楼市新策“组合拳”激发市场活力多地房地产市场表现活跃

中国产业经济信...2025-05-21

自上周个人住房公积金贷款利率宣布下调0.25个百分点以后，多个城市接连跟进落地，5年期以上首套房利率降至2.6%，多项政策给房地产市场带来积极影响。来看记者在上海、北京等地的采访报道。在上海，记者走访发现，随着住房公积金贷款利率下调，二手房成交量增长明显。根据上海市房地产交易中心数据显示，下调个人住房公积金贷款利率后的首个周末，二手房日均网签成交量超过1000套。多家房地产中介门店的经纪人告诉记者...

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激发楼市活力除了下调住房公积金贷款利率，近期不少城市也对住房公积金进行了进一步的优化调整。通过支持灵活就业人员缴纳住房公积金、优化住房套数认定标准、提高二套房贷款额度等方式，降低购房成本，进一步激发楼市活力。近日，上海、沈阳等地明确，将个体工商户、自由职业者等灵活就业人员纳入住房公积金缴存范围，灵活就业人员原则上也可享受“多孩家庭公积金贷款支持政策”等多重权益。按照新政策，一旦工作发生变化，账户资金转移也十分方便。灵活就业人员转为单位在职职工的，可将个人住房公积金账户转移至单位；到外省市就业的，可以按规定办理异地转移接续。而在湖北武汉，前不久也对住房公积金贷款政策进行调整，将第二套个人住房公积金贷款最高额度从100万元提高至120万元，与首套房保持一致。青岛、长春则明确加大对多子女家庭购房的支持力度，针对第二次使用住房公积金贷款且生育抚养二孩及以上的多子女家庭，将贷款额度上浮40%。此外，各地还通过延长贷款年龄上限大力释放改善型住房需求。北京、西安、昆明、青岛已将贷款到期年龄上限普遍延长至男性68岁、女性63岁，与国家渐进式延迟退休政策协同适配，还贷期限多延长了3年，有助于持续降低贷款成本。多地积极推进现房销售 支持政策不断完善记者近期在各地采访中还发现，河南、湖北、山东等地正在积极推进现房销售试点，相关配套支持政策也在不断完善。近日，河南信阳发布政策，明确提出在中心城区新出让地块推行现房销售，成为近期全国首个明确全面落实现房销售的城市。而在湖北荆门，这个正在进行现房销售试点的售楼处里，记者看到，不少购房者正在咨询。不同于预售，购房者只能看到样板间，这个售楼处里，购房者签约前就可以看到竣工后的实体房屋，可以全面了解住房真实情况和小区配套设施现状。作为湖北唯一现房销售试点的城市，荆门今年4月首批试点项目入市以来，市场反应积极，签约率超过九成。住房城乡建设部在部署今年工作任务时，曾明确强调要大力推进商品住房销售制度改革，有力有序推行现房销售，优化预售资金监管。根据中指研究院监测数据，截至目前，全国已有超过30个省（市）试点了现房销售及出台相关支持政策。北京在2021年首次在集中土地拍卖中，就已明确设置现房销售面积的环节，经过2到3年的开发，2024年已经有项目陆续上市销售。在湖南，则明确提出要用好用足房地产调控政策工具箱，优化现房销售试点。山东则表示，将现房销售与住房公积金政策相结合，购买现房申请住房公积金贷款的，最高贷款额度可提高10%以上。江西多地则延长了现房销售项目土地出让金缴纳期限，同时对购房者进行契税补贴。中指研究院常务副院长黄瑜表示，我国不断推进建立房地产的发展新模式，现房销售是很重要的内容。对于购房者来说能够降低购房风险，对于房地产企业也提出更高的要求，从户型设计、相关配套等方面，促进房地产企业不断打造出更好的房子，也符合国家现在大力推行建造“好房子”的要求。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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楼市新策“组合拳”激发市场活力 多地房地产市场表现活跃

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楼市新策“组合拳”激发市场活力多地房地产市场表现活跃