Recently, the interest rate of the first home loan has been reduced to less than 4% in many places. According to incomplete statistics, in 2023, nearly 30 cities have adjusted the interest rate of the first housing loan. Optimizing purchase restrictions, reducing down payment, subsidizing taxes and increasing the amount of loans have also gradually become the "standard configuration" of regulatory policy optimization. A number of favorable policies are superimposed. From the performance of the real estate market around the country in January, the second-hand housing market in some cities has shown signs of recovery. Industry insiders call that all localities should continue to optimize policies, vigorously support rigid and improved housing demand, and promote the stable and healthy development of the real estate market. Recently, new real estate regulation policies have been intensively introduced in many places. ——Reduce the cost of house purchase. On January 5, the Central Bank and the CBRC issued a document, deciding to establish the first set of dynamic adjustment mechanism for housing loan interest rate policy. Up to now, nearly 30 cities have adjusted the interest rate of the first house loan, and many second-tier cities have started to implement the policy of the lowest interest rate of the first house loan of 3.8%; In some third-tier and fourth-tier cities, the interest rate of the first housing loan of individual banks has been implemented at 3.7%. Some regions also implement tax subsidies to support the purchase of houses by specific groups. Urumqi has issued a new policy, and those who purchase new houses below 130 square meters for the first time will enjoy 50% of the deed tax subsidy; Xingyang City, Henan Province, will provide up to 100000 yuan of housing subsidies to qualified young people who purchase houses for the first time, and 30% to 40% of the contract tax subsidy will be available for the purchase of houses before June 30; According to the regulations of Lu'an City, Anhui Province, families with more than one child can enjoy 50% of the deed tax subsidy when purchasing new houses of less than 144 square meters. In some cities, the purchase of a house and the return of consumption vouchers. The "purchase of a house and the return of cars and home appliances" campaign with a total amount of 20 million yuan has been launched in Haishu District of Ningbo since February 4. A single set of consumption vouchers with a maximum value of 180000 yuan can be sent. The buyers can purchase cars and home appliances from the designated merchants in the area with vouchers, which are valid for three months. ——Lower the threshold of house purchase. Optimize the purchase restriction policy in many places, and suspend the implementation of the housing purchase restriction policy in Dongguan, Xingyang and other places; Some second-tier cities allow groups who meet certain conditions to purchase a third set of housing. Changsha stipulates that families with two or more children can add one set of housing purchase index. In addition, Changsha, Jinan, Shaoxing and other second-tier and third-tier cities have increased the amount of provident fund loans to specific housing buyers. For example, Shaoxing raised the amount of family provident fund loans for two and three children by 20% and 30% respectively. ——Make buying a house more convenient. In order to speed up the process of house purchase and make consumers feel at ease, we have implemented the policy of "house delivery and certificate delivery" in many places. According to the regulations of Henan Province, from January 1, the pre-sale commercial housing projects that have newly obtained the right to use state-owned construction land within the planning scope of all cities and towns in the province will be fully implemented with the principle of "house delivery and certificate delivery", to effectively solve the "difficulty in obtaining the certificate" of the real estate certificate concerned by the masses. Shenzhen, Wuhan and other places support the "transfer of ownership with mortgage" of second-hand houses: in the transaction of second-hand houses, if the seller has not repaid the loan, the mortgage has not been released, and the buyer also needs to use the loan to purchase the house, the buyer and the seller can choose the "transfer of ownership with mortgage" mode of second-hand houses to speed up the transaction process of second-hand houses. The second-hand housing market in some cities shows signs of recovery. The second-hand housing market is often regarded as the "barometer" of the housing market. Ding Zuyu, CEO of E-House Group, said that since the third quarter of 2022