--- title: "\"Inner Housing\" Zhengzhou plans to introduce new real estate policies to support young people in purchasing homes and reduce the down payment ratio for commercial property loans" type: "News" locale: "en" url: "https://longbridge.com/en/news/280073897.md" description: "Zhengzhou plans to introduce eight real estate market regulation policies to support young homebuyers and reduce the down payment ratio for commercial property loans. The new policies include offering special financial products for individuals under 35, allowing families with multiple children to apply for higher amounts of housing provident fund loans when purchasing homes, simplifying the qualification review for home purchases, and guiding financial institutions to set the down payment ratio for commercial property loans at no less than 30%. In addition, there are plans to increase housing supply through various channels and provide basic public services for families that have already purchased homes" datetime: "2026-03-22T23:17:00.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/280073897.md) - [en](https://longbridge.com/en/news/280073897.md) - [zh-HK](https://longbridge.com/zh-HK/news/280073897.md) --- # "Inner Housing" Zhengzhou plans to introduce new real estate policies to support young people in purchasing homes and reduce the down payment ratio for commercial property loans According to domestic media reports, the 2026 Zhengzhou Spring Housing Expo and Youth Talent Home Purchase Festival launch ceremony recently opened in Zhengdong New District, Zhengzhou. A relevant person in charge from the Zhengzhou Housing Security and Real Estate Management Bureau revealed at the event that Zhengzhou will introduce eight real estate market regulation policies, which will be timely released and implemented to the public. The specific new policies include: encouraging financial institutions to launch specialized financial products and services for the local employment and entrepreneurship youth group under the age of 35, to meet the diversified housing credit needs of young people. For multi-child families that already own a home in the area, when purchasing commercial housing again and applying for a provident fund loan, they can increase the maximum loan amount for the family's first home by 20%. For newly purchased housing within the city, only the housing situation of the buyer in the administrative district where the intended purchase is located will be checked; those without housing will be recognized as first-time homebuyers. Financial institutions are guided to implement a policy that the minimum down payment ratio for commercial property (including mixed-use properties) home purchase loans should not be less than 30%. In addition, by the end of this year, if applicants meet the current other loan conditions and have no balance on their provident fund loans, they can apply for housing provident fund loans for improved housing according to the first home loan policy. Through various channels such as acquisition, new construction, and conversion, effectively increase supply, with 10,000 housing units allocated this year. Families that have purchased commercial housing and actually moved in can enjoy basic public services such as school enrollment for eligible children based on the signed and filed commercial housing sale contract, as well as implement a "one house, one code" system for second-hand housing to strengthen the transparency of the second-hand housing market ### Related Stocks - [530060.CN](https://longbridge.com/en/quote/530060.CN.md) - [510210.CN](https://longbridge.com/en/quote/510210.CN.md) - [003033.CN](https://longbridge.com/en/quote/003033.CN.md) - [159263.CN](https://longbridge.com/en/quote/159263.CN.md) - [510030.CN](https://longbridge.com/en/quote/510030.CN.md) - [002833.CN](https://longbridge.com/en/quote/002833.CN.md) - [002800.CN](https://longbridge.com/en/quote/002800.CN.md) - [003039.CN](https://longbridge.com/en/quote/003039.CN.md) - [003032.CN](https://longbridge.com/en/quote/003032.CN.md) - [000001.CN](https://longbridge.com/en/quote/000001.CN.md) - [000300.CN](https://longbridge.com/en/quote/000300.CN.md) - [003037.CN](https://longbridge.com/en/quote/003037.CN.md) - [002837.CN](https://longbridge.com/en/quote/002837.CN.md) ## Related News & Research - [New Home Prices Rise, Hold Steady in Five More Major Chinese Cities in April](https://longbridge.com/en/news/286849542.md) - [China April Retail Sales +0.2% y/y (exp 2%) & Industrial Prduction +4.1% y/y (exp 5.9%)](https://longbridge.com/en/news/286699672.md) - [China economy slows sharply as investment returns to contraction](https://longbridge.com/en/news/286707036.md) - [China new home prices fall at slowest monthly pace in a year in April](https://longbridge.com/en/news/286697169.md) - [China's property investment extends decline in January-April](https://longbridge.com/en/news/286699189.md)