（来源：沈阳晚报） 转自：沈阳晚报 1月7日，沈阳市政府新闻办公室召开新闻发布会，沈阳住房公积金管理中心副主任李赞详细介绍了公积 金贷款五大新政。 沈阳住房公积金管理委员会审议通过并自2026年1月起实施新一轮住房公积金贷款政策优化。此次政策 调整共涉及五个方面，具体如下： 1.延长最低首付比例政策，将2024年11月起实施的住房公积金贷款最低首付款比例15%的政策，适用期 限延长至2026年12月31日。 2.延长贷款次数认定标准，将2025年7月实施的"使用过2次及以上住房公积金贷款，结清后可再申请贷 款"的政策适用期限，同步延长至2026年12月31日。 3.放宽特定群体"商转公"条件，针对灵活就业缴存人、异地缴存职工和现役军人申请商业贷款转公积金 贷款（简称"商转公"），取消原商业贷款已偿还年限的限制。 4.提高"商转公"贷款额度，将"商转公"贷款的最高比例限额，由房屋价格的60%提升至80%。 5.扩大新市民、青年人政策覆盖面，将新市民、青年人享受住房公积金贷款额度上限提高至1.3倍的政策 适用范围，从原先仅限购买新建商品房，放宽至涵盖新建商品房和二手自住住房。 发布会上，李赞副主任就关键政策亮点进 ...

Core Insights - In October, multiple real estate companies launched quality improvement projects during the National Day and Mid-Autumn Festival holidays, leading to a structural increase in new residential prices across 100 cities, with an average price of 16,973 yuan per square meter, a month-on-month increase of 0.28% and a year-on-year increase of 2.67% [1] - Core cities such as Shanghai, Chengdu, and Nanjing showed increased enthusiasm for new launches, with first and second-tier cities experiencing price increases, while third and fourth-tier cities focused on inventory digestion, resulting in price declines [1] - The average price of second-hand residential properties in October was 13,268 yuan per square meter, reflecting a month-on-month decline of 0.84% and a year-on-year decline of 7.60%, indicating significant downward pressure on second-hand prices due to high listing volumes and weak expectations [1] Policy Developments - In October, various local governments implemented policies to optimize the construction of "good houses," with cities like Chengdu and Shenzhen issuing guidelines on building design and project approvals [2] - Several cities, including Hefei, Nanjing, and Chengdu, improved housing fund loan policies by increasing loan limits and optimizing conversion policies for flexible employment [2] - The issuance of over 22.5 billion yuan in special bonds by provinces such as Shandong, Hebei, and Chongqing aimed at recovering idle land, indicating a proactive approach to land management [2] Market Outlook - The short-term outlook suggests that as year-end performance targets approach, an increase in new supply in core cities is expected to support new home sales, while second-hand transaction volumes may also remain stable, although prices may continue to face pressure [2] - The fourth quarter is anticipated to show a high base effect, with significant year-on-year declines in new and second-hand home sales in key cities, leading to expectations of low growth rates in year-end sales volumes [2]

Core Viewpoint - The new housing provident fund loan policy in Beijing has significantly increased the volume of loan applications, indicating a strong response from the market to the policy changes [1][3]. Summary by Relevant Sections Policy Changes - On August 8, Beijing's housing and urban-rural development committee and the housing provident fund management center jointly issued a notification to optimize and adjust real estate-related policies [1]. - The new policy includes expanding the support range for first-time homebuyers using provident fund loans [1]. Impact on Loan Applications - In the first month following the new policy, the number of provident fund loan applications reached 4,340, a 37% increase from 3,167 applications in the same period before the policy was implemented [3]. Specific Outcomes - The policy changes resulted in several specific outcomes: - The recognition range for first-time homebuyers was expanded, with 412 applications previously classified as second homes now recognized as first-time purchases [3]. - The loan amount linked to the duration of provident fund contributions was increased from 100,000 yuan to 150,000 yuan per year, raising the average loan amount to 1.04 million yuan, an increase of 140,000 yuan [3]. - The maximum loan amount for second homes was raised from 600,000 yuan to 1 million yuan, with the average loan amount for second homes increasing by 320,000 yuan to 950,000 yuan [3]. - The minimum down payment ratio for second homes was adjusted to 30%, with an average down payment ratio now at 42%, a decrease of 8 percentage points [3]. Future Plans - The Beijing Housing Provident Fund Management Center plans to continue enhancing policy communication and implementation to support the stable and healthy development of the real estate market [3].

