"这次国庆节回家正好可以顺便看看房子，政府补贴再加上项目本身也有不少促销活动，也许这次真能 下决心买房了。"在广州工作的肖女士告诉《证券日报》记者。 以广西为例，2025年广西"金九银十"购房补贴活动于9月15日至10月31日开展。活动期间内，在广西购 买首套或二套新建商品住宅的购房人，每套可获1万元补贴；购买新建商品房车位的购房人，每个车位 可获1000元补贴。补贴总额为1.2亿元，采取"先到先得"原则。记者了解到，截至9月18日发稿，已有超 400万元补贴额度完成发放。 广西壮族自治区住房和城乡建设厅相关负责人告诉《证券日报》记者，消费者购房后，凭借相关凭证在 线上申请即可，补贴资金会直接打到消费者银行卡上，只要购买的是普通住宅，都可以申请。 与广西普惠性补贴不同，吉林省延吉市则侧重通过房交会释放交易需求。据了解，延吉市将于9月20日 至10月31日举办2025年秋季房交会，相比于以往，今年延吉市房交会优惠力度空前。除企业自主推出 的"购房立减"等福利外，政府对购买新建商品房的群众按照每平方米补贴500元、最高补贴5万元；对人 才购房及可办理产权证的车位、车库购买者，均有不同额度补贴；还会叠加发放家电消费 ...

Core Viewpoint - The recent policy changes in Shenzhen's real estate market, particularly the unification of mortgage rates for first and second homes, represent a significant shift in credit policy aimed at stimulating housing demand and addressing market challenges [1][3][4]. Group 1: Policy Changes - Shenzhen banks have eliminated the long-standing differential interest rate mechanism for first and second home loans, aligning the rates and allowing for a maximum reduction of 0.4 percentage points [3]. - Prior to the new policy, the interest rate for first home loans was set at 3.05%, while second home loans were at 3.45%. The new policy equalizes these rates [3]. - The monthly payment for a 5 million yuan loan over 30 years can decrease from 22,313 yuan to 21,215 yuan, resulting in a total interest savings of 395,000 yuan [3]. Group 2: Market Drivers - The rapid implementation of the new policy reflects both a response to national regulatory requirements and an adaptation to changing market conditions, as Shenzhen faces declining transaction volumes [4]. - The central government has emphasized the need to better meet residents' housing demands, and Shenzhen's policy adjustments are a direct response to this directive [4]. - Banks are motivated to lower rates to attract and retain customers amid a significant decrease in residential deposits and mortgage activity [4]. Group 3: Market Outlook - Analysts believe that the removal of the interest rate differential will accelerate the release of demand for improved housing, benefiting developers focused on upgrade products [5]. - The current market challenges include the difficulty of selling existing homes, which hampers the ability of buyers to upgrade, thus prolonging the housing cycle [5]. - Stabilizing second-hand home prices and facilitating transactions are seen as crucial for maintaining market stability and promoting the release of upgrade demand [5]. Group 4: Risk Management - Banks have stated that they will determine specific interest rates based on customer risk profiles, ensuring that adjustments to existing mortgage rates meet a minimum threshold [7]. - This mechanism aims to maintain flexibility in policy implementation while mitigating systemic risks in the financial sector [7]. - Experts suggest that the policy changes are not a blanket approach but rather a targeted support for reasonable housing demand, which is expected to positively influence market stability and promote high-quality development in real estate [7].

Group 1 - In August, new residential property prices in Shanghai, Hangzhou, and Yichang led the country with a month-on-month increase of 0.4% [1] - Shanghai's new home prices saw a year-on-year increase of 5.9%, the highest in the nation, while Hangzhou followed with a 2.6% increase [1] - Nine cities experienced a month-on-month increase in new residential property prices, with Nanning at 0.3% and Shenyang, Hefei, and Jilin at 0.2% [1] Group 2 - First-tier cities saw a month-on-month decrease of 0.1% in new residential property prices, with Beijing, Guangzhou, and Shenzhen declining by 0.4%, 0.2%, and 0.4% respectively [1] - The year-on-year decline in new residential property prices for first-tier cities was 0.9%, with Beijing, Guangzhou, and Shenzhen experiencing declines of 3.5%, 4.3%, and 1.7% respectively [2] Group 3 - The second-hand housing market showed weaker price increases, with only Changchun experiencing a 0.1% month-on-month increase, while other cities saw declines [2] - First-tier cities' second-hand residential property prices decreased by 1% month-on-month, with declines of 1.2%, 1%, 0.9%, and 0.8% in Beijing, Shanghai, Guangzhou, and Shenzhen respectively [2] Group 4 - Zhang Bo from 58 Anjuke Research Institute noted a clear trend of price stability in first-tier and second-tier hot cities due to government policies aimed at boosting buyer confidence [3] - The upcoming traditional peak buying season is expected to show a structural recovery in core cities while smaller cities continue to adjust [3] - Policies will continue to be implemented based on local conditions, with first-tier cities benefiting from relaxed purchase restrictions and optimized public housing fund policies [3]

