Core Insights - Multiple cities have introduced new housing market policies at the beginning of the year to stimulate housing consumption and support the real estate market's stable development [1][2][5] Group 1: Shenyang Housing Fund Policy Adjustments - Shenyang has optimized five housing provident fund loan policies, effective from January 2026, to better support rigid and improved housing demand [2] - The minimum down payment ratio policy has been extended until December 31, 2026, allowing for a 15% down payment [2] - The limit for converting commercial loans to public loans has been increased from 60% to 80% of the housing price, theoretically increasing the public fund loan amount by 20% [3] - The loan limit for new citizens and young people has been raised to 1.3 times the previous amount, now applicable to both new and second-hand residential properties [4] Group 2: Henan Province Housing Support Measures - Henan Province has introduced policies to support housing consumption, including the issuance of housing purchase subsidies and deed tax subsidies [5][6] - The province plans to organize over 200 housing promotion activities and accelerate the issuance of local government bonds to acquire existing properties for affordable housing [6] - A series of consumption promotion activities are planned, including the distribution of 200 million yuan in provincial consumption vouchers to stimulate spending in key sectors [6]