同日，沈阳市也宣布实施新一轮住房公积金贷款政策优化方案，具体涉及5个方面：延长最低首付比例 政策；延长贷款次数认定标准；放宽特定群体"商转公"条件；提高"商转公"贷款额度，将"商转公"贷款 的最高比例限额，由房屋价格的60%提升至80%；扩大新市民、青年人政策覆盖面，将新市民、青年人 享受住房公积金贷款额度上限提高至1.3倍的政策适用范围，从原先仅限购买新建商品房，放宽至涵盖 新建商品房和二手自住住房。 2026年伊始，围绕住房公积金、购房补贴等着力点，多地再出新政持续激活住房需求。 1月7日，厦门市住房公积金管理委员会连发四份优化调整住房公积金政策的文件，涉及住房公积金提取 和贷款，优化住房公积金支付现售商品住房和再交易住房购房首付款，以及购买直管公房住房公积金政 策。在优化调整住房公积金贷款政策方面，厦门市进一步提出，多子女家庭（二孩及以上，其中至少有 一名未成年子女）申请住房公积金贷款的，在现有政策可贷额度基础上增加25万元。 除围绕住房公积金政策继续优化调整外，记者注意到，年初以来，多地在提振购房消费过程中，也在不 断加速购房补贴政策的落地。 1月6日，河南省发布的《推动2026年第一季度经济发展实现 ...

开年以来，多地发布楼市新政。 1月7日，沈阳优化5项住房公积金贷款政策，包括延长最低首付款比例15%的政策适用期限，提高"商转公"贷 款比例限额，放宽新市民、青年人贷款政策等。 沈阳住房公积金管理中心有关负责人表示，这次政策调整进一步释放住房公积金低息贷款政策红利，降低了购 房资金压力，同时也能更好地支持合理住房消费，促进房地产市场平稳健康发展。 1月6日，河南发布《推动2026年第一季度经济发展实现良好开局若干政策措施》，其中提出，积极支持住房消 费。支持各地因地制宜发放购房补贴、契税补贴，组织住房促销活动200场（次）以上，支持各地加快发行地 方政府专项债券收购存量商品房用作保障性住房，加快推进郑州、洛阳市127个专项借款城中村改造项目建 设。 沈阳优化5项公积金贷款政策 1月7日，沈阳市召开"进一步优化住房公积金贷款政策"新闻发布会。 沈阳住房公积金管理中心副主任李赞介绍，为深入贯彻中央经济工作会议精神，更好支持刚性和改善性住房需 求，经沈阳住房公积金管理委员会审议通过，2026年1月起优化5项住房公积金贷款政策，具体内容发布如下： 一是延长最低首付款比例政策期限。将2024年11月实施的住房公积金贷款 ...

特此公告。 荆州市住房和城市更新局 2025年12月15日 广大市民朋友： 为切实保障购房群众合法权益，确保购房补贴政策精准落地，现就中心城区购房补贴申请及核销关键时限事宜公告如下： 我市中心城区购房补贴政策即将到期，补贴申请截止时间为2025年12月23日，补贴券核销截止时间为2025年12月31日。 凡符合补贴条件的市民（包括学历类、二孩及以上家庭类、农村户籍类、现役军人及退役军人等特殊群体类），请务必在规定 时限内，备齐相关证明材料，通过 "荆州住房供应链" 微信小程序提交补贴申请。已成功申领购房补贴券的市民，需在核销截止 日前完成房源选定及补贴券核销，完成商品房买卖合同网签备案。逾期未提交申请或未完成核销的，将视同自动放弃补贴资 格，不再补办相关手续。 来源 |局房地产市场监管科 ...

Core Insights - The survey conducted by China Youth Daily indicates that over 60% of respondents consider housing security as a crucial factor when choosing employment cities [2][4] - The most valued housing-related guarantees among respondents include rental policies for dormitories and talent apartments (73.17%), rental subsidies (72.26%), and short-term free accommodation during job hunting (50.15%) [2][8] Housing Policy Preferences - Respondents prioritize rental support and short-term guarantees, with significant interest in policies like rental subsidies and transitional housing options [8][12] - There is a strong demand for comprehensive support systems that not only provide housing but also enhance living quality and career development opportunities [8][12] Information Channels - The channels through which students obtain housing policy information are diverse, with social media (64.75%) and on-campus presentations (59.42%) being the primary sources [4][10] - There is a call for improved communication of housing policies, with suggestions for clearer guidelines and more accessible information dissemination methods [9][10] Awareness and Understanding - A significant portion of respondents (47.46%) reported being unclear about the housing policies in their target cities, indicating a need for better education and awareness [6][11] - Students express a desire for more straightforward application processes and longer-term policy effectiveness, with 43.75% hoping for policies to remain in place long-term [12] Market Regulation and Transparency - Respondents emphasize the importance of regulating the rental market to eliminate issues such as black market agents and unclear housing conditions [11] - There is a demand for transparency in rental costs and housing information, with students advocating for more equitable housing policies that cater to a broader range of graduates [11][12]

