中国央行和金融监管总局于8月28日联合发布房地产新政，将个人住房贷款最长期限由30年延长至40年。1这一调整旨在通过降低借款人的月度还款负担来刺激购房和消费意愿。1
以100万元房贷、3%利息计算，从30年延至40年还款周期，月度还款额将减少636元，但总利息成本将从51.8万元上升到71.8万元。1此外，新政规定成屋销售在销售备案后放款，预售在项目竣工备案后放款，确保购房者"先拿房，再付款"。1
在实际执行中，广东等地设置了贷款年龄与贷款期限之和不超过85岁的限制条件。1广东省住房政策研究中心首席研究员李宇嘉认为，此举旨在降低还款负担、修复房地产金融加速器效应，表明稳定房地产市场仍是当前经济发展的关键举措。1
China's central bank and financial regulator jointly unveiled a real estate policy overhaul on August 28, extending the maximum duration of individual home loans from 30 years to 40 years 1. The new measures also stipulate that for resale properties, lenders must disburse funds before the property is handed over to buyers, while for presale properties, disbursement occurs after project completion registration, ensuring buyers receive homes before making final payments 1.
The policy adjustment aims to reduce monthly mortgage burdens and stimulate purchase intent and consumer spending 1. Using a one-million-yuan mortgage at 3 percent interest as a benchmark, extending repayment from 30 years to 40 years would lower monthly payments by 636 yuan; however, total interest costs would rise from 518,000 yuan to 718,000 yuan 1. In practice, applicants may face age-related constraints on accessing the extended terms 1. Guangdong province has reportedly adopted a requirement that borrowers' age plus loan term not exceed 85 years 1.
Li Yujia, chief researcher at the Guangdong Housing Policy Research Center, characterized the measure as designed to reduce repayment burden and restore the real estate sector's financial accelerator effect 1.
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