Core Viewpoint - Beijing has introduced significant new policies to relax housing market regulations, aiming to stimulate market demand and promote stable and healthy development in the real estate sector [1][3]. Group 1: Policy Changes - The most notable change is the removal of purchase restrictions for eligible families outside the Fifth Ring Road, allowing them to buy both new and second-hand homes without limits on the number of properties [1][2]. - The new policies also include adjustments for single adults, aligning their purchasing standards with those of families, thus eliminating additional restrictions [1][2]. Group 2: Housing Inventory and Market Impact - The inventory of new homes outside the Fifth Ring Road is high, accounting for 78.7% of the total, making it a primary choice for first-time and upgrading homebuyers. The policy change is expected to facilitate inventory reduction in these areas [1][2]. - The focus on developing areas outside the Fifth Ring Road is part of a broader strategy to alleviate pressure on the city center by guiding population and industry relocation [1]. Group 3: Public Fund Loan Policy Optimizations - The new policies include several optimizations to the public fund loan system, such as relaxing the criteria for first-time homebuyers and increasing loan limits for second homes [2]. - The maximum loan amount for second homes has been raised from 600,000 to 1,000,000 yuan, with potential increases to 1,400,000 yuan for qualifying properties [2]. - The down payment ratio has been lowered, and the requirements for loan eligibility based on contribution years have been adjusted to ease financial pressure on buyers [2]. Group 4: Market Outlook - Overall, the new policies exceed expectations, likely benefiting new and second-hand homes outside the Fifth Ring Road, potentially accelerating developers' sales pace and increasing market activity [3]. - Unlike some cities that have fully lifted purchase restrictions, Beijing's approach remains cautious, maintaining a "step-by-step" strategy with no changes to policies within the Fifth Ring Road [3].

Group 1 - The Beijing Housing Provident Fund Management Center has issued a notice to improve the quality and efficiency of personal housing loan services [1] - The notice includes the cancellation of restrictions on the evaluation of collateral based on the mortgage status of the property [1] - The aim is to create a more efficient and convenient process for second-hand housing loans, allowing for evaluations to proceed even if the property is mortgaged [1]

Core Viewpoint - Zhuhai City has introduced a series of measures to promote high-quality development in the real estate sector, aiming to stabilize and revitalize the housing market through 16 specific initiatives from five government departments [1][2]. Group 1: Measures to Strengthen Land Management - The measures include reasonable control of new real estate land supply and proper handling of idle land [1]. - There is a focus on supporting the construction of new residential products and enhancing the quality control of residential products [2]. Group 2: Enhancing Housing Quality - The initiative aims to promote the continuous advancement of "Four Modernizations" in new residential construction, establishing a quality management system that meets the requirements of new residential projects [2]. - There will be a strengthened quality control for smart home systems to ensure high-quality housing supply [2]. Group 3: Supporting Housing Consumption - A special subsidy of 1% of the new housing contract price will be provided to residents participating in the "old for new" housing exchange, with a maximum subsidy of 30,000 yuan per unit [2]. - The maximum limit for housing provident fund loans for dual-contributing employee families has been significantly increased from 1 million yuan to 1.3 million yuan [2]. Group 4: Accelerating Inventory Property Depletion - The measures include the introduction of housing vouchers for resettlement in government-led urban village renovations and land acquisition projects, aiming to shorten the resettlement period for displaced individuals [2]. - The government will also facilitate the acquisition of existing commercial office buildings for reasonable conversion of their use [1]. Group 5: Strengthening Elemental Guarantees - The new policies will optimize the housing provident fund loan policies and promote the "land acquisition immediately followed by construction, and delivery immediately followed by certification" approach [1]. - The measures will also ease the enrollment process for children of newcomers purchasing newly built commercial housing, allowing them to apply for compulsory education schools with relevant purchase documents [2].