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on september 29, four departments including the shenzhen municipal housing and construction bureau jointly issued the "notice on further optimizing policies and measures for the stable and healthy development of the real estate market", which introduced the reduction of down payment ratio, shortened the value-added tax collection and exemption period, canceled transfer restrictions, and optimized zoning purchase restrictions. and other measures.

the relevant person in charge of the shenzhen municipal housing and construction bureau said that this real estate policy adjustment is aimed at thoroughly implementing the decisions and arrangements of the party central committee and the state council, accelerating the construction of a new real estate development model, and better meeting residents' rigid housing needs and diversified improved housing needs. , promote the stable and healthy development of the real estate market.

regarding optimizing the zoning housing purchase restriction policy, the person in charge said that the policy adjustment adheres to the positioning of "housing for living, not speculation" and is based on supporting rigid housing demand and diversified improvement housing demand. on the premise of retaining the number of housing purchase restrictions, on the one hand, the household registration has been increased the number of houses purchased by residents in peripheral areas, on the other hand, takes into account the additional purchase needs of non-registered resident families with two or more minor children to improve their housing conditions. this policy is conducive to meeting reasonable housing needs and increasing the activity of real estate market transactions.

regarding the adjustment of restrictions on the transfer of commercial housing and business apartments, in accordance with the relevant provisions of the "notice on further strengthening real estate regulation to promote the stable and healthy development of the real estate market", shenzhen implements a transfer restriction policy on commercial housing and business apartments. this policy adjustment will help promote the circulation and transfer of commercial housing and commercial apartments and activate the real estate market.

regarding the adjustment of the value-added tax exemption period for personal housing transfers, this policy adjustment can reduce the tax on second-hand housing transactions and help better meet the reasonable housing needs of residents.

why optimize personal housing loan policies? the person in charge said that first, considering that lowering the minimum down payment ratio for housing loans can effectively lower the financial threshold for residents to purchase houses and help release rigid and improved housing demand, the minimum down payment ratio for commercial personal housing loans for first and second homes in shenzhen adjusted to 15% and 20% respectively. second, in accordance with the aforementioned optimized zoning housing purchase restriction policy, some residents can purchase a third home in shenzhen, and accordingly it is clarified that qualified third homes can apply to the second home loan policy. the third is to better implement the maternity support policy, optimize the identification standards for the first home in personal housing loans for families with two or more minor children, and further reduce their interest costs. fourth, taking into account the actual situation of the shenzhen-shantou special cooperation zone, the shenzhen-shantou special cooperation zone implements the national bottom-line standard in addition to the minimum down payment ratio for commercial personal housing loans, and at the same time cancels the lower limit on interest rates. the above policies can lower the threshold and cost of home purchase, support residents in improving their housing conditions, and help better meet reasonable housing needs.

the person in charge said that building a new model of real estate development is the fundamental strategy to solve real estate development problems and promote the stable and healthy development of real estate. taking into account the importance of building a new model of real estate development, it is clear to promote the sales of existing homes, give full play to the role of the urban real estate financing coordination mechanism, and improve the "market + guarantee" housing supply system to further stabilize market expectations.