8月底，住房城乡建设部、自然资源部、金融监管总局等部门联合印发通知，推进商品住房现房销售制度改革 1。新政规定预售房必须主体结构封顶才能开始销售 1，以降低交付风险。
在资金安全方面，改革加强了预售资金监管 1。购房者缴纳的首付款和房贷等资金必须全部进入监管账户，直至项目竣工验收后方可解除监管 1。预售房贷款放款时间也相应延后，只有在项目竣工备案后才予以放款 1。同时，房地产项目实行主办银行制，一个项目确定一家主办银行 1。
为缓解购房者的贷款压力，政策将个人住房贷款期限由最长30年延长至最长40年 1。此外，新出让土地的商品住房项目优先选择现房销售 1。这一系列改革举措旨在降低交付风险、保障购房人权益、促进房地产行业高质量发展。
China's housing ministry and financial regulators have unveiled a comprehensive overhaul of residential property sales practices aimed at strengthening buyer protections and stabilizing the real estate market. In August, the Ministry of Housing and Urban-Rural Development, the Ministry of Natural Resources, and the Financial Regulatory Administration jointly issued a notice outlining reforms to the commercial residential housing sales system.1
The new regulation stipulates that pre-sale properties must have their main structural framework completed before they can be marketed to buyers.1 All purchaser funds—including down payments and mortgage proceeds—must be deposited into supervised accounts, with access to these funds restricted until project completion and acceptance by authorities.1 For pre-sale mortgages specifically, loan disbursement will occur only after the project achieves completion registration.1 To ease financing pressure on homebuyers, the maximum individual residential mortgage term has been extended from 30 years to 40 years.1
The reforms introduce an exclusive banking arrangement for each development project, with one designated lead bank assigned per project.1 New residential properties on newly auctioned land are now prioritized for sale as completed units rather than pre-sale properties.1 These measures are designed to reduce delivery risks, safeguard purchaser rights, and promote high-quality development of China's real estate sector.
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