深圳在4月出台楼市新政，大幅提升了住房公积金贷款额度，个人最高贷款额调整为189万元，家庭最高贷款额调整为351万元1。截至8月底，新政实施已取得显著成果，共发放公积金贷款1.4万笔、总额207.61亿元，环比分别增长31.41%和55.69%1。笔均贷款金额达147.65万元，同比增长18.47%1。
政策惠及首套购房者为主，首套房住房公积金贷款发放量占比高达98%1。同时，针对特定人群的倾斜政策效果明显，初婚初育家庭贷款额度上浮机制已受理申请共40.73亿元1。5至8月期间，灵活就业人员获得住房公积金贷款9.51亿元，环比增长64%1；异地缴存职工在深圳购房获得贷款12.29亿元，同比增幅达49.72%1。
为进一步降低购房成本和交易门槛，深圳推出了多项创新服务1。i深房平台已入驻100余家房地产开发企业的140余个项目、约8.3万套房源1。此外，已累计为2600余名港澳台居民和外籍人士提供在线公证备案联办服务1。
Shenzhen rolled out major real estate market reforms in April, significantly raising the borrowing caps for housing provident fund loans 1. Individual borrowers can now access up to 1.89 million yuan, while families are eligible for up to 3.51 million yuan 1. The policy has already demonstrated substantial impact, with authorities disbursing 14,000 housing provident fund loans totaling 20.761 billion yuan through the end of August 1. First-time homebuyers accounted for 98 percent of these loans, underscoring the policy's focus on supporting entry-level purchasers 1.
The implementation has driven notable increases in lending activity. Compared to the previous period, loan disbursements grew 31.41 percent in volume and 55.69 percent in total amount, while the average loan size reached 1.4765 million yuan, a year-on-year increase of 18.47 percent 1. The policy also includes a loan increment mechanism for newly married and newly childbearing families, which has processed applications totaling 4.073 billion yuan 1. Between May and August, flexible employment workers received 951 million yuan in housing fund loans, representing a 64 percent month-on-month surge 1. Workers who contribute to provident funds in other regions while purchasing property in Shenzhen obtained 1.229 billion yuan in loans during the same period, marking a year-on-year increase of 49.72 percent 1.
To further streamline the homebuying process, authorities have introduced complementary innovations including free escrow services for mortgaged property transfers and the i-Shenzhen Housing platform 1. The latter has attracted over 100 real estate developers offering approximately 83,000 units across 140 projects 1. The platform has also delivered online notarization and registration services to more than 2,600 Hong Kong, Macau, Taiwan, and foreign nationals 1.
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