8月以来，北京、上海、成都、西安等核心城市相继推出房地产新政，主要涵盖住房公积金制度优化和购房补贴两大方向1。北京提高了公积金贷款额度，首套住房公积金贷款最高120万元，夫妻双方首套最高240万元；单人首套可叠加条件达180万元，夫妻购房首套最高340万元1。上海推出"沪八条"政策，包含8项举措涉及住房公积金、信贷和购房补贴等方面，其中以旧换新补贴按购房贷款总额1%计算，单套最高5万元1。
其他城市也采取了差异化措施。成都将住房公积金贷款首付降至15%，购房补贴按实际公积金贷款利息20%补贴，同笔贷款最高2.5万元1。西安安排5000万元专项补贴资金，购房补贴为购房总价1%、单套最高2万元，同时将公积金提取时限由5年延长至10年1。郑州则将存量住房贷款首付比例从30%降至20%1。
新政效果初步显现。上海链家在"沪八条"发布首周末，线上访问量提升4.7%，咨询客户提升3.4%，成交量提升8.2%1。北京新政后首周二手住宅网签达3104套，较前周增长约10%1。
Since August, major Chinese cities including Beijing, Shanghai, Chengdu, Xi'an, and Zhengzhou have launched a series of real estate policy reforms aimed at revitalizing the housing market.1 The initiatives center on optimizing housing provident fund (HPF) policies, reducing down payment requirements, and introducing purchase subsidies to ease homebuying constraints.1
Beijing implemented substantial increases to HPF loan limits, setting the maximum for first-time homebuyers at 1.2 million yuan, with couples eligible for up to 2.4 million yuan as a combined ceiling.1 Under additional layered conditions, individual borrowers can reach 1.8 million yuan, while couples may access up to 3.4 million yuan.1 Shanghai's comprehensive "Eight Measures" package encompasses eight policy pillars spanning HPF adjustments, credit facilities, and purchase incentives, including a trade-in subsidy calculated at one percent of the total loan amount with a maximum of 50,000 yuan per transaction.1 Chengdu lowered the minimum down payment ratio for HPF loans to fifteen percent and established a mortgage interest rebate program compensating borrowers at twenty percent of actual interest paid, capped at 25,000 yuan per loan.1 Xi'an allocated 50 million yuan in dedicated subsidies, offering purchase rebates equal to one percent of the property price with a ceiling of 20,000 yuan per unit, while extending the HPF withdrawal timeframe from five years to ten years.1 Zhengzhou reduced the down payment requirement for existing home mortgage refinancing from thirty percent to twenty percent.1
Market response has been notably positive across these jurisdictions.1 Shanghai's Lianjia reported that online traffic surged 4.7 percent during the first weekend following the policy announcement, with client consultations rising 3.4 percent and transaction volume climbing 8.2 percent.1 Beijing's secondary housing market similarly demonstrated momentum, with 3,104 units registered for transaction in the week following the new measures, representing approximately ten percent growth compared to the previous week.1 These policy reforms are being implemented ahead of the September 20, 2026 implementation date of revisions to the national Housing Provident Fund Management Regulations.1
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