Recently, renowned economist Li Daokui proposed that the government introduce a mortgage interest subsidy policy to alleviate downward pressure on the real estate market and reduce the burden of homebuyers. He noted that in some cities, housing prices continue to fall, buyer confidence remains weak, and high interest rates make it difficult for both first-time and improvement-oriented buyers to enter the market. Subsidizing mortgage interest through fiscal means would lower borrowers’ actual loan costs, stabilize market expectations, stimulate housing consumption, and boost related industries. Li emphasized that such subsidies should be precisely targeted—prioritizing first-home buyers and those upgrading their residences—while avoiding support for speculative purchases. He also suggested integrating this policy with initiatives like affordable housