Zhengzhou plans to introduce 8 new real estate policies.

On March 21, 2026, the opening ceremony of the Zhengzhou Spring Housing Fair and Youth Talent Homebuying Festival was held in Zhengzhou Zhengdong New District. At the event, officials from the Zhengzhou Housing Security and Real Estate Management Bureau introduced that Zhengzhou will implement 8 real estate market regulation policies and release them to the public in a timely manner. The specific policy contents are as follows: 1. Support for young people to own homes. Encourage financial institutions to launch special financial products and services for young people under the age of 35 who come to Zhengzhou for employment and entrepreneurship, in order to better meet the diverse housing credit needs of young people. 2. Strengthen support for families with multiple children buying homes. For families with multiple children who already have one residential property in the local area, when applying for provident fund loans to purchase another property, they can have a maximum loan amount increase of 20% based on the maximum loan for the family's first home. 3. Implementing down payment ratios for commercial property loans. Guide financial institutions to implement policies that the minimum down payment ratio for commercial property purchase loans shall not be lower than 30%. 4. Clarify the standards for determining the number of home purchases. For newly purchased residential properties within the city, only the housing situation of the buyer within the administrative district where the property is located will be checked. If the buyer does not own a property, it will be considered as the first home. 5. Optimize the conditions for applying for provident fund loans. Until December 31, 2026, when the applicant meets the current conditions for other loans and the family has no balance on the provident fund loan, they can apply for a housing provident fund loan under the policy for first-time buyers when purchasing improved housing. 6. Increase the supply of affordable rental housing. Through various channels such as acquisition, new construction, and transformation, the supply will be effectively increased, with 10,000 units allocated in 2026. The allocation process will be optimized to improve efficiency and fairness, playing a role in housing security for attracting and retaining talent. 7. Improve supporting public services. Families who have purchased commercial housing and actually moved in, with a signed and recorded sales contract, can enjoy basic public services such as age-appropriate children being assigned to schools. 8. Implement the "one house, one code" system for second-hand housing. Strengthen the transparency of the second-hand housing market, enhance property verification and coding, utilize platforms like "Zheng Good House" and "Zheng Housing Trading Network" to complete ownership verification and generate unique property verification codes, achieving a "one house, one code" system for second-hand housing.