河南房地产市场再迎政策利好。9月12日记者获悉，为更好支持居民住房消费，省住房城乡建设厅 等八部门近日联合印发《关于支持住房消费的若干措施》（以下简称《若干措施》），通过政府补贴、 企业让利、金融支持等多种方式降低购房成本、助力群众安居，有效满足刚性和多样化改善性住房需 求，促进房地产市场平稳健康发展。 值得关注的是，河南省还将合理提高住房公积金个人住房贷款额度、拓宽住房公积金使用范围。 《若干措施》明确，各地在原有政策基础上可将住房公积金个人贷款额度再上浮10%，最高贷款额不超 过购房总价款与首付款差额。住房公积金缴存人可凭5年内的自住商品房网签备案合同（不动产权证 书）提取住房公积金个人账户余额用于所购住房装修。 为更好助力更多新市民、新青年安居河南、逐梦河南，河南省将加大金融支持力度，加力推进收购 存量商品房用作保障房。《若干措施》明确，金融机构可创新个人住房信贷模式，面向无房青年群体推 出匹配度更高的特色住房金融产品，更好满足青年群体多元化住房信贷需求。各地可使用住房公积金增 值收益收购存量商品房用作公租房。 省住房城乡建设厅相关负责人介绍，《若干措施》共十二条，主要从持续开展房产展销活动、加大 购房 ...

值得关注的是，我省还将合理提高住房公积金个人住房贷款额度、拓宽住房公积金使用范围。《若干措 施》明确，各地在原有政策基础上可将住房公积金个人贷款额度再上浮10%，最高贷款额不超过购房总 价款与首付款差额。住房公积金缴存人可凭5年内的自住商品房网签备案合同（不动产权证书）提取住 房公积金个人账户余额用于所购住房装修。 为更好助力更多新市民、新青年安居河南、逐梦河南，我省将加大金融支持力度，加力推进收购存量商 品房用作保障房。《若干措施》明确，金融机构可创新个人住房信贷模式，面向无房青年群体推出匹配 度更高的特色住房金融产品，更好满足青年群体多元化住房信贷需求。各地可使用住房公积金增值收益 收购存量商品房用作公租房。 此外，我省还将加大"好房子"建设供给。新出让土地上建设的房地产开发项目应严格执行《住宅项目规 范》和绿色建筑标准，建造安全、舒适、绿色、智慧的"好房子"。优先推动基础设施、商业、教育等配 套齐全的地块供应。对道路、管线等基础设施尚不完善的在建项目，各地应加快完善配套，提高项目交 付品质。 河南房地产市场再迎政策利好。9月12日记者获悉，为更好支持居民住房消费，省住房城乡建设厅等八 部门近日联合印发《 ...

河南日报客户端记者李筱晗/文 张燕/制图 河南房地产市场再迎政策利好。为更好支持居民住房消费，9月12日记者获悉，近日省住房城乡建设厅 联合多部门印发《关于支持住房消费的若干措施》（以下简称《若干措施》），通过政府补贴、企业让 利、金融支持等多种方式降低购房成本、助力群众安居，有效满足刚性和多样化改善性住房需求，促进 房地产市场平稳健康发展。 省住房城乡建设厅相关负责人介绍，《若干措施》共十二条，主要从持续开展房产展销活动、加大购房 补贴力度、支持多子女家庭购房、合理提高住房公积金个人住房贷款额度、拓宽住房公积金使用范围、 加大"好房子"建设供给等方面，对现有的房地产调控措施进一步优化提升，让群众买房成本更低、服务 更好、产品更优，有效支持刚性和改善性住房需求。 我省将持续开展房产展销活动，进一步激发房地产市场活力，更好地满足群众刚性和多样化改善性住房 需求。《若干措施》提出，各地要利用"金九银十"等传统消费旺季和节假日，2025年底前通过线上线下 等方式全省累计开展不少于100场房展会、购房节等展销活动，积极搭建房产超市等一站式服务平台， 引导房地产企业集中推出一批位置好、品质高的优质房源，搭配家电家装大礼 ...

Core Viewpoint - The real estate stocks in China have shown a significant upward trend, driven by policy adjustments and improved market sentiment, particularly in major cities like Beijing, Shanghai, and Shenzhen [1] Group 1: Stock Performance - Major real estate companies such as China Oceanwide Holdings (03377) saw a stock increase of 12.5%, trading at 0.153 HKD; Longfor Group (03380) rose by 11.58% to 1.06 HKD; Shimao Group (00813) increased by 8.97% to 0.425 HKD; and Sunac China (01918) gained 4.22% to 1.73 HKD [1] Group 2: Market Trends - Since Q2 of this year, the new housing market has experienced a decline in both volume and price, increasing the pressure for stabilization throughout the year [1] - Starting in August, cities like Beijing, Shanghai, and Shenzhen have implemented "city-specific policies," which are expected to boost short-term transaction volumes and enhance confidence in the long-term recovery of the industry [1] Group 3: Policy Implications - There remains significant policy space for further measures, including urban renewal initiatives and policies for the acquisition of existing housing stock [1] - The expectation of interest rate cuts by the Federal Reserve has opened up monetary easing opportunities for China [1] Group 4: Risk Assessment - The reduction in industry risk evaluation is identified as a key factor driving the recovery of real estate stocks, with the potential for policy announcements or expectations to temporarily increase market momentum [1] - The previous decline in real estate stock prices was attributed to the negative impact on the numerator exceeding that on the denominator; however, the industry is now entering a new bottoming phase where the denominator's influence is expected to surpass that of the numerator, leading to potential stock price recovery [1]

