房地产政策优化

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重磅!北京楼市新政来了
中国基金报· 2025-08-08 12:20
【导读】北京:符合条件家庭五环外不再限制购房套数 中国基金报记者 李智 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联合印发《关于进一步 优化调整本市房地产相关政策的通知》(以下简称《通知》),自 2025 年 8 月 9 日起施 行。 《通知》明确,符合本市商品住房购买条件的居民家庭,购买五环外商品住房(含新建商品 住房和二手住房)不限套数。 《通知》还加大了住房公积金贷款支持力度,包括由每缴存公积金一年可贷 10 万元提高至可 贷 15 万元、二套房公积金贷款最高额度由 60 万元提高至 100 万元,以及二套房最低首付 款比例统一调整为不低于 30% ,不再区分五环内外等。 五环外不再限制购房套数 加大住房公积金支持力度 《通知》明确,符合本市商品住房购买条件的居民家庭,购买五环外商品住房(含新建商品 住房和二手住房)不限套数。即:京籍居民家庭、在本市连续缴纳社会保险或个人所得税满 2 年及以上的非京籍居民家庭,购买五环外商品住房不限套数。 同时,《通知》明确,对成年单身人士在本市购买商品住房的,按照居民家庭执行限购政 策。 居民家庭购买五环内商品住房的政策不变,京籍居民家庭五环内 ...
北京:符合条件家庭五环外不再限制购房套数
21世纪经济报道· 2025-08-08 11:41
Core Viewpoint - The article discusses the new policy issued by Beijing's housing authorities aimed at optimizing the real estate market to better meet residents' housing needs and promote a balanced living and working environment. The policy will take effect on August 9, 2025, and includes changes to housing purchase restrictions and increased support for housing provident fund loans. Group 1: Housing Purchase Policy Adjustments - Families meeting certain criteria can purchase an unlimited number of homes outside the Fifth Ring Road, which includes both new and second-hand properties. This applies to Beijing residents and non-residents who have paid social insurance or income tax in the city for over two years [2] - The purchase policy for homes within the Fifth Ring Road remains unchanged, with Beijing residents limited to two homes and non-residents limited to one home if they have paid social insurance or income tax for over three years [2] Group 2: Housing Provident Fund Support Enhancements - The policy expands the scope of first-home provident fund loans, allowing applicants with no housing in Beijing but one cleared provident fund loan nationwide to be recognized as first-time homebuyers. This change can reduce the down payment by up to 600,000 yuan and monthly payments by up to 253 yuan for a 4 million yuan home [3][4] - The maximum loan amount for second-home provident fund loans is increased from 600,000 yuan to 1 million yuan, with potential increases of up to 400,000 yuan for eligible borrowers [4][5] - The minimum down payment ratio for second-home loans is standardized to 30%, eliminating the previous distinction between properties inside and outside the Fifth Ring Road [5] - The amount that can be borrowed per year of provident fund contribution is raised from 100,000 yuan to 150,000 yuan, allowing borrowers to access loans more quickly [5] - The policy allows for the simultaneous withdrawal of provident fund for down payments while applying for loans, facilitating the purchasing process for new homes [5]
北京:符合条件家庭五环外不再限制购房套数
华尔街见闻· 2025-08-08 11:26
为促进北京市房地产市场平稳健康发展,更好满足居民改善性住房需求,有效发挥市场机制作用,坚持 首都城市战略定位,落实好城市总体规划,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 理中心联合印发《关于进一步优化调整本市房地产相关政策的通知》(以下简称《通知》),自2025年 8月9日起施行。 一、《通知》明确符合条件家庭在本市五环外不再限制购房套数 北京城市总体规划实施以来,五环外平原新城地区宜居宜业水平和综合承载力显著提升,为了更好地满 足居民改善性住房需求,促进职住平衡,《通知》明确,符合本市商品住房购买条件的居民家庭,购买 五环外商品住房(含新建商品住房和二手住房)不限套数。即: 京籍居民家庭、在本市连续缴纳社会 保险或个人所得税满2年及以上的非京籍居民家庭,购买五环外商品住房不限套数。同时,《通知》明 确,对成年单身人士在本市购买商品住房的,按照居民家庭执行限购政策。 居民家庭购买五环内商品住房的政策不变,京籍居民家庭五环内限购2套,在本市连续缴纳社会保险或 个人所得税满3年及以上的非京籍居民家庭五环内限购1套。 二、《通知》从四方面加大了住房公积金支持力度 (一)扩大首套房公积金贷款支持范围。 ...
