Core Viewpoint - Developers are implementing various promotional strategies, such as "buy a house and receive gold," to accelerate sales in the fourth quarter, reflecting a response to a sluggish real estate market [1][3]. Promotional Strategies - In Shenzhen, a developer is offering a promotion where purchasing a property worth 4 million yuan includes a gift of gold valued at 570,000 yuan, effectively increasing the contract price to 4.57 million yuan [3]. - The promotion is perceived as a way to provide buyers with immediate cash value through gold, despite concerns about the authenticity of such offers and potential delays in gold delivery due to rising prices [3]. - Other developers are advertising low down payment options, including "0.5% down payment" and even "zero down payment," which involve third-party financing arrangements that resemble down payment loans [3][4]. Market Analysis - According to industry experts, low down payment offers typically arise during market downturns, with developers likely to partner with third-party financial institutions for financing due to their own cash constraints [4]. - There are concerns that these practices may lead to financial irregularities and violate housing credit policies, potentially resulting in mortgage defaults [4]. - Some industry insiders suggest that instead of relying on promotional gimmicks, developers should focus on delivering quality products and improving service to meet the evolving demands of buyers [4]. Market Outlook - The China Index Academy anticipates that the real estate market will maintain a loose policy stance in the short term, aiming to stabilize and support new home supply in core cities, although market differentiation is expected to continue [5].

该吗 从本周三起，澳洲的首次购房者将可以仅凭5%的首付买房。 这是联邦工党兑现竞选承诺的一部分，对 "首次置业者担保计划" 进行了扩容。 不过专家也提醒： 虽然低首付能帮你早点买房，但也意味着更高的月供压力， 如果没有提前还款的规划，最终利息支出也会更高。 Amara Mortgage Brokers的总监Tina Howes表示： 即使按照这个政策计算的贷款额度，月供对很多人来说依然是难以承受的。 但对一些人而言，早点上车、赶在房价进一步上涨前拥有自己的房子， 也能在一定程度上抵消利息成本的增加。 Loan Market贷款经纪Max White表示： 只要清楚自己能借多少钱，每个月要还多少月供，这个计划是很不错的。 过去，申请这项计划需要满足收入上限： 单身12.5万澳元以内，夫妻20万澳元以内，而且每年配额有限。 现在，这两个限制都取消了，同时不同城市的房价上限也有提高： 申请条件包括： 申请人必须是澳洲公民或永久居民； 年满18岁； 首次购房者，或过去10年内未拥有澳洲房产（两人联名则两人都需符合）； 不能用于投资房产，只能购买自住型住宅，包括已建房、联排别墅、公寓、期房、空地+建房合约等形式。 Ho ...