当前，房地产市场仍面临下行压力，稳楼市成为政策重点。除已实施的降低首付比例、下调房贷利率、优化限购政策等措施外，还可从多方面发力。一是加快保障性住房建设，通过‘以需定建’满足刚需群体，同时消化部分库存；二是推动城中村和老旧小区改造，释放改善性需求；三是优化预售资金监管，在确保项目交付的前提下提升房企流动性；四是探索设立房地产纾困基金，支持优质房企并购出险项目，防范系统性风险；五是因城施策，赋予地方政府更大调控自主权，精准应对区域分化。此外，长期来看，还需推动房地产向新发展模式转型，如发展租赁住房、REITs等，构建多主体供给、多渠道保障的住房体系，实现行业平稳健康发展。
Amid ongoing downward pressure on the real estate market, stabilizing the sector has become a key policy priority. Beyond existing measures—such as lowering down payment ratios, cutting mortgage rates, and easing purchase restrictions—additional strategies can be deployed. First, accelerate the construction of affordable housing tailored to actual demand, helping meet essential housing needs while reducing inventory. Second, promote urban village and old community renovations to unlock demand for housing upgrades. Third, refine escrow regulations for pre-sale funds to enhance developers’ liquidity while ensuring project completion. Fourth, explore establishing real estate relief funds to support sound developers in acquiring distressed projects, thereby mitigating systemic risks. Fifth, adopt city-specific policies, granting local governments greater autonomy to address regional market disparities. In the long run, the industry must transition toward a new development model—expanding rental housing, promoting REITs, and building a diversified housing supply system with multiple providers and support channels—to ensure sustainable and healthy growth.
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