成都市住房和城乡建设局、成都市规划和自然资源局以及国家金融监督管理总局四川监管局于26日联合发布实施意见，旨在完善商品住房销售制度并强化风险管控 1。此次新政的核心举措之一是推行现房销售定金制，规定房地产开发企业在取得建筑工程施工许可证后，方可与购房者签订定金合同，且收取的定金金额不得超过房屋总价的5% 1。该实施意见自发布之日起执行 1。
针对新增项目，新政提高了预售门槛，明确规定2026年8月28日后新发布出让公告的商品住房项目，在申请预售时其单体建筑工程必须已完成主体结构封顶 1。在资金监管方面，政策实行主办银行制，要求单个房地产项目对应一家银行作为主办银行，对项目全部资金实施封闭管理 1。此外，土地出让金的缴纳规则也进行调整，2026年8月28日后发布的商品住宅用地，首付款比例不低于50%且需在30日内缴纳，剩余款项须在两年内缴清且不产生利息 1。
Three agencies—the Chengdu Municipal Bureau of Housing and Urban-Rural Development, the Chengdu Planning and Natural Resources Bureau, and the Sichuan Supervisory Bureau of the National Financial Regulatory Administration—jointly issued implementation guidelines on October 26 to reform the commodity housing sales system 1. The policy takes effect immediately upon publication 1.
A central component of the new regulations is the introduction of a deposit system for completed home sales. Real estate developers are permitted to sign deposit contracts after obtaining a construction project permit, with the requirement that the collected deposit must not exceed 5% of the total property price 1. Additionally, stricter conditions have been imposed on pre-sales for new projects; specifically, for commodity housing projects where land transfer announcements are issued after August 28, 2026, applications for pre-sale permits will require that the main structural topping-out be completed for individual buildings 1.
To enhance financial oversight, the policy mandates a "lead bank" system wherein each real estate project corresponds to a single lead bank responsible for the closed-loop management of all project funds 1. Changes have also been made to the payment terms for land transfer fees; for commodity residential land parcels announced after August 28, 2026, the initial payment must be at least 50% of the total fee and paid within 30 days, while the remaining balance must be cleared within two years without interest accumulation 1.
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