Recently, various regions have implemented intensive refinancing for affordable housing, and the pace of projects to purchase existing commercial housing for use as affordable housing has accelerated. A new model of real estate development based on "market+guarantee" is gradually taking shape. On November 11th, the Housing and Urban Rural Development Bureau of Zhongshan City, Guangdong Province announced that since the launch of the purchase of existing commercial housing for affordable housing projects (city level pilot) at the end of September, six projects have submitted application materials as required, totaling nearly 1500 units entering the stage of intended acquisition. The local government hopes to establish a new model of "market+guarantee" real estate development and enhance the supply capacity of high-quality affordable housing. Hangzhou is also continuing to expand its boundaries. After the first acquisition of Vanke Heyu Guangnian Mansion in May, Hangzhou Anju Group Co., Ltd. launched a new batch of housing solicitation in November, covering eight urban areas, with a focus on completed commercial housing around central rail transit stations, industrial parks, and large public service facilities. In some cities, the collection and storage of properties has progressed from project solicitation to the listing of properties. On October 30th, a subsidiary of Chongqing Construction Engineering Investment Holding Co., Ltd. acquired two new projects using existing commercial housing as affordable rental housing, with a total of more than 520 units put into operation. This is a vivid portrayal of Chongqing's acceleration in establishing a housing system that combines renting and purchasing. Funding is a key variable driving the implementation of these projects. Recently, multiple regions have implemented a series of affordable housing refinancing loans. On November 6th, according to the Chongqing Branch of the People's Bank of China, the Banan Branch of the People's Bank of China guided the Banan Branch of the Bank of Communications to successfully issue a housing rental group purchase loan of 152 million yuan to Chongqing Xingnan Tengfeng Urban Life Service Group Co., Ltd. in accordance with the requirements of the policy tool for re lending affordable housing. The loan was specifically used to purchase a total of 226 units of existing commercial housing in two projects for use as affordable housing. This move marks substantial progress in implementing the national policy of re lending for affordable housing in Banan District, and is also an important measure for the whole district to promote the destocking of existing commercial housing and optimize the housing supply structure. Hunan Changde has recently completed the first county-level purchase of existing commercial housing for the purpose of issuing affordable housing loans. Thus, Changde City has become the first non provincial capital city in Hunan Province to implement two consecutive loans of this kind, providing fast moving guarantee housing for local industrial parks. In addition to refinancing, special funds have also become an important source of funding to accelerate the landing of acquisitions. Hubei Jingmen has applied for 10 acquisition projects and plans to issue special bonds with a total amount of 470 million yuan; In the recently released special action plan to boost consumption in Guangzhou, it is proposed to use special loans to purchase existing commercial housing as resettlement housing. At the policy level, it is emphasized to optimize the supply of affordable housing and regulate the development of the rental market. Introducing low-cost funding sources such as special bonds can help accelerate the acquisition of existing commercial housing. At the local level, Shenzhen and other places support the acceleration of raising rental housing through methods such as acquiring, storing, subleasing, or non residential insurance. Many areas provide housing security for college students, young talents, and other groups, reducing the burden on rental housing groups. ”Cao Jingjing, General Manager of Index Research Department of Zhongzhi Research Institute, told reporters. Increasing the supply of affordable housing through methods such as storage, subleasing, and non residential reform can alleviate the housing pressure on young people and new citizens to a certain extent. ”Yan Yuejin, Vice President of Shanghai E-house Real Estate Research Institute, told reporters that on the one hand, this can fill the gaps in some areas' affordable housing and make the housing supply structure more balanced; At the same time, it can also find new channels for the commercialization of existing commercial housing, promoting the formation of a more virtuous cycle in the real estate market. (New Society)