{"id":670351,"date":"2026-09-03T12:27:17","date_gmt":"2026-09-03T12:27:17","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/670351\/"},"modified":"2026-09-03T12:27:17","modified_gmt":"2026-09-03T12:27:17","slug":"chinas-new-home-finance-rules-reduce-buyer-risks-but-may-not-revive-the-market-analysts","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/670351\/","title":{"rendered":"China\u2019s new home finance rules reduce buyer risks but may not revive the market: analysts"},"content":{"rendered":"<p datatype=\"p\" data-qa=\"Component-Component\" class=\"e8zc9q40 css-1c6uqr6 ec74h0k1\">China\u2019s new housing finance rules reduce the risk of buying a new home but analysts are not convinced they will be enough to tempt hesitant buyers still weighed down by falling prices and weak confidence.<\/p>\n<p datatype=\"p\" data-qa=\"Component-Component\" class=\"e8zc9q40 css-1c6uqr6 ec74h0k1\">The changes are designed to reduce the risk in buying pre-sold homes. Mortgage funds for pre-sold homes will be released only after submission of the project completion filing, when the homes are certified as safe and ready to move in, rather than when the main structure is finished. The maximum mortgage term has also been extended to 40 years from 30.<\/p>\n<p datatype=\"p\" data-qa=\"Component-Component\" class=\"e8zc9q40 css-1c6uqr6 ec74h0k1\">The measures address a problem that emerged during China\u2019s property downturn, when some buyers were left paying mortgages on homes that developers struggled to complete.<\/p>\n<p datatype=\"p\" data-qa=\"Component-Component\" class=\"e8zc9q40 css-1c6uqr6 ec74h0k1\">But analysts said concerns about handover were only one factor behind the decline in home purchases.<\/p>\n<p datatype=\"p\" data-qa=\"Component-Component\" class=\"e8zc9q40 css-1c6uqr6 ec74h0k1\">\u201cI don\u2019t think the primary goal of this reform is really to \u2026 stimulate property demand,\u201d said Karl Choi, head of China property research at Bank of America. \u201cIt is [just] the right thing to do.\u201d<\/p>\n<p datatype=\"p\" data-qa=\"Component-Component\" class=\"e8zc9q40 css-1c6uqr6 ec74h0k1\">Choi said the reforms pointed to a move towards a system in which buyers had greater certainty about what they were purchasing. If homes were increasingly sold after completion, \u201cwhat you see is what you get\u201d, he said, adding that it also reduced the risk of unfinished projects.<\/p>\n<p><img decoding=\"async\" alt=\"High-rise buildings under construction in Shenzhen, August 7, 2026. Photo: Getty Images\" data-qa=\"BaseImage-handleRenderImage-StyledImage\" class=\"e1gf69pb2 css-6ikqhs e445x7d0\" loading=\"lazy\" src=\"https:\/\/www.europesays.com\/ie\/wp-content\/uploads\/2026\/09\/49cf3594-6e9f-4b88-978c-beaddd405995_3998aaf8.jpg\" title=\"High-rise buildings under construction in Shenzhen, August 7, 2026. Photo: Getty Images\"\/>High-rise buildings under construction in Shenzhen, August 7, 2026. Photo: Getty Images<\/p>\n","protected":false},"excerpt":{"rendered":"China\u2019s new housing finance rules reduce the risk of buying a new home but analysts are not convinced&hellip;\n","protected":false},"author":2,"featured_media":670352,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[174],"tags":[7213,31165,79,381,179,18,43849,7336,19,17,283235,283234,20827,20097,182018],"class_list":["post-670351","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economy","tag-bank-of-america","tag-barclays","tag-business","tag-china","tag-economy","tag-eire","tag-fitch-ratings","tag-housing-market","tag-ie","tag-ireland","tag-jeff-zhang","tag-karl-choi","tag-morningstar","tag-mortgage","tag-property-downturn"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/117207109478014169","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/670351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=670351"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/670351\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/670352"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=670351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=670351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=670351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}