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经济日报:有的放矢鼓励合理住房消费

Economic Daily: Targeted encouragement of rational housing consumption

Breakings ·  Feb 1, 2023 06:16
Urban policies are needed to encourage rational housing consumption. Although second-hand housing transactions are very active in first-tier cities such as Beijing and Shanghai, the second-hand housing market is not active in many cities in the Northeast region due to factors such as net population outflow, large stock of housing, and inactive economic development. Therefore, second-hand housing transactions should be encouraged to enjoy the same subsidy support policy as sales of newly built commercial housing. As a result of city policies, differentiated housing credit policies should be implemented to save capital costs for consumers and effectively shorten the second-hand housing purchase cycle. To encourage rational housing consumption, it is also necessary to support rigid and improved housing demand and make good use of financial instruments. In order to increase financial support for real estate enterprises, meet the reasonable financing needs of housing enterprises, promote industry mergers, acquisitions, restructuring, and risk clearance through a market-based approach, we must do a good job of “securing property transfers, protecting people's livelihood, and maintaining stability.” With regard to demand for rigid and improved housing, personal housing loan amounts should be increased, the loan down payment ratio and loan interest rate levels should be reduced, so that consumers have a greater sense of attainment.

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