深圳市住房和建设局、规划和自然资源局、国家金融监督管理总局深圳监管局于10月15日联合印发《关于贯彻落实商品住房销售制度的实施意见》，对商品房预售和销售管理进行重大调整。1根据新政，2026年8月28日后新发布国有建设用地使用权出让公告的商品住房项目，若申请预售许可，单体建筑须完成主体结构封顶。1获得预售许可证的项目竣工备案后，方可发放个人住房贷款（含公积金贷款）。1
新政推行现房销售优先制度并引入定金制，现房销售中的定金一般不超过购房总价款的3%。1在土地价款缴纳方面，出让首付款需在出让合同签订之日起30个自然日内缴纳，比例不低于总价款的50%，余款可延长至出让合同签订后一年内缴清，分期付款期间不计利息。1
针对在途项目，新政采取分类施策。2026年8月28日前已取得建设工程规划许可证但未办理预售许可的项目按原有政策执行；2026年8月28日前已取得国有建设用地使用权但未取得建设工程规划许可证的项目，在2027年12月31日前预售且不存在交付风险的可按原预售政策执行。1
Shenzhen has introduced sweeping reforms to its residential property presale system through new regulations issued on October 15, 2026. 1 The updated policy establishes stricter requirements for developers seeking presale permits and creates new conditions for mortgage lending.
Under the new framework, projects with land use rights granted after August 28, 2026, must complete structural topping-out before being eligible for presale permits. 1 Once presale licenses are issued for projects after that date, individual mortgages—including public provident fund loans—cannot be disbursed until the property is completed and registered with authorities. 1 The regulations also prioritize off-plan sales over presales and introduce a deposit system capping deposits at no more than 3 percent of the total purchase price for cash transactions. 1
The policy includes measures to ease land payment burdens on developers. 1 Land use rights fees must be settled within 30 days of the contract signing, with an initial payment of at least 50 percent of the total price; the remainder can be deferred for up to one year from contract execution without accruing interest. 1 For projects already in progress, transitional rules apply: those that obtained construction planning permits before August 28, 2026, but have not yet received presale approval will continue under the previous policy, while projects that secured land rights before that date but lack planning permits may proceed under original presale terms if they complete sales by December 31, 2027, and pose no delivery risk. 1
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