人民财讯11月28日电，现房销售制度，是构建房地产发展新模式的关键举措。《人民财讯》记者独家获 悉，全国多地正在研究谋划现房销售支持政策，有力有序推进现房销售试点，力争进一步提高现房销售 占比。其中，"十五五"时期，四川省将鼓励各地逐步提高预售条件，优化预售资金监管，有力有序推进 现房销售试点。鼓励各地通过适当下调土地竞买保证金缴纳比例，放款分期开发和价款缴纳时间，优化 调整开竣工时间，允许分期分宗办理建设用地使用权登记等方式，支持房企现房销售。鼓励金融机构按 照依法合规、风险可控、商业可持续的原则,优先向现房销售试点项目提供开发贷款,开发贷期限延长至 现房销售阶段。积极对商品房现房销售试点项目依法依规落实税费优惠政策。 同时，"十五五"时期，重庆将进一步完善现房销售制度，建立现售备案管理制度，完善备案流程，力争 全市现房销售占比进一步提高，研究谋划现房销售支持政策，稳步推进现房销售制度改革。另外，福建 省将进一步细化完善省级"十五五"住房发展规划，推动现房销售制，研究制定差异化政策措施；安徽将 坚持一城一策有力有序推进商品房现房销售工作；广东将持续完善房地产开发、融资、销售等相关政 策，加快推进现房销售相关 ...

人民财讯11月28日电，现房销售制度，是构建房地产发展新模式的关键举措。《人民财讯》记者独家获 悉，全国多地正在研究谋划现房销售支持政策，有力有序推进现房销售试点，力争进一步提高现房销售 占比。其中，"十五五"时期，四川省将鼓励各地逐步提高预售条件，优化预售资金监管，有力有序推进 现房销售试点。鼓励各地通过适当下调土地竞买保证金缴纳比例，放款分期开发和价款缴纳时间，优化 调整开竣工时间，允许分期分宗办理建设用地使用权登记等方式，支持房企现房销售。鼓励金融机构按 照依法合规、风险可控、商业可持续的原则，优先向现房销售试点项目提供开发贷款，开发贷期限延长 至现房销售阶段。积极对商品房现房销售试点项目依法依规落实税费优惠政策。 同时，"十五五"时期，重庆将进一步完善现房销售制度，建立现售备案管理制度，完善备案流程，力争 全市现房销售占比进一步提高，研究谋划现房销售支持政策，稳步推进现房销售制度改革。另外，福建 省将进一步细化完善省级"十五五"住房发展规划，推动现房销售制，研究制定差异化政策措施；安徽将 坚持一城一策有力有序推进商品房现房销售工作；广东将持续完善房地产开发、融资、销售等相关政 策，加快推进现房销售相关 ...

Core Viewpoint - The recent optimization of housing provident fund policies across various cities in China reflects a broader trend of supportive measures aimed at revitalizing the real estate market, particularly as the end of the year approaches and developers increase their sales efforts [2][4][9]. Group 1: Policy Changes - Zhengzhou Housing Provident Fund Management Center has launched an online application channel for personal housing loans, significantly reducing the processing time for loan applications [2]. - Luoyang and Zhumadian in Henan Province have also optimized their provident fund policies by increasing loan limits and extending loan terms [2]. - Multiple cities, including Chongqing and Nanjing, have recently implemented similar optimizations to their provident fund policies [2]. Group 2: Specific Measures - In October, over 30 new housing policies were introduced across various regions, with about half focusing on provident fund adjustments, such as increasing loan limits and extending repayment periods [4]. - Hubei Province has introduced five new policies to enhance the use of housing provident funds, including raising loan limits and removing restrictions on withdrawals for purchasing homes in different locations [4]. - Huanggang City in Hubei has introduced measures allowing families with children under six to withdraw funds for child-friendly home modifications, with a cap of 50,000 yuan per account [5]. Group 3: Long-term Institutional Development - The optimization of provident fund policies is part of a larger trend of continuous policy support for the real estate market, transitioning from city-specific measures to district-level strategies [7]. - Chengdu's Qingyang District has announced six support measures aimed at promoting healthy real estate market development, including incentives for purchasing homes for educational purposes and encouraging the construction of high-quality housing [7]. - The implementation of a comprehensive system for selling completed homes has been initiated in Pingjiang County, Hunan Province, with a focus on improving the efficiency of real estate transactions [8]. Group 4: Market Outlook - Analysts suggest that the combination of short-term stimulus measures and long-term institutional reforms is likely to lead to a "tailwind" effect in the real estate market as the year ends, with increased activity from developers [9].

