Title: 多地加码购房补贴政策 精准支持住房消费 - 经济观察网 － 专业财经新闻网站 | BestBlogs.dev
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Published Time: 2026-07-28 00:52:05
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多地加码购房补贴政策 精准支持住房消费 - 经济观察网 － 专业财经新闻网站
This article reports on the increased housing purchase subsidy policies across multiple regions in the first half of 2026, focusing on trade-in programs and targeted groups. Experts suggest paying attention to the diminishing marginal effect and combining with long-term policies. Follow·
Today·1016 words (about 5 min)
AI Summary & Key Points
Summary
The article starts with the first batch of 6 million yuan in housing purchase subsidies in Zhanjiang, combined with data from the China Index Academy showing over 80 subsidy policies in the first half of the year, outlining the trend of refined housing purchase subsidies. It quotes comments from Zhang Bo, President of 58 Anjuke Research Institute, and Yan Yuejin, Vice President of Shanghai E-House Real Estate Research Institute, explaining that subsidy policies are tilted towards families with multiple children and high-level talents, using 'trade-in' as a key tool to activate improvement-driven demand. At the same time, experts remind about the diminishing marginal effect of policies, suggesting that talent, marriage, and childbearing subsidies be incorporated into long-term systems, and optimize the supporting policies of purchase and sales restrictions and personal income tax refunds to comprehensively reduce transaction costs.
Main Points
* 1. Housing purchase subsidy policies show a trend of refinement and systematization, with a tilt towards specific groups.
This year, subsidies are no longer universally distributed but precisely targeted at families with multiple children and high-level talents, with the introduction of trade-in pilot programs to connect the flow of old homes and new purchases.
* 2. Trade-in has become a key lever to activate improvement-driven housing consumption.
Multiple regions include selling an old home and buying a new one as a condition for subsidies, with subsidies combined with deed tax concessions to reduce the cost of changing homes, focusing on stimulating improvement demand.
* 3. Experts remind to pay attention to the diminishing marginal effect of subsidy policies.
Short-term limited-time subsidies may have diminishing effects. In the long term, they should be transformed into institutionalized subsidies for talents, marriage, and childbirth, along with clearing unreasonable restrictions to comprehensively restore residents' confidence in home buying.
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7月27日，湛江市住房和城乡建设局公示了2026年购房补贴名单（第一批）。名单显示，本批共补贴购房者525户，拟申请房补金额合计超600万元。往前追溯，湛江市住房和城乡建设局等多部门曾于今年4月末联合发布《关于进一步优化调整本市房地产政策的通知》，明确政策实施期间，购买湛江市新建商品房住宅并完成网签备案、缴交契税的购房人，按合同总价的1%可获得单套最高不超过2万元的购房补贴。
今年以来，各地购房补贴政策持续加码。中指研究院数据显示，今年上半年各地共出台购房补贴政策超80条，补贴向特定人群倾斜。7月份以来，多地持续推出购房补贴新政，发力促进住房消费。
“在因城施策的大背景下，今年的购房补贴政策更关注降低消费成本、促进流通。”58安居客研究院院长张波对《证券日报》记者表示，今年购房补贴政策逻辑较为清晰，多地针对多子女家庭、高层次人才设置专项加码补贴。同时，住房“以旧换新”也是购房补贴政策的重要抓手，政策打通旧房流通、新房置换完整链条，重点激活改善型住房消费。
例如，7月9日，云南省住房和城乡建设厅发布《2026年三季度云南省购买新建商品住房补贴公告》（以下简称《公告》），对在云南省重点城市范围内购买城镇国有土地上新建商品住房的购房人给予购房补贴。此外，《公告》还提出开展以旧换新试点补贴，符合条件的购房人将其个人名下存量住房出售、完成过户并购买新建商品住房的，可叠加申领以旧换新试点补贴。
云浮市住房和城乡建设局等部门7月21日对外发布《云浮市着力稳定房地产市场的若干措施》，鼓励各地结合地方实际情况，通过发放购房补贴、消费券等方式，为首次置业居民、多子女家庭、赡养老人家庭等提供购房支持。
“综合来看，全国各地的购房补贴政策呈现出更加精细化、系统化的趋势。”上海易居房地产研究院副院长严跃进对记者表示，后续各地需重点关注购房补贴政策的边际效应递减问题，以及住房“以旧换新”相关的契税补贴、个税退税等政策与购房补贴的协同效应，持续创新补贴模式。
张波认为，为持续激活住房消费，需求端要更关注长效政策组合拳，让房子更好流通起来，推动个人资产负债表修复，让购房者入市更有信心。当前购房补贴多为限时、限额投放，未来各地可以考虑将人才、婚育配套补贴纳入长期制度，稳定居民置业预期。同时，持续落实“清理优化不合理限制性措施”要求，延续并完善住房“卖一买一”个税退税政策，全方位降低房产交易制度成本与税费负担，更好满足居民刚性和改善性住房需求。
Key Quotes
> Overall, housing purchase subsidy policies across the country are showing a trend of being more refined and systematized.
> In the future, regions need to focus on the diminishing marginal effect of housing purchase subsidy policies, as well as the synergistic effects of housing trade-in related deed tax subsidies, personal income tax refunds, and other policies with housing purchase subsidies, and continue to innovate subsidy models.
Tags
Housing Subsidies
Real Estate Policy
Trade-in Program
Macroeconomics
Housing Consumption
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