今年深圳每5名二手房购房者中就有1人全款

深圳贝壳研究院与深圳乐有家研究中心发布的数据显示，2026年1—7月，深圳二手房交易中全款购房占比达到22%，相当于平均每5名购房者中就有1人选择全款支付1。同期，选择住房公积金贷款的购房者占比升至21%，较去年同期提升3个百分点1。相比之下，选择商业贷款的购房者占比为57%，较去年同期下降5个百分点1。

从房源总价结构来看，2026年前七个月成交总价在300万元以内的房源中，全款支付占比达到24.4%，较2024年全年提升8.7个百分点1。其中，总价200万元以内的房源在全款成交房源中占比44.7%，200万元至300万元的全款成交房源占比为17.6%1。此外，2026年上半年深圳贝壳所有门店签约的二手房中，全款成交占比达25.3%，同比扩大6.3个百分点1。

在公积金贷款方面，6月深圳全市共发放公积金贷款3591笔，涉及贷款金额54.19亿元，环比分别增长18.95%、33.84%1。公积金贷款笔均金额为151万元，同比增长21%1。分析认为，随着2026年9月20日起新修订的《住房公积金管理条例》正式施行，住房信贷结构将更趋多元化，商贷占比回落1。

In the first seven months of 2026, cash purchases accounted for 22% of second-hand home transactions in Shenzhen, with an average of one in every five buyers paying in full 1. During the same period, the proportion of buyers opting for commercial mortgages dropped to 57%, a year-on-year decrease of 5 percentage points 1. Meanwhile, the share of purchasers using housing provident fund loans reached 21%, up 3 percentage points year-on-year 1. These monitoring data on payment methods for second-hand home transactions were released by the Shenzhen Beike Research Institute and the Shenzhen Leyoujia Research Center 1.

For properties with a total transaction price under 3 million yuan, cash payments accounted for 24.4% in the first seven months of 2026, an increase of 8.7 percentage points compared to the full year of 2024 1. Furthermore, properties priced under 2 million yuan made up 44.7% of all cash transactions, while those priced between 2 million and 3 million yuan constituted 17.6% 1. Data from all Beike stores in Shenzhen also showed that in the first half of 2026, cash transactions for signed second-hand homes reached 25.3%, a year-on-year expansion of 6.3 percentage points 1.

The use of housing provident fund loans has also seen significant growth. In June, Shenzhen issued 3,591 provident fund loans totaling 5.419 billion yuan, representing month-on-month increases of 18.95% and 33.84% in volume and amount, respectively 1. The average loan amount per transaction reached 1.51 million yuan, a 21% year-on-year increase 1. Analysts suggest that with the newly revised Housing Provident Fund Management Regulations taking effect on September 20, 2026, the housing credit structure will become more diversified, leading to a continued decline in the proportion of commercial mortgages 1.