中央经济会议定调房市新方向：9月楼市变革，挑战与机遇并存 中央经济工作会议近日对房地产市场的发展方向进行了关键性定调，重申了"房住不炒"的核心定位，并强调了推动市场平稳健康发展的必要性。会议明确指 出，需坚持"因城施策"的原则，有效满足居民刚性和改善性住房需求，引导房地产行业朝着新的发展模式稳健转型。伴随着9月份多项重磅政策的密集出 台，楼市正迎来一轮深刻的变革，对于广大普通购房者而言，这既是审慎应对的挑战，也是抓住机遇的关键时期。 市场现状：分化显现，挑战犹存 国家统计局发布的最新数据显示，截至2025年8月，全国70个大中城市房价指数环比微降0.3%，同比下降2.1%。这一数据揭示了在经历多轮调控后，我国房 地产市场依然面临着不小的去库存压力。然而，值得注意的是，一线城市及部分二线热点城市的房价已悄然企稳并呈现回升态势。具体而言，北京、上海、 广州、深圳等核心城市的二手房成交量较去年同期显著增长了7.8%，市场表现出明显的区域分化特征。 九月四大重磅举措：引领市场新格局 在此市场背景下，9月份将有四大关键举措密集启动，这些举措将深刻影响未来房地产市场的发展轨迹。 一、金融支持加码，降低置业成本 为提振市场 ...

第四，企事业单位可在本市范围内购买商品住房，用于解决员工住房等需求。 （原标题：深夜！深圳，突发利好） 【导读】深圳放出地产利好！ 中国基金报记者 泰勒 深夜重磅消息，深圳放出地产利好！ 深圳分区优化调整限购 9月5日深夜，深圳市住房和建设局、中国人民银行深圳市分行发布关于进一步优化调整本市房地产政策 措施的通知。 以下是重点内容。 第一，符合深圳市商品住房购买条件的居民家庭（包括本市户籍居民家庭、自购房之日前在本市连续缴 纳社会保险或个人所得税满1年及以上的非本市户籍居民家庭），在罗湖区、宝安区（不含新安街 道）、龙岗区、龙华区、坪山区、光明区范围内购买商品住房不限套数。 第二，无法提供自购房之日前在本市连续缴纳社会保险或个人所得税满1年及以上证明的非本市户籍居 民家庭，在罗湖区、宝安区（不含新安街道）、龙岗区、龙华区、坪山区、光明区范围内购买商品住房 限购2套。 第三，在盐田区、大鹏新区购买商品住房，不再审核购房资格。 其中，在福田区、南山区和宝安区新安街道范围内购买商品住房，需同时满足设立年限满1年、在本市 累计缴纳税款金额达100万元人民币、员工人数10名及以上条件；在本市其他区域购买商品住房，不再 ...

【导读】 深圳放出地产利好！ 中国基金报记者 泰勒 深夜重磅消息，深圳放出地产利好！ 深圳分区优化调整限购 9月5日深夜， 深圳市住房和建设局、中国人民银行深圳市分行发布关于进一步优化调整本市房地产政策措施的通知。 | | | 以下是重点内容。 以下是通知全文。 深圳市住房和建设局、中国人民银行深圳市分行发布关于进一步优化调整本市房地产政策措施的通知。 一、分区优化调整居民购买商品住房政策 （一）符合本市商品住房购买条件的居民家庭（包括本市户籍居民家庭、自购房之日前在本市连续缴纳社会保险或个人所得税满1年及以上的非本市户籍 第一，符合深圳市商品住房购买条件的居民家庭（包括本市户籍居民家庭、自购房之日前在本市连续缴纳社会保险或个人所得税满1年及以 上的非本市户籍居民家庭），在罗湖区、宝安区（不含新安街道）、龙岗区、龙华区、坪山区、光明区范围内购买商品住房不限套数。 第二，无法提供自购房之日前在本市连续缴纳社会保险或个人所得税满1年及以上证明的非本市户籍居民家庭，在罗湖区、宝安区（不含新 安街道）、龙岗区、龙华区、坪山区、光明区范围内购买商品住房限购2套。 第三，在盐田区、大鹏新区购买商品住房，不再审核购房资格。 ...