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henan's real estate market is ushering in favorable policies. on september 30, the provincial department of housing and urban-rural development, in conjunction with the provincial department of finance and other departments, issued the "several measures to further promote the stable and healthy development of the real estate market" (hereinafter referred to as the "measures"), by increasing the number of loans for "white list" projects strengthen and gradually promote 20 measures such as "old trade-in for new" and comprehensive cancellation of purchase restrictions, strictly control the increment of commercial housing construction, optimize stock, improve quality, and further promote the stable and healthy development of the real estate market.

the measures are clear to strengthen the supply management of land for commercial residential use. for cities and counties where the decommissioning cycle of commercial housing exceeds 18 months, the approval of new residential land will be suspended and the transfer of new residential land will be strictly controlled, in order to strengthen the supply management of land for commercial residential use and strictly control the pace of new housing supply, etc., and strictly control the increase.

it is worth mentioning that our province will accelerate the pilot work of existing home sales in zhengzhou, kaifeng, and jiyuan demonstration zones, and at the same time encourage other cities and towns to come up with high-quality land plots and explore the sale of existing homes.

our province further optimizes the stock by purchasing existing housing as affordable housing. the "measures" support provincial state-owned enterprises as the main acquisition entities of existing commercial housing, and acquire existing commercial housing for affordable housing in a market-based and legal basis. for cities and counties that acquire existing commercial housing for use as affordable rental housing, the provincial finance will continue to provide support at an interest rate discount of no more than 2%.

at the same time, by optimizing and adjusting the building design rules for real estate projects such as area and public stalls, the housing availability rate of commercial housing will be increased, and qualified real estate development projects that have not yet started construction will be allowed to adjust the structure of housing units to improve the quality of supply.

promoting the real estate market to stop falling and stabilize, it is inseparable from the "living water" of financial policies. the measures clearly call for giving full play to the role of the urban real estate financing coordination mechanism, increasing the number of loans for "white list" projects, and striving to achieve a financing satisfaction rate of no less than 70% for "white list" projects.

on the consumer side, our province will support various localities in canceling various restrictive conditions and exploring methods such as “replacing old housing with new housing” to stabilize housing demand.

purchase restrictions are completely lifted.the "measures" make it clear that there is no need to review the qualifications of home buyers to purchase commercial housing. at the same time, the restriction on the transfer period of commercial housing has been cancelled, and commercial housing can be transferred from the date of obtaining the real estate certificate.

the “replacement of old housing with new” housing scheme has been gradually promoted at the provincial level. support all localities to learn from zhengzhou's experience and explore and implement two methods of "old-for-new" housing, namely state-owned enterprise acquisitions and market-based transactions, based on actual conditions, to further release the public's demand for improved housing.

actively promote the policy of “recognising a house but not a loan”.the "measures" propose that when a household applies for a loan to purchase commercial housing, if the family member does not have a complete house in the local name, regardless of whether the loan has been used to purchase a house, banking financial institutions will implement housing credit policies based on the first house.

in addition, our province will also accelerate the construction of a new real estate development model through scientific planning and preparation of the city's "15th five-year plan" housing development plan, and exploration of housing physical examination and insurance systems to help promote high-quality development of real estate.

(reporter wang ge)