要意义、总体要求、重点任务。文章指出，"长远看，我国房地产发展仍有较大潜力和空间。" 这是近年来，住建部首次针对房地产的中长期发展潜力进行表态。 随后，中央财办有关负责同志在深入解读中央经济工作会议精神时，也做出类似表态。该人士指出，"我国房地产高质量发展仍有较大空 间。"他还从城镇化进程的角度，进一步论证了刚需、改善性需求蕴含的巨大潜力。 今年以来，房地产市场延续调整，市场交易规模较高峰时有所下滑，并偶尔出现短期波动。在此情况下，监管部门连续从中长期发展的角度作 出积极表态，既是对楼市发展阶段的界定，也是对市场信心的注入。 伴随着这些表态的，还有政策端的一系列动作。 本月以来，多地推出稳楼市新政，手段以松绑公积金政策、推进"以旧换新"为主。也有部分城市召开专题座谈会，研判政策精神。分析人士指 出，在高层连续做出定调和部署后，房地产政策的新周期正在开启。 明确中长期发展空间 从改善性需求看，尽管我国城镇住房总量已经不小，但区位分布、持有结构不均衡，相当部分城镇居民 ...

【内容摘要】12月16日，虽然适逢税期，但资金面仍偏宽松；市场情绪有所修复，债市小幅回暖；转债市场主要指数集体跟跌，转债个券多数下跌；各期限 美债收益率普遍下行，主要欧洲经济体10年期国债收益率走势分化。 一、债市要闻 （一）国内要闻 【前11个月全国城镇新增就业1210万人】据人力资源和社会保障部12月16日消息，1-11月，全国城镇新增就业1210万人，城镇调查失业率平均值为5.2%。人 力资源和社会保障部就业促进司有关负责人表示，下一步，将实施稳岗扩容提质行动，全力以赴稳定就业大局；聚焦就业重点群体，精准施策稳定和扩大就 业；强化职业技能培训，更好提升劳动者就业能力；优化就业公共服务，更好促进人岗高效匹配。 【中央财办：扩大内需是明年排在首位的重点任务】据新华社，中央财办有关负责同志详解2025年中央经济工作会议精神指出，扩大内需是明年排在首位的 重点任务，要从供需两侧发力提振消费，统筹提振消费和扩大投资。明年要从供需两端发力稳定房地产市场。供给端要严控增量、盘活存量，加快消化库 存。需求端要采取更多针对性措施，充分释放居民刚性和改善性需求。展望明年，活跃的要素流动和创新为发展持续注入新动能，人流、物流 ...

Group 1 - The central economic work conference emphasizes stabilizing the real estate market, implementing city-specific policies to control new supply, reduce inventory, and improve supply, while encouraging the acquisition of existing residential properties for affordable housing [1] - From January to November, national real estate development investment decreased by 15.9% year-on-year, reflecting the implementation of control measures and market adjustments [2] - The supply-demand relationship in the real estate market has shifted from a state of shortage to a basic balance, with some areas experiencing oversupply, leading to a reasonable control of new land supply [2] Group 2 - The sales area of commercial housing has exceeded the new construction area, indicating effective inventory reduction, with some cities showing signs of stabilization due to solid fundamentals and supportive policies [3] - In November, second-hand housing transactions in major cities like Beijing, Shanghai, and Guangzhou saw significant month-on-month increases, with Guangzhou's average transaction price rising by 2.1% [3] - The new model for real estate development aims to promote high-quality growth by revitalizing existing stock and encouraging the construction of quality housing to stimulate demand [3] Group 3 - Real estate companies are encouraged to shift from large-scale land acquisition and development to creating high-quality housing that meets diverse residential needs [4] - Reforms in real estate development, financing, and sales are necessary, including strict regulations on fund management and promoting effective financing methods [4] - The ongoing urbanization process and the rising willingness of residents to upgrade their housing will continue to drive demand in the real estate sector [4]