Recently, multiple regions have further optimized and adjusted real estate policies to promote the stable and healthy development of the housing market. These measures include increasing the housing provident fund loan limits, lifting restrictions on the transfer of commodity housing, and deepening support for multi-child families and "trade-in for new" home purchases.

Convenience Services Launched

On October 15th, the Beijing Housing Provident Fund Management Center issued a notice titled "Notice on Launching a Pilot Project to Improve the Quality and Efficiency of Individual Housing Loan Services Provided by the Housing Provident Fund," introducing three new convenient service models for housing provident fund loans. These models are: "Branch Acceptance, Same-Day Completion," "Online Application, Home Signing," and "Agency Handling, No Need to Run Around."

The person in charge of the Beijing Housing Provident Fund Management Center introduced that the "Branch Acceptance, Same-Day Completion" model, in its first trial run, took 2.5 hours from preliminary review to face-to-face signing. The review process for combined loans has been optimized from a sequential review of "Center First Acceptance, Bank Later Approval" to a concurrent review of "Center and Bank Simultaneous Approval." Previously, it might take over a month or even longer to apply for and receive a combined loan; after optimization, the average time from application to disbursement has been reduced to 10 working days, with the fastest possible disbursement in 3 working days.

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Recently, the Housing and Urban-Rural Development Bureau, Natural Resources Bureau, Education Bureau, and Finance Bureau of Baotou City, Inner Mongolia Autonomous Region, jointly introduced a series of policies to boost market confidence and promote the stable and healthy development of the real estate market. In terms of home loans and purchase preferences, to alleviate the financial burden on homebuyers and improve the efficiency of housing provident fund usage, Baotou City has adjusted the loan limits for housing provident funds. The maximum loan limit for individual provident fund depositors has been increased from 600,000 yuan to 700,000 yuan, and for couples jointly depositing, from 1,000,000 yuan to 1,200,000 yuan. At the same time, the use of housing provident funds to pay for the down payment when purchasing a home is allowed, greatly enhancing the home purchasing capacity and convenience for buyers.

The WeChat public account "Jinan Housing and Urban-Rural Development" posted that the Housing and Urban-Rural Development Bureau of Jinan City, Shandong Province, and six other departments issued a notice on policies and measures to promote the stabilization of the real estate market, further optimizing and adjusting real estate-related policies. The notice indicates that for ordinary self-occupied housing purchased within the administrative region of Jinan City and applying for a housing provident fund loan, the maximum loan limit for families with two or more provident fund depositors is 1,000,000 yuan, and for multi-child and high-level talent worker families, the maximum loan limit is increased to 1,300,000 yuan. The notice clearly states the full implementation of "certificate issuance upon delivery," to protect the legal rights and interests of homebuyers and achieve full coverage of "certificate issuance upon delivery" for newly built commodity housing.

Reducing the Threshold for Home Purchase

Recently, several places have issued significant new real estate policies to promote the stable and healthy development of the real estate market.

On October 15th, Chengdu introduced policies that included the cancellation of resale restrictions for newly purchased homes, allowing them to be traded on the market immediately after obtaining the certificate. The notice clearly states that for newly purchased commodity homes, the time of online contract filing and recordation is the standard, and for newly purchased second-hand homes, the time of real estate transfer registration is the standard. The notice also mentions that within the Chengdu area, families with two or more children purchasing new homes through commercial loans are all considered to be purchasing their first home, and commercial banks are supported to handle housing loans according to the number of homes recognized. In terms of housing provident fund withdrawal, contributors who purchase new homes in Chengdu before the end of 2025 can also apply for the withdrawal of provident funds for their parents and children. Family mutual aid in home purchasing can reduce the pressure of raising funds for the purchase and lower the threshold for home buying.

The WeChat public account "Chengdu Housing Provident Fund" reported that the Chengdu Housing Provident Fund Center issued a notice adjusting the policies for housing provident fund loans and withdrawals in Chengdu, involving five important support policies including increasing the maximum loan limit and commercial-to-public conversion, which will be implemented immediately. The maximum loan limit for individual and dual provident fund contributors in Chengdu has been increased to 600,000 yuan and 1,000,000 yuan, respectively. At the same time, the difference in loan limits for the first and second homes for dual contributors has been eliminated, with a unified standard implemented; further deepening support for multi-child families and "trade-in for new" home purchases.On October 9th, Hangzhou further optimized and adjusted real estate-related policies. Starting from today, newly transferred residential land will no longer have price limits for newly built commercial housing, and land that has already been transferred will be executed according to the original contract agreements. The notice clarified that Hangzhou will optimize the housing provident fund loan policy, implement targeted policies to increase support for home purchases, and strengthen the coordination of real estate financing. In terms of housing provident fund loan policies, the maximum loan amount for employee families applying for housing loans will be increased to 1.3 million yuan; for newly built commercial housing recognized as green and low-carbon buildings or "old for new" purchases, the loan amount can be increased by 20%; the down payment ratio for the first and second housing loans will be unified to no less than 20%; those who have used a housing provident fund loan once and have settled it can be recognized as the first house.

Lift transfer restrictions.

Some areas have optimized real estate market policies in various ways, attracting market attention.

Some areas recommend job positions when buying new houses. The "Further Optimization and Adjustment of Policies and Measures for the Stable and Healthy Development of the Real Estate Market" jointly issued by the Sichuan Ziyang Housing and Urban-Rural Development Bureau, Ziyang Finance Bureau, and Ziyang Natural Resources and Planning Bureau clearly states that those who buy newly built commercial housing in the central urban area can arrange their direct children in the compulsory education stage to study by the Yanjiang District Education Department with the "Sichuan Province Commercial Housing Sales Contract Online Signing Record Form". Those who buy newly built commercial housing in the central urban area and have employment needs can enjoy the same employment and entrepreneurship guidance services as local residents, and each family can be recommended for 3 or more job positions within a quarter; those who meet the relevant conditions can enjoy policies such as entrepreneurship guarantee loans, vocational training subsidies, and public welfare job placements according to regulations.

Some areas have fully lifted the transfer restrictions on commercial housing. Taking Weihai City as an example, the city recently abolished the transfer policy for non-Weihai city household registration residents to buy commercial housing, fully lifting the transfer restrictions on commercial housing. Non-Weihai city household registration residents who buy newly built commercial housing and second-hand housing can transfer after obtaining the real estate certificate.