新华财经上海8月11日电（记者刘暄常佩琦）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》（下称《通知》），自2025年8 月9日起施行。部分银行已开始施行新政相关举措，以满足居民多重住房需求。 《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（含新建商品住房和二手 住房）不限套数。此外，《通知》还加大了住房公积金支持力度。 例如，在最高贷款额度方面，将二套房公积金贷款最高额度由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，最高可贷款140万元。 据该行相关负责人介绍，工商银行北京分行已与北京住房公积金管理中心、国管公积金中心、中直公积 金中心建立合作，能全方位受理组合贷款，提供"商业贷款 + 公积金贷款"一站式服务，满足各类居民融 资需求。此外，专业的审批团队借助标准化流程与智能化系统，保障业务高效审批。完善的贷后服务体 系支持贷款存续期内灵活还款，契合客户家庭财务规划需求。 "现在执行的就是 ...

温州市住房公积金管理中心则在6月17日发布消息称，在温州市缴存住房公积金并在市行政区域内购买二手住房的购房人 及其配偶、父母、子女，可向购房所在地公积金管理机构申请提取个人住房公积金账户余额，用于支付购房首付款。 "对于许多有购房需求但存在首付压力的家庭而言，该政策将促进住房公积金成为首付资金的重要来源，有效缓解首付款 筹集压力，有助于促进住房消费的全方位活跃。"上海易居房地产研究院副院长严跃进分析称，目前支持住房公积金用于支付 购房首付款的城市不仅有深圳、杭州等一线、二线城市，也包括了丽水等三线、四线城市。这说明提取住房公积金用于首付的 政策正持续在全国范围内推进，是各地优化住房公积金政策、提振住房消费的重要方向。 本报记者 张芗逸 6月23日，杭州住房公积金管理中心推出住房公积金直付购房首付款业务，缴存职工在杭州市购买的新建商品房可使用公 积金直接支付购房首付款。 据《证券日报》记者统计，6月份以来，已有杭州、深圳、青岛、西安等7个城市拓展住房公积金使用范围，支持缴存人提 取住房公积金支付首付款。 例如，西安市住房和城乡建设局等四部门6月19日发布的《西安市关于促进房地产市场平稳健康发展的若干措施》提出， ...

Core Viewpoint - The Guangzhou Municipal Bureau of Commerce has released a draft plan aimed at boosting consumption, particularly in the housing sector, signaling a potential relaxation of real estate policies in first-tier cities [1][2][3]. Group 1: Policy Changes - The draft plan includes measures to gradually reduce consumption restrictions, optimize real estate policies, and fully cancel purchase, sale, and price limits, as well as lower down payment ratios and interest rates for loans [2][3]. - Guangzhou has already begun to implement these changes, having canceled sale and purchase restrictions in May and September 2024, respectively, while effectively executing price deregulation [2][3]. Group 2: Market Impact - Since the fourth quarter of 2024, Guangzhou's real estate market has shown signs of recovery, with a 22% year-on-year increase in the number of new residential units signed from January to May 2024, totaling 25,659 units [2]. - The inventory of new residential units has decreased to 14.52 million square meters, a 2% decline from the previous month, indicating a stabilization in the market [2]. Group 3: Housing Demand and Urban Development - The draft plan emphasizes the need to better meet housing consumption demands through the renovation of urban villages and old residential areas, with plans to invest 100 billion yuan in these projects by 2025 [4]. - The renovation initiatives aim to enhance urban quality, stimulate consumption potential, and promote a virtuous cycle in the real estate market [4]. Group 4: Housing Fund Policy Optimization - The draft also proposes continuous optimization of housing provident fund policies, allowing contributors to withdraw funds for down payments while applying for housing loans [5][6]. - Recent adjustments have increased the monthly withdrawal limit for renters to 2,000 yuan and reduced the withdrawal interval from six months to three months, benefiting families with multiple children [6].

Core Viewpoint - Guangzhou has introduced a new plan to stimulate consumption, focusing on housing policies and aiming to activate the consumption market through various measures [1][2]. Housing Policy - The plan includes the complete removal of purchase, sale, and price restrictions, as well as lowering down payment ratios and interest rates for loans [2][3]. - By 2025, Guangzhou aims to initiate over 150 old residential community renovations and invest 100 billion yuan in urban village transformations [2][4]. - The city is also looking to utilize special loans to purchase existing properties for resettlement purposes [4]. Market Context - Following the lifting of housing purchase restrictions in September last year, the current plan emphasizes further optimization of housing policies, particularly regarding public housing funds [2][3]. - The average mortgage rates in Guangzhou are currently low, with first-time home loan rates at 3% and public housing fund rates at 2.6% [3][4]. Broader Implications - The emphasis on housing consumption reflects its strategic importance in driving economic growth and consumption upgrades, as noted by experts [2][6]. - Other regions, such as Jiangsu and Shenzhen, are also incorporating housing consumption into their consumption stimulation plans, indicating a nationwide trend [6][7]. Investment and Development - Significant investments are being made in urban renewal projects, with Huangpu District reporting new construction areas of 1.05 million square meters since 2025 [5]. - The acceleration of urban renewal projects in Guangzhou is evident, with several key projects resuming after delays [4][5]. Economic Outlook - Analysts suggest that the push for housing consumption will help stabilize the real estate market and enhance residents' financial health, potentially leading to a rebound in housing prices [8].

3月，一线城市新建商品住宅销售价格同比下降2.8%，降幅比上月收窄0.2个百分点。其中，上海上涨 5.7%，北京、广州和深圳分别下降5.7%、7.2%和3.9%。二线城市新建商品住宅销售价格同比下降 4.4%，降幅比上月收窄0.3个百分点。三线城市新建商品住宅销售价格同比下降5.7%，降幅比上月收窄 0.2个百分点。 "根据简单算术平均计算，从3月一、二、三线城市的房价指数环比涨幅数据看，分别为0.1%、0.0% 和-0.2%。而同比涨幅则为-2.8%、-4.4%和-5.7%。三类城市环同比指标均有持续改善的表现，尤其是同 比跌幅指标在继续收窄。我们认为，一季度是环比指标由跌转涨的关键期，而二季度将是同比指标由跌 转涨的关键期，这也意味着房价拐点正在到来。"严跃进说。 3月商品住宅销售价格环比上涨城市个数增加 一季度房地产市场形势整体好转 4月16日，国家统计局发布2025年3月商品住宅销售价格变动情况统计数据。数据显示，3月，住房市场 成交活跃度提升，在70个大中城市中，商品住宅销售价格环比上涨城市个数增加。国家统计局副局长盛 来运表示，一季度房地产市场整体形势好转，无论是一线城市还是二三线城市，无论是新房 ...