苏州不再“限跌”？|EH视点【2023年12月第1周】

亿翰视点（12月第1周）

政策速览：苏州新房降价幅度不受限制，预计难以全国推广

融资信息：央行为房企融资发声，三只商业REITs获批注册

研究成果精选：“三支箭”一周年，融资新措施能救民企吗？——11月房地产行业月报（第65期）

政策速览：苏州新房降价幅度不受限制，预计难以全国推广

本周，政策依旧主要是围绕需求端展开的，包括降低二套房公积金贷款首付比例、开展购房补贴等。比如，苏州自12月1日起实施“卖旧买新”购房契税补贴，温州二套房公积金贷款首付比例由40%降至30%。在供给端，为推动房地产转型发展，多地出台政策支持“商改住”、“商改公”，以有效盘活非居住房屋资源。例如，湖北12月8日发文支持非住宅商品房去库存。

此外，据悉苏州新房销售降价幅度不受限制，当地住建局回应，此举是为了让价格回归市场，减少楼盘烂尾。我们认为，目前来看多城均有项目降价后引发的舆情和监管，因此持续关注苏州政策的落实情况，预计全国范围内的取消较难。

融资信息：弱化房地产市场风险水平，推动REITs市场扩面提质

12月第1周，本周房地产企业总计获得债券融资113.53亿元，但E50房企未获得融资。

本周，央行行长潘功胜在人民日报撰文表示，要主动适应我国房地产市场重大转型，弱化房地产市场风险水平，防范房地产市场风险外溢，一视同仁满足不同所有制房地产企业合理融资需求，维护房地产市场稳健运行。

随着央行的频繁表态，金融机构也在为政策的落地而努力。工商、建设、中国、中信、光大、邮储等多家银行积极与房企深入交流，其中邮储银行已下发非国有房企重点支持名单，中国东方则举办房企风险化解研讨会，称将积极参与房地产市场风险化解。

防范、化解风险是当下房地产金融的重要课题，对金融机构来说，防风险不能一味地惜贷甚至抽贷，如果大家都这么做，反而会导致风险进一步扩散，从而外溢到稳健经营的企业。一视同仁，以项目风险评估、资金封闭运行为风控模式，来决定是否给予贷款，才能同时实现行业稳定和风险可控。

另外，证监会主席易会满近期表示，要推动不动产投资信托基金（REITs）市场扩面提质，REITs进一步的试点、探索或将加速。

研究成果精选：

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