记者在深圳多区对新房项目采访时了解到，多位购房者表示，期待更多降低购房压力的新政策，包括房 贷利率能够进一步下调，特别是公积金贷款利率。此外，购房者也期待"因城施策"调减限制性措施，一 线城市的限购等政策仍有进一步优化空间。上海易居房地产研究院副院长严跃进表示，今年以来各地出 台的政策数量较多，这也说明各地对稳楼市的重视。各地楼市支持政策全方位发力，政策核心聚焦于为 购房者提供最大程度的优惠。 有机构观点认为，从近年政策出台时机来看，4月份往往是政策窗口期，更多"稳地产"政策出台也将备 受期待。广东省住房政策研究中心首席研究员李宇嘉表示，目前处于存量政策应出尽出，但增量政策还 在落地的过程中，导致政策对市场情绪带动、销量带动的作用有所减弱。在新的外贸形势下，内需的作 用显得尤为突出，而房地产对内需的贡献度最大。对于内需，过去重视资本和投资拉动，现在更重视的 是消费驱动。对于住房的消费驱动，接下来的政策方向主要还是针对降成本和降门槛，其中就包括公积 金的贷款利率下调仍有空间。除此之外，存量房收储的新动作也值得关注。 也有业内人士认为，在关键时刻推出一揽子创新政策"组合拳"，可以帮助市场恢复信心，持续释放政策 红 ...

Core Viewpoint - Suzhou has initiated a new round of market rescue measures for 2025, focusing on lowering the barriers for home purchases through innovative financial products aimed at young people and new residents [1][14]. Group 1: Financial Products - The "three lows and one wide" financial products include low down payment (15%), low interest rates (minimum commercial loan rate of 3%), low monthly payments (minimum repayment of 100 yuan principal for the first five years), and extended repayment terms [2][3][4]. - An example illustrates that for a 2 million yuan home, the down payment would be 300,000 yuan, with 80,000 yuan covered by talent housing vouchers, leading to a loan of 1.7 million yuan at a 3% interest rate. The first month's payment would be reduced from 8,972 yuan to 4,350 yuan, a decrease of approximately 51% [5][10]. Group 2: Real Estate Market Trends - Suzhou's average second-hand housing price has fallen below 17,000 yuan per square meter, with significant price drops observed since 2019 [15][28]. - From 2019 to 2023, the total transaction area of commercial housing in Suzhou decreased from 21.92 million square meters to 17.04 million square meters, a decline of 22.3% [21]. - The average price per square meter dropped from 18,506 yuan in 2021 to 16,681 yuan in 2023, reflecting a 9.9% decrease [22]. Group 3: Economic and Industrial Strength - Suzhou ranks second nationally in industrial strength, with a total industrial output value exceeding 4.7 trillion yuan in 2024, surpassing Shanghai [34]. - The city has a significant number of industries with output exceeding 100 billion yuan, ranking second in the country, with a notable presence in high-tech manufacturing [38][40]. - Despite strong industrial performance, the overall housing market is experiencing a downturn, indicating a disconnect between economic strength and housing prices [41][44].

Core Viewpoint - Suzhou has introduced a new housing policy featuring "three lows and one wide" financial products aimed at reducing the barriers for young people and new residents to purchase homes, thereby stimulating immediate housing demand and enhancing talent retention in the city [1][3][9]. Group 1: Policy Details - The "three lows and one wide" financial products include low down payment (minimum 15%), low interest rates, low monthly payments, and extended repayment terms [3][4]. - The low down payment allows eligible buyers to use talent housing vouchers to offset their down payment, making it easier for them to enter the housing market [4]. - The low monthly payment feature allows some financial institutions to offer customized mortgage products, where buyers can pay as little as 100 yuan in principal for the first five years, significantly reducing initial repayment pressure [5][9]. Group 2: Market Impact - The innovative "low monthly payment" aspect is expected to alleviate concerns about increased repayment risks associated with lower down payments, thus effectively activating housing demand [8][9]. - The policy is anticipated to enhance the willingness of homebuyers to enter the market, contributing to a more active housing transaction environment and attracting more talent and new residents to Suzhou [9]. - The structured financial innovation is seen as a multi-dimensional support system that not only eases initial financial burdens but also provides flexible funding options for buyers, particularly benefiting those with shorter savings accumulation periods [9].