2023.01: Raise the pre-sale door and try to sell existing houses;The National Conference on Housing and Urban-Rural Development was heldIn the next five years, the threshold for pre-sale will be gradually raised, and qualified localities will be encouraged to take the lead in carrying out existing home sales. Be reasonable just. Policy support should be given to families who trade in the old for the new, the small for the large, and those who have many children.
2023.02: Fully implement the registration mode of "transfer with mortgage" for second-hand housing transactions;In order to further optimize the business environment and meet the urgent needs of the people, China will comprehensively promote the "mortgage transfer" of real estate in accordance with the clear requirements of the Civil Code.
2023.06: The central bank cut the LPR interest rate by 10 basis points;The central bank cut the lending rate again, by a full 10 basis points from May, and the lending rate for loans with a maturity of more than five years fell to 42％
2023.07: The two departments of the State Administration of Financial Supervision of the Central Bank issued a document to extend the term of "16 financial bailouts" for real estate;Among them, two key changes have been made: one is to postpone the stock financing of real estate enterprises, and the other is to postpone the financing of special loans to promote the "guaranteed delivery of buildings", and the real estate will develop in a more stable and healthy direction.
2023.08: The minimum down payment ratio for the first house is 2 percent, and for the resident families who take out loans to purchase commercial housing, the minimum down payment ratio for the first house commercial personal housing loan is not less than 20;The minimum down payment ratio for commercial personal housing loans for second housing is not less than 30
To adapt to the new situation of major changes in the relationship between supply and demand in China's real estate market, implement adjustment and optimization of real estate policies, and make good use of the policy toolbox according to urban policies, so as to better meet the needs of residents for rigid and improved housing, and promote the steady and healthy development of the real estate market.