个百分点；2）统一首套、二套组最低首付比例，全国层级二套房首付比例从25%调降至15%；3）3000亿元人民币保障性房屋再贷款，中央银行资金支持比例由60%提升至100%；4）将原定于2024年末到期的经营性物业贷款和“金融16条”两项政策文件延期至2026年末；5）研究允许政策性银行、商业银行支持有条件企业市场化收购房企土地，盘活存量用地，缓解房企资金压力，必要时人民银行可提供政策支持。CICC released a research report saying that the mainland real estate sector will enter a period of observation of the effects of the policy. Considering that the fundamentals of the real estate industry are still in the trend of volume contraction and price decline, the package of financial support policies announced and launched on September 24 may bring about a phased marginal improvement, but it is still necessary to observe the effects of the policy and whether there is further financial strength to boost economic growth. The development sector recommends steady stocks, such as China Merchants Shekou, China Resources Land (01109), and China Overseas Development (00688); The service department suggests placing companies with excellent compound returns in terms of growth and dividend rate on the left side of stock price fluctuations, such as Huarun Wanxiang Life (01209)), Greentown Services ( 02869), Poly Industries (06049).
According to the report, on the morning of September 24, the State Information Office held a press conference on the situation related to financial support for high-quality economic development, and proposed: 1) Lowering interest rates on existing mortgages to close to interest rates on newly issued mortgages. It is expected to be lowered by about 0.5 percentage points. At the same time, interest rate cuts may also drive LPR and interest rates on new mortgage loans downward
0.2
Percentage points; 2) Unify the minimum down payment ratio for the first and second home packages, and reduce the national down payment ratio from 25% to 15%; 3) 300 billion yuan affordable housing reloans, the central bank's financial support ratio increased from 60% to 100%; 4) Extend operating property loans and the “16 Financial Rules” policy documents originally scheduled to expire at the end of 2024 until the end of 2026; 5) Research allows policy banks and commercial banks to support market-based acquisition of land from housing enterprises, revitalize land use, and ease financial pressure on housing enterprises when necessary The People's Bank of China can provide policy support.