8月28日，多部门联合出台楼市新政，推进现房销售、优化房贷规则、放宽商业用房贷款1。其中商业用房贷款期限由最长10年放宽至15年1。按一套公寓贷款计算，15年还款期与10年相比月供可减少约1907.52元1。
新政实施10天后，全国多个城市楼市出现明显变化。深圳在新政首个周末年轻客群的咨询量环比上涨20%-30%，成交量上扬约30%，二手房签约量创年内单日新高1。按今年1-7月套均贷款额267万元计算，深圳购房者月供减少约1700元1。上海新政一周内认购成交环比提升约50%，购房平均置业周期从6个月缩短至3个月1。武汉于9月4日推出8项配套举措，放出1亿元购房补贴，7个新城区购买新房的消费者享受总房款1%优惠1。
Multiple government departments rolled out a comprehensive real estate policy on August 28th aimed at stimulating housing demand 1. The initiative prioritizes accelerated completion of pre-completed properties for sale, streamlines mortgage regulations, and expands financing options for commercial residential projects 1. Among the key changes, commercial residential loan terms have been extended from a maximum of 10 years to 15 years 1.
Within ten days of the policy's implementation, major cities have already reported measurable market activity. In Shenzhen, consultation inquiries from younger buyers surged 20-30% during the policy's first weekend, while transaction volumes jumped approximately 30% and second-hand home signings reached their highest daily level of the year 1. Based on average loan amounts of 2.67 million yuan from January through July this year, monthly mortgage payments fell by approximately 1,700 yuan 1. Shanghai experienced a roughly 50% week-over-week increase in transaction volume following the announcement, with the average home-purchase decision cycle compressing from six months to three months 1. The city's Fifteenth Five-Year Plan has committed to delivering between 25 million and 28 million square meters of new commercial residential space 1.
In a bid to further stimulate market activity, Wuhan unveiled eight measures on September 4th, allocating 100 million yuan in purchase incentives 1. Buyers in seven outlying districts receive a one percent discount on the total property price for new homes 1. For a typical apartment financed over 15 years rather than 10 years, the monthly payment reduction reaches 1,907.52 yuan 1.
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