Core Viewpoint - The recent optimization of housing provident fund policies across various cities indicates a continued release of favorable policies for the real estate market, with a focus on digital transformation and enhanced loan accessibility [1][3][8]. Group 1: Policy Changes - Zhengzhou Housing Provident Fund Management Center has launched an online application channel for personal housing loans, significantly shortening the loan application cycle for contributors [1]. - In Henan Province, cities like Luoyang and Zhumadian have increased the maximum loan amounts and extended loan terms, while also allowing the use of provident funds for upgrading old residential elevators [1][5]. - Other cities, including Chongqing and Nanjing, have also optimized their provident fund policies, reflecting a broader trend of policy enhancement in the real estate sector [1][3]. Group 2: Policy Implementation - The housing provident fund policy remains a crucial tool for regulating the real estate market, with over 30 new policies introduced in October, half of which pertain to provident fund adjustments [3]. - Hubei Province has implemented five new measures to optimize the use of housing provident funds, including increasing loan limits and expanding the scope of fund applications [3][5]. - Recent policies have eliminated the difference in loan limits between first and second homes, with the maximum loan amount increased by at least 20% for high-quality residential projects [5][6]. Group 3: Long-term Institutional Development - The optimization of provident fund policies is part of a broader trend of releasing favorable real estate policies, with a shift from city-specific measures to district-level strategies [8][10]. - The introduction of measures supporting the sale of existing homes and the promotion of "good housing" construction standards indicates a focus on long-term institutional reforms in the real estate sector [9][10]. - The recent push for "good housing" policies and the implementation of credit scoring for real estate companies in Fuzhou reflect a tightening of regulations aimed at ensuring market stability [10].

Core Viewpoint - The recent optimization of housing provident fund policies across various cities indicates a continued release of favorable policies for the real estate market, aiming to stimulate housing consumption and support market stability [2][6][9]. Group 1: Policy Changes - Zhengzhou Housing Provident Fund Management Center has launched an online application channel for personal housing loans, allowing employees to apply for loans digitally, significantly shortening the application period [1]. - In Henan Province, cities like Luoyang and Zhumadian have also optimized their provident fund policies, with Zhumadian increasing the maximum loan amount and extending loan terms, while Luoyang emphasizes the use of funds for updating old elevators [1]. - Other cities, including Chongqing and Nanjing, have also made similar adjustments to their provident fund policies, reflecting a broader trend of policy optimization in the real estate sector [2]. Group 2: Market Implications - Analysts suggest that as the year-end approaches, real estate companies are increasing their sales efforts, and with the support of various favorable policies, the market may experience a "tail-up" trend [3][9]. - The housing provident fund policy has been a crucial tool for regulating the real estate market, with over 30 new policies introduced in October alone, half of which pertain to provident fund adjustments, focusing on increasing loan limits and optimizing withdrawal processes [3]. - The recent policies include measures such as unifying loan limits for first and second homes, increasing maximum loan amounts for high-quality housing, and adjusting down payment ratios for affordable housing [3][4]. Group 3: Long-term Structural Changes - The ongoing optimization of provident fund policies is part of a broader trend of deepening and refining real estate policies, with a shift from city-level to district-level strategies [2][7]. - Long-term institutional reforms are also being implemented, such as the promotion of "good housing" policies and the introduction of regulations for selling completed properties, which aim to enhance market transparency and consumer confidence [8][9]. - The focus on "good housing" includes establishing design standards and improving the quality of housing supply, indicating a shift towards more sustainable and consumer-oriented development in the real estate sector [9].

Core Viewpoint - The reform of the commodity housing pre-sale system is set to be advanced in 2025, with a focus on promoting the sale of existing homes and tightening regulations on pre-sale permits and funding management [2][3][4]. Policy Changes - The recent announcement from Xinyang, Henan Province, mandates that new projects must reach the main structure's completion before applying for pre-sale permits, and all newly developed land must implement existing home sales [2][3]. - The central government's 2024 policy direction emphasizes reforming real estate financing and the pre-sale system, aiming to optimize the supervision of pre-sale funds and promote the sale of existing homes [2][3]. Market Impact - Xinyang is the first city to fully implement existing home sales, which may have limited short-term effects due to the city's weak real estate market and low land transaction volumes [3][6]. - The existing home sales policy aligns with the central government's goal of "strictly controlling increments" in regions with high inventory levels [3][4]. Risk Management - The policy aims to mitigate risks by enforcing strict conditions for pre-sale permits, regulating pre-sale fund usage, and ensuring that project development companies adhere to financial regulations [4][5]. - Measures include prohibiting the diversion of funds and ensuring that developers have sufficient own capital for projects, addressing issues that led to previous construction halts and defaults [5][6]. Background and Trends - The push for existing home sales is part of a broader trend, with over 30 provinces and cities having introduced related policies since late 2022, following significant market disruptions [7][8]. - National statistics indicate a significant increase in existing home sales, with a 19.1% year-on-year growth in 2024, reflecting a shift in buyer preferences towards completed properties [9]. Future Outlook - Experts suggest that while the current focus is on regions with high inventory, the transition to existing home sales may not be uniform across all areas, particularly in regions with lower inventory levels [10][12]. - The ongoing adjustments in the real estate market indicate a cautious approach to implementing stricter sales regulations, allowing for a balanced recovery of both the market and developers [11][12].