2025年楼市"金九银十"周期正式收官，综合市场数据来看，一线城市成交量在10月虽环比有所回落，但 整体呈现趋稳态势。 价格方面，以价换量仍是市场主流。业内人士认为，修复购房者对房价的信心、稳定预期是当前推动市 场回稳的关键。 年末房企加大力度促销 从重点一线城市表现看，各个城市表现各异，但分化特征显著。以二手房市场为例，记者综合多家机构 的数据发现，北京楼市在9月高位运行后，10月市场有所降温，二手房住宅网签12087套，环比下调 23.7%；10月上海二手房累计成交18483套（含车位、商业），环比9月下跌9.83%；10月深圳新房住宅 环比下降14.1%，二手住宅网签量环比下降7.7%。此外，广州市房地产中介协会发布的数据显示，10月 （统计周期为9月26日至10月25日），广州市二手住宅网签套数和面积分别为7479套、74.32万平方米， 相比9月均有所下降。 不过，市场人士普遍认为，从绝对规模看，今年"金九银十"期间一线城市的交易量并不低，在通常情况 下10月的楼市成交也会受到长假影响，市场成交节奏被打乱，成交量环比下跌在意料之中。与此同时， 据深圳市房地产中介协会统计数据显示，截至10月深圳二手房 ...

Core Viewpoint - The Hong Kong mortgage market is showing signs of recovery, with an increase in new mortgage insurance applications and amounts, reflecting a rebound in the property market since May 2023 [1] Group 1: Mortgage Insurance Data - In July 2025, the number of new mortgage insurance applications increased by 7.7% month-on-month to 1,532 cases, marking a one-year high [1] - The total amount of new mortgage insurance also rose by 9.2% month-on-month to 7.5 billion HKD, reaching an 11-month high [1] - Conversely, the number of new mortgage insurance utilizations decreased by 10.4% month-on-month to 629 cases, with the amount dropping by 7% to 3 billion HKD, reflecting a lag in the market's response to previous downturns [1] Group 2: Average Mortgage Amount and Market Factors - The average mortgage amount for new applications slightly decreased from 4.66 million HKD in June to 4.60 million HKD in July, attributed to a policy that exempted stamp duty for properties below 4 million HKD, leading to a higher proportion of lower-priced properties in the market [1] - Positive factors for the Hong Kong property market have emerged since the second quarter of this year, including a decline in interest rates and an increase in rental prices, which have eased the financial burden of homeownership [1] - The improved economic growth and rising market confidence are expected to sustain the momentum in the property market, supporting future mortgage and insurance figures [1]

Group 1 - The real estate market in the region has shown signs of recovery this year, with an increase in market activity [1] - In the first quarter, the total sales area of commercial housing reached 7.146 million square meters, a year-on-year increase of 23.8%, ranking 13th nationwide [1] - Various incentive policies have been introduced to lower the threshold for home purchases and boost consumer confidence, including financial subsidies and consumption vouchers [1] Group 2 - The first quarter saw a significant increase in inquiries and visits to new housing projects, with a quarter-on-quarter sales area increase of 10.2% [1] - Eight cities in the region reported year-on-year growth, while 13 cities experienced quarter-on-quarter growth [1] - A total of 20.1 billion yuan was withdrawn from housing provident funds for home purchases, with 36.21 billion yuan in loans issued to 8,523 individuals [1] Group 3 - The promotion of the "mortgage transfer" service model for second-hand housing has been implemented, allowing properties with existing mortgages to be transferred without prior loan repayment [2] - In the first quarter, the transaction area of second-hand houses reached 300.26 million square meters, a year-on-year increase of 43.14% [2] - The total transaction amount for second-hand houses was 14.673 billion yuan, up 32.10% year-on-year, with specific increases in both area and transaction amounts for second-hand housing [2]