住房和城乡建设部等三部门8月28日发布通知，对商品房销售制度进行重大调整1。新政大幅提高了商品房预售条件，要求预售项目单体建筑应完成主体结构封顶，同时购房资金全部存入监管账户1。对新出让土地项目，通知明确将现房销售作为优先选项，同步推行"交房即交证"制度1。
同日，央行和金融监管总局联合印发意见，进一步优化个人住房贷款政策1。根据新规，个人住房贷款最长期限由30年延长至40年1。拉长贷款期限可有效减少月供、降低当期还款压力1。这一系列政策改革对促进房屋销售市场活跃向好、推动房地产发展新模式加快构建，具有积极意义1。
China's Ministry of Housing and Urban-Rural Development, along with two other departments, announced sweeping changes to residential property sales on August 28, substantially tightening conditions for pre-sales while positioning existing home sales as the preferred option for new residential transactions.1 Under the new rules, pre-sale projects must have completed structural enclosure of individual buildings, and all buyer funds must be deposited into supervised accounts.1 For newly auctioned land parcels, developers are now encouraged to prioritize existing home sales, with implementation of a "delivery of property concurrent with deed transfer" mechanism.1
The same day saw complementary monetary policy adjustments as the People's Bank of China and the Financial Regulatory Commission jointly extended the maximum term for individual home mortgages from 30 years to 40 years.1 According to Chen Wenjing, this extension "can effectively reduce monthly payments and lower immediate repayment pressure on homebuyers."1 Industry analyst Yan Yuejin characterized the overall policy package as having "positive significance for promoting an active and improving housing sales market and accelerating the construction of new development models in real estate."1
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