北京市住房限购政策再优化!符合条件家庭五环外购房不再限制套数
Bei Jing Ri Bao Ke Hu Duan· 2025-08-08 11:16
为更好满足居民改善性住房需求,北京再一次对房地产政策作出优化。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联合印发《关于进一步优化调整本市房地产相关政策的通知》,提出 符合本市商品住房购买条件的居民家庭购买五环外商品住房不限套数,扩大首套房公积金贷款支持范围 等政策,有效发挥市场机制作用,更好地促进职住平衡。 五环以外不再限制购房套数 转自:北京日报客户端 需要提醒的是,居民家庭购买五环内商品住房的政策不变,京籍居民家庭五环内限购2套,在本市连续 缴纳社会保险或个人所得税满3年及以上的非京籍居民家庭,五环内限购1套。 公积金优化首套房认定标准 为加大住房公积金支持力度,通知扩大了首套房公积金贷款支持范围。对借款申请人在本市无住房但全 国范围内有1笔已结清公积金贷款记录的,由此前认定为二套房,调整为认定为首套房。以房屋总价400 万元,公积金贷款100万、贷款年限30年为例,由二套住房贷款调整为首套房后,首付款最高减少60万 元,月供最高减少253元。 在二套房公积金贷款最高额度方面,通知明确,由60万元提高至100万元,大力支持改善性住房需求。 如借款人满足适用公积金支持建筑绿色发展、支持多 ...
北京楼市新政来了!符合条件家庭五环外购房不限套数
Yang Shi Xin Wen Ke Hu Duan· 2025-08-08 11:13
8月8日晚,北京市住房和城乡建设委员会、北京住房公积金管理中心联合印发《关于进一步优化调整本 市房地产相关政策的通知》(以下简称《通知》),自2025年8月9日起施行。 居民家庭购买五环内商品住房的政策不变,京籍居民家庭五环内限购2套,在北京市连续缴纳社会保险 或个人所得税满3年及以上的非京籍居民家庭五环内限购1套。 在最低首付款比例方面,《通知》明确,将二套房公积金贷款最低首付款比例,由购买五环内住房不低 于35%、购买五环外住房不低于30%,统一调整为不低于30%,不再区分五环内外。 一、《通知》明确符合条件家庭在北京市五环外不再限制购房套数 (三)提高每缴存公积金一年可贷额度。《通知》明确,由每缴存公积金一年可贷10万元提高至可贷15 万元。借款人申请120万元贷款,由原需要缴存公积金11年零1个月,降低为缴存7年零1个月。如借款人 满足适用公积金支持建筑绿色发展、支持多子女家庭购房等政策的条件,还能享受贷款额度上浮的政策 优惠,最多上浮40万元,首套住房最高可贷款160万元。 北京城市总体规划实施以来,五环外平原新城地区宜居宜业水平和综合承载力显著提升,为了更好地满 足居民改善性住房需求,促进职住平衡 ...
渝 开 发(000514) - 投资者关系活动记录表
2025-08-06 10:22
Group 1: Company Overview - Chongqing Yukaifa Co., Ltd. was established on December 2, 1978, and listed on the Shenzhen Stock Exchange on July 12, 1993, being the first real estate developer in Chongqing and the only state-owned listed real estate developer in the city [2][4]. Group 2: Fundraising Projects - The company plans to raise no more than 640 million yuan for projects including Grammy City, Guanjin He Mansion Phase I, and Nanyue Tianchen Phase I and II, along with supplementary working capital [3][4]. - The fundraising amount was adjusted from a maximum of 700 million yuan to 640 million yuan after reassessment of community commercial properties and kindergartens [3]. Group 3: Market Conditions - In 2025, Chongqing implemented various policies to optimize the real estate market, including adjustments to housing transaction management and support for housing "old-for-new" exchanges, which have boosted confidence among stakeholders [4]. Group 4: Financial Performance - The company experienced a decline in both revenue and net profit in 2024. However, in the first half of 2025, it reported a significant improvement in operating performance due to a non-recurring gain of 240 million yuan from the transfer of a 1% stake in Chongqing Langfu Real Estate Co., Ltd. [5]. - The forecast for the net profit attributable to shareholders for the first half of 2025 is between 175 million yuan and 225 million yuan [5]. Group 5: Strategic Direction - The company aims to position itself as a city development and operation service provider, focusing on a business model centered around "residential + commercial" [6][7]. - To mitigate the seasonal and cyclical nature of the real estate business, the company is diversifying into supporting and expanding businesses, including exhibition services, asset management, property management, and area development, with a future operational model of "development + operation" [7].
