近日，多地发布楼市新政。 此外，新政还提出，加大存量土地"收调供"力度，鼓励通过依法协商收回（收购）、协议置换等措施或使用专 项债券回收闲置存量土地，回收后的土地可按照城市发展需要优化调整规划用途后重新供应。促进商服用地转 型利用，允许土地使用权人申请对已出让未开发的商服用地地块内部细分地类之间功能转换，并按规定补缴土 地出让金。探索存量合法商办用房按现状临时转换用于保障性住房、医疗、养老、文化创意、体育健身、旅游 休闲等公共服务或经营性用途，并按规定缴交用途转换土地价款或土地收益。 郑州拟出台"房屋体检"新规 11月18日，郑州市住房保障局发布《关于印发郑州市城镇房屋安全管理"三项制度"试点实施方案及工作细则的 通知(征求意见稿)》。 新政指出，加快建立"三项制度"体系，推进房屋全生命周期安全管理，保障城镇房屋使用安全。一是建立城镇 房屋安全管理资金专项账户，构建涵盖资金账户设立、交存、使用、补充、监管的城镇房屋安全管理资金（以 下简称："房屋安全管理资金"）制度。二是建立城镇房屋安全体检政策与技术制度体系，确定房屋体检机构， 开展城镇房屋安全体检工作（以下简称："房屋体检"）。三是建立城镇房屋质量安全保险 ...

Core Viewpoint - The launch of the first batch housing safety insurance product in Shenzhen aims to provide comprehensive coverage for aging buildings, addressing risks such as structural collapse and personal injury from falling objects [1][2]. Group 1: Insurance Product Details - The insurance covers 990 aging buildings in the Luohu district, primarily those over 30 years old, with specific focus on the Huangbei and Donghu streets [1]. - The insurance service is a collaboration between the Luohu District Financial Services Office and China People's Property Insurance Shenzhen Branch, utilizing market mechanisms for regular inspections and assessments [1]. Group 2: "Fee Reform and Insurance" Model - The insurance initiative is part of the "Fee Reform and Insurance" model proposed by Luohu, which aims to shift from traditional government subsidies to direct insurance or premium subsidies for risk management [2]. - The model is designed to transform passive compensation into proactive monitoring, early warning, and remediation of potential hazards [2]. Group 3: Responsibilities of the Insurance Company - The insurance company will establish a professional inspection team and employ smart monitoring tools for comprehensive safety checks of insured properties [3]. - A dedicated insurance fund will be created to provide coverage for structural damage, third-party property loss, and personal injury due to accidents [3]. - An information management platform will be developed for online classification and management of properties, generating risk assessment reports to support government decision-making [3]. Group 4: Project Implementation and Scope - Luohu has identified 28 application scenarios and over 40 projects in the "Fee Reform and Insurance" domain, with nine projects already implemented [3]. - The district has a strong foundation for innovation in property insurance, with seven of the top ten property insurance companies in Shenzhen located in Luohu [2].