近期，北京、上海、成都、西安等城市相继出台楼市新政，通过降低购房门槛、提高公积金贷款额度、发放购房补贴等方式刺激房地产市场 1。政策呈现“一线示范、二三线跟进”的接力效应，重点打通“卖旧买新”置换链条，激活市场动能 1。
在具体举措方面，8月7日，北京率先调整购房政策，非本市户籍家庭购买五环内商品住房社保或个税缴纳年限要求由2年降至1年，北京公积金贷款额度最高可贷至340万元 1。8月20日，上海出台“沪八条”，上海居民在外环外购买新房并卖掉二手房，单套最高补贴8万元 1。8月25日，成都推出“房地产市场十条”，推出“贷款利息补贴”政策，首付比例降至15%，单笔最高补2.5万元 1。8月26日，西安公布五条房地产新政，安排5000万元专项补贴资金支持居民“卖旧买新” 1。
Cities including Beijing, Shanghai, Chengdu, and Xi'an have recently introduced new real estate policies in succession to stimulate the housing market by lowering purchase thresholds, increasing housing provident fund loan limits, and issuing purchase subsidies 1. These policies demonstrate a relay effect of first-tier cities leading the way, followed by second- and third-tier cities, focusing on smoothing the replacement chain of selling old properties to buy new ones to activate market momentum 1.
On August 7, 2026, Beijing took the lead in adjusting its housing purchase policies, reducing the social security or individual income tax payment requirement for non-local households purchasing commercial housing within the Fifth Ring Road from two years to one year 1. Additionally, the maximum housing provident fund loan amount in Beijing has been increased to 3.4 million yuan 1. On August 20, 2026, Shanghai rolled out the "Shanghai Eight Measures," offering a maximum subsidy of 80,000 yuan per unit for residents who purchase new homes outside the Outer Ring Road and sell their second-hand houses 1.
Following the first-tier cities, Chengdu launched the "Ten Measures for the Real Estate Market" on August 25, 2026, introducing a loan interest subsidy policy that lowers the down payment ratio to 15% and provides a maximum subsidy of 25,000 yuan per transaction 1. On August 26, 2026, Xi'an announced five new real estate policies, allocating 50 million yuan in special subsidy funds to support residents in selling old properties to buy new ones 1.
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