渤海证券研究所晨会纪要(2025.07.30)-20250730
BOHAI SECURITIES· 2025-07-30 01:35
Fixed Income Research - The report indicates that the overall issuance guidance rates for credit bonds have mostly decreased, with a change range of -5 BP to 2 BP [2] - The issuance scale of credit bonds has increased on a month-on-month basis, with net financing amounts for medium-term notes and short-term financing bonds rising, while corporate bonds, company bonds, and targeted tools saw a decrease [2] - In the secondary market, the transaction amount of credit bonds has increased, with all varieties showing growth; however, credit bond yields have risen by 4-14 BP [2] - The report suggests that despite the recent yield adjustments, the conditions for a trend reversal in credit bonds remain insufficient, but the support from insufficient supply and strong demand may lead to a potential decline in yields [2] - The report emphasizes a cautious yet optimistic approach to current configurations and trading strategies, focusing on the trends in interest rate bonds and the coupon value of individual bonds [2] Industry Research - In the steel sector, prices have rebounded, leading to some replenishment intentions downstream, with macro "anti-involution" news positively impacting steel prices [5] - The aluminum market is expected to experience price fluctuations due to insufficient fundamental support, with attention on the outcomes of the July Politburo meeting and US-China trade negotiations [5] - Lithium prices have been positively influenced by "anti-involution" news, but there is still significant pressure from oversupply, necessitating caution regarding speculative demand [5] - The rare earth sector has seen a significant increase in exports, with June exports rising by 32.02% month-on-month, indicating potential for further price strength due to improving export demand [5] - The report maintains a "positive" rating for the steel industry and the non-ferrous metals sector, highlighting specific companies for potential investment [6]
长沙进一步优化房地产发展措施的通知:生育二孩、三孩及以上的家庭在本市购买首套或第二套自住房 最高贷款额度在本市现行最高贷款额度基础上分别提高20%、30%
news flash· 2025-07-14 11:37
长沙市住房城乡建设局房地产市场监管处发布《关于进一步优化房地产发展措施的通知》。其中提到, 强化住房公积金支持。生育二孩、三孩及以上的家庭在本市购买首套或第二套自住房,且为新建商品房 的,最高贷款额度在本市现行最高贷款额度基础上分别提高20%、30%。家庭在本市购买首套自住房, 且为新建商品房的,可申请购房提取公积金,同时可申请公积金贷款。 ...
长沙发布《关于进一步优化房地产发展措施的通知》
news flash· 2025-07-14 11:34
智通财经7月14日电,长沙市住房城乡建设局房地产市场监管处发布《关于进一步优化房地产发展措施 的通知》。其中提到,鼓励"以旧换新"。对本市家庭或个人出售自有住,并于一年内在本市重新购买新 建商品住房,且完成网签合同备案的,按新房交易总价的1%给予购房补贴,单套补贴金额最高不超过3 万元。 长沙发布《关于进一步优化房地产发展措施的通知》 ...
月度成交量同比实现“九连增”,北京二手房市场持续修复
Bei Jing Shang Bao· 2025-07-14 10:20
Core Insights - The Beijing second-hand housing market is showing signs of recovery due to a series of policy measures aimed at reducing down payment ratios, lowering mortgage rates, and optimizing housing provident funds [1][5][7] - In June, the transaction volume of second-hand residential properties in Beijing increased by 1% year-on-year, marking the ninth consecutive month of growth [1][3] - The cumulative transaction volume for the first half of the year saw an 18.4% year-on-year increase, with June alone recording 15,139 transactions, a 6% month-on-month increase [3] Policy Impact - A combination of demand-side relaxation and supply-side optimization policies has been implemented in Beijing, contributing to the market's recovery [5] - The interest rate for personal housing provident fund loans has been reduced, with the first loan rate for over five years now at 2.6%, resulting in a monthly payment reduction of 133 yuan for a 1 million yuan loan over 30 years [5][6] - Families with multiple children can now have their loan limits increased by 40,000 yuan, allowing for a maximum loan of 1.6 million yuan, further lowering the cost of homeownership [6] Market Dynamics - The "Good House" policy has not only improved the quality of new homes but has also increased the willingness of buyers to upgrade their residences [6] - There is a notable increase in transactions for second-hand homes priced between 6 million and 10 million yuan, driven by policy effects [6] - The new policy allows buyers to simultaneously apply for provident fund loans and withdraw funds for down payments, effectively easing the financial burden on buyers [7]