深圳市住房和建设局、市规划和自然资源局、国家金融监督管理总局深圳监管局等部门于2026年10月15日联合发布商品住房销售制度改革实施意见，通过一系列新规推动房地产发展新模式的构建1。根据改革方案，2026年8月28日后新取得土地的项目需完成屋面层结构混凝土浇筑才能申请预售1；现房销售优先政策随之推行，定金一般不超过购房总价款的3%1。
改革同时强化融资支持力度和风险管控机制1。2026年8月28日后签订开发贷合同的项目将实行主办银行制，每个项目确定一家主办银行1。在土地出让款缴纳方面，商品住宅用地首期款不得低于全部土地出让价款的50%，余款原则上在一年内缴清，特殊项目可延长至两年1。此外，2026年8月28日后取得预售许可证的项目，需竣工备案后方可发放个人住房贷款1。
Shenzhen's Housing and Construction Bureau, Planning and Natural Resources Bureau, and the National Financial Regulatory Administration's Shenzhen Office jointly issued implementation guidelines for commercial housing sales system reform on October 15, 2026, marking a significant shift in the city's real estate regulatory framework.1
Under the new regulations, projects that obtain land use rights through public auction after August 28, 2026, must complete the structural concrete pouring of the roof layer before applying for pre-sale permits.1 Additionally, earnest money deposits for commercial housing transactions are generally capped at 3 percent of the total purchase price.1 The guidelines prioritize move-in-ready sales for residential projects that receive land auction notices after August 28, 2026.1
The reform introduces several financial mechanisms to support the transition. Projects signing development loan contracts after August 28, 2026, will operate under a lead bank system, with each project assigned to a single designated bank.1 For land parcels announced for auction after August 28, 2026, the initial installment of land transfer fees must be no less than 50 percent of the total amount, with the remainder due within one year in principle, or up to two years for special projects.1 Furthermore, projects that obtain pre-sale permits after August 28, 2026, are restricted from issuing individual mortgage loans until after project completion and registration.1
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