Core Insights - Tmall Housing has officially entered the Texas real estate market, launching its first project, "Dadongguan Yijingyuan," with a "100 billion housing subsidy" policy aimed at revitalizing the local market [1][2] - The collaboration between Tmall Housing and Dadongguan Yijingyuan is seen as a model for "platform empowerment + quality housing" in Texas, but its effectiveness in stimulating the market remains uncertain [1] Group 1: Market Impact - Tmall Housing's entry may force the industry to undergo digital transformation, impacting traditional real estate agencies, particularly smaller ones that rely on information asymmetry [1] - The influence of real estate platforms on agencies is showing a "differentiation effect," where larger agencies can collaborate with platforms, while smaller ones may face elimination [1][2] Group 2: Subsidy Analysis - The "100 billion subsidy" claim has been criticized as vague, with concerns that actual discounts may be limited to specific properties and not significantly advantageous compared to existing local policies [2] - The lack of transparency regarding the specific subsidy amounts for the Texas region raises questions about the credibility of the "100 billion" figure, as past operations in other cities suggest much lower subsidy levels [2] Group 3: Consumer Caution - Consumers are advised to be cautious of the "limited" and "coupon-redeemable" subsidy structures, which may not provide substantial savings [2] - The relationship between platforms and agencies should evolve towards a symbiotic model of "online lead generation + offline services" to foster sustainable market development rather than reliance on subsidies [2]

Core Viewpoint - The real estate market in China has shown signs of stabilization in 2025, with various policies introduced to support the market, particularly in major cities like Beijing, Shanghai, and Shenzhen [2][3][9]. Policy Measures - Over 470 policies have been introduced across approximately 200 provinces and cities to stabilize the real estate market, with a focus on demand stimulation and supply optimization [3][6]. - Key demand-side policies include adjustments to housing provident fund regulations, home purchase subsidies, and the relaxation of purchase restrictions in core cities [6][9]. - Notable examples of financial support include subsidies for families with multiple children purchasing larger homes, and the introduction of innovative financial products to lower monthly payments [6][10]. Market Performance - The first three quarters of 2025 saw a recovery in transaction volumes in first-tier cities, with both new and second-hand home sales showing positive trends [9][10]. - In Beijing, new home sales increased by 19% month-on-month and 20% year-on-year in September, while second-hand home transactions rose by 22% month-on-month [9]. - Shanghai experienced a 31% month-on-month increase in new home sales following policy changes, with second-hand home sales also improving [10]. Supply-Side Adjustments - Local governments are actively managing supply by controlling new land releases and reducing inventory, with over 4,600 parcels of idle land identified for potential repurposing [8][12]. - The focus on revitalizing existing housing stock is evident, with significant amounts of special bonds issued for the acquisition of unsold properties [8]. Future Directions - The real estate sector is shifting towards high-quality urban development and the construction of "good houses" to meet evolving housing demands [13][15]. - Central government initiatives emphasize urban renewal and the improvement of existing housing, with policies aimed at enhancing living conditions and promoting sustainable development [14][15]. - The market is expected to continue its stabilization efforts, with future policies likely to focus on stimulating demand for improved housing and optimizing supply [15].

Core Insights - The article highlights the ongoing efforts and innovative policies implemented across various regions to stabilize and revitalize the real estate market as of the third quarter of 2025 [1][7]. Policy Measures - Over 470 real estate-related policies have been introduced across approximately 200 provinces and cities, with more than 120 policies launched in the third quarter alone [1]. - Key measures include the expansion of housing provident fund withdrawal options and targeted home purchase subsidies, particularly for families with multiple children [2][3]. Housing Provident Fund Adjustments - In the third quarter, around 60 adjustments to housing provident fund policies were made, including increased loan limits and extended repayment periods [2]. - Notably, Guangzhou has expanded the provident fund's applicability to second-hand homes, easing the financial burden for buyers [2]. Purchase Subsidies - Purchase subsidies have been significantly increased, especially for families with multiple children, with some regions offering subsidies amounting to tens of thousands of yuan [3]. Financial Innovations - Regions are encouraging commercial banks to provide "low monthly payment" financial products, which are expected to lower the barriers to home buying and boost market confidence during the traditional peak season [4]. Supply and Demand Improvements - Various regions are actively working to improve the supply-demand relationship by acquiring idle land and existing properties, and rationally supplying real estate land [5]. - As of September 27, over 4,600 idle land parcels have been earmarked for acquisition, covering more than 24 million square meters, with a total value exceeding 620 billion yuan [5]. Conversion of Existing Properties - Policies are being implemented to support the conversion of existing commercial properties into residential or public service uses, which can alleviate financial pressures on developers [6][7]. - The overall policy direction in the third quarter has focused on stimulating demand through refined provident fund and subsidy policies while accelerating the clearance of existing inventory [7].

Core Viewpoint - The central government maintains a "stop falling and stabilize" tone for the real estate market in Q3 2025, signaling positive developments as local policies are actively implemented to support this direction [1][27]. Policy Implementation - Since the beginning of 2025, approximately 470 policies have been introduced across about 200 provinces and cities, with over 120 policies released in Q3, a decrease from 175 in Q2 [1][5]. - The focus of these policies includes urban renewal, stimulating demand, optimizing supply, and establishing a new model for real estate development [1][27]. Urban Renewal Initiatives - The central government emphasizes high-quality urban renewal and gradual promotion of the renovation of urban villages and dilapidated housing [7][26]. - Important meetings in Q3 highlighted the transition of urbanization from rapid growth to stable development, with urban renewal as a key focus [7][8]. Demand Activation Measures - The government aims to release improvement demand through various measures, including optimizing housing fund loans and increasing purchase subsidies, particularly for families with multiple children [11][12][13]. - Local governments are adjusting policies to enhance housing demand, such as increasing loan limits and relaxing purchase restrictions in major cities like Beijing, Shanghai, and Shenzhen [12][13][27]. Supply Optimization Strategies - The central government is focused on identifying and revitalizing existing resources, including land and housing, to improve market supply-demand relationships [15][16]. - Local governments are actively acquiring idle land and housing, with over 4,600 parcels of idle land identified for acquisition, totaling over 2.4 million square meters and exceeding 620 billion yuan in value [17][20]. "Good Housing" Development - The central government continues to promote the construction of "good housing" as part of a new real estate development model, emphasizing safety, comfort, and sustainability [26][27]. - Various cities are implementing technical standards for "good housing" to enhance project quality and provide better living conditions [26]. Future Expectations - The government is expected to continue releasing supportive policies in Q4 2025, focusing on stabilizing expectations, activating demand, and optimizing supply [27][28]. - Urban renewal policies are anticipated to accelerate, contributing to the stabilization of the real estate market [28].

Core Points - Local governments are facing financial strain, leading to delays in the disbursement of talent and housing subsidies [1][2] - The situation is not isolated to Haiyang; other regions like Jiangyong County in Hunan and Ningdu County in Jiangxi are experiencing similar issues with subsidy payments [3][2] Financial Situation - Haiyang's general public budget revenue increased from 2.82 billion to 3.254 billion from 2019 to 2024, indicating slow growth [4] - The government fund revenue in Haiyang is projected to be approximately 2.269 billion in 2024, a year-on-year decrease of about 24% [4] - The local budget report highlights challenges such as a complex external environment, insufficient growth in real estate, and a weak industrial base contributing to financial difficulties [4] Budget Execution - In the first half of the year, Haiyang's general public budget revenue was approximately 2.038 billion, a year-on-year increase of about 5.6%, surpassing the initial annual growth estimate of 3.5% [5][6] - The government fund revenue was about 260 million, indicating a significant gap from the projected annual revenue of 3.74 billion [6] - Haiyang plans to enhance tax collection, optimize expenditure structure, and focus on major investment projects to stimulate growth and increase fiscal revenue [6]

Core Viewpoint - The article emphasizes the importance of addressing housing issues for multi-child families as part of broader fertility support and housing policies across various regions in China [1] Group 1: Policy Measures - Beijing has introduced measures to enhance housing support for multi-child families, including increasing the public housing fund loan limits and providing various subsidies [1][2] - Over 80 regions have implemented housing support policies for multi-child families this year, focusing on increasing public housing fund loan limits, offering purchase subsidies, and adjusting housing recognition standards [1][2] - Experts predict that more cities will follow suit by raising public housing fund loan limits and expanding the range of subsidies to alleviate the financial burden on multi-child families [1][2] Group 2: Public Housing Fund as a Key Tool - The public housing fund has become a central policy tool for supporting reasonable housing demand, with approximately 180 optimizations made across various regions this year [2] - Specific measures include raising the public housing fund loan limits for multi-child families, with some cities increasing the limit by up to 50% [3][4] Group 3: Subsidies and Housing Recognition - Various regions are providing purchase subsidies to reduce the financial burden on multi-child families, with specific amounts based on the number of children [4] - Many provinces are optimizing the housing recognition standards for multi-child families, allowing them to apply for loans under first-home policies even when purchasing a second home [4][5] Group 4: Diverse Housing Supply - A multi-faceted housing supply system is necessary, combining market-based housing with strengthened support for affordable housing options [6] - Policies are being introduced to prioritize public rental housing for families with multiple children, ensuring they have access to suitable housing [6] Group 5: Rental Housing Policies - The rental housing market is recognized as a crucial avenue for alleviating housing pressure on multi-child families, with policies allowing them to withdraw from the public housing fund based on actual rent paid [7] - Experts highlight the need for targeted rental policies to address the immediate housing needs of multi-child families [7][8] Group 6: Broader Support for Families - Recent policies are expanding support to include one-child families, reflecting a shift towards a more inclusive approach in housing support [8] - The overall goal is to create a fertility-friendly housing environment while also addressing the housing market's inventory issues [8]