近期，北京、上海、成都、西安和郑州等多个城市密集出台房地产调控新政 1。这些政策主要聚焦于优化限购、加大住房公积金支持力度、推出购房补贴及“卖旧买新”等措施，旨在降低购房门槛与成本，为“金九银十”传统旺季蓄力 1。专家指出，政策形成一二线城市联动效应，提振市场信心，预计短期内市场成交量有望回升 1。
在具体落地方面，各地相关部门于8月份陆续发布相关政策文件 1。8月7日，北京市住房和城乡建设委员会等部门发布《关于进一步优化调整本市房地产政策的通知》 1。8月20日，上海市住房和城乡建设管理委员会等部门印发《关于优化本市房地产政策措施的通知》 1。8月25日，成都市住房和城乡建设局等部门发布《关于进一步优化促进房地产市场平稳健康发展相关政策措施的通知》 1。8月26日，西安市住房和城乡建设局等4部门发布《西安市支持房地产市场高质量发展工作措施》，郑州住房公积金管理中心发布《郑州住房公积金管理中心关于进一步优化住房公积金贷款政策的通知》 1。其中，成都新政规定，至2026年12月31日，购买新建商品住房申请公积金贷款最低首付比例为15%，并给予一年期限、20%的利息补贴，补贴金额最高不超过2.5万元 1。此外，购买绿建一星级及以上新建商品住房，公积金贷款最高额度上浮20% 1。
Recently, multiple Chinese cities, including Beijing, Shanghai, Chengdu, Xi'an, and Zhengzhou, have intensively rolled out new real estate policies 1. These measures focus on optimizing purchase restrictions, increasing support for housing provident funds, introducing home purchase subsidies, and promoting the "sell old, buy new" initiative, all aimed at lowering the threshold and cost of buying a home to build momentum for the traditional "Golden September and Silver October" peak season 1. Experts point out that these policies have created a synergistic effect between first- and second-tier cities, boosting market confidence and are expected to drive a rebound in transaction volumes in the short term 1.
Specific policy implementations have been sequentially announced across these major cities in August 2026 1. On August 7, the Beijing Municipal Commission of Housing and Urban-Rural Development and other departments issued a notice on further optimizing and adjusting the city's real estate policies 1. Following this, the Shanghai Municipal Commission of Housing and Urban-Rural Management and other departments released a notice on optimizing the city's real estate policy measures on August 20 1. On August 25, the Chengdu Municipal Housing and Urban-Rural Development Bureau and other departments published a notice to further optimize policies for the steady and healthy development of the real estate market 1. Under Chengdu's new regulations, which will remain in effect until December 31, 2026, the minimum down payment ratio for housing provident fund loans to purchase new commercial housing is set at 15% 1. Additionally, buyers will receive a 20% interest subsidy for one year, with the maximum subsidy capped at 25,000 yuan 1. The maximum housing provident fund loan amount will also be increased by 20% for those purchasing new commercial housing with a one-star or higher green building certification 1. On August 26, four departments in Xi'an, including the Municipal Housing and Urban-Rural Development Bureau, jointly released measures to support the high-quality development of the real estate market 1. On the same day, the Zhengzhou Housing Provident Fund Management Center issued a notice on further optimizing housing provident fund loan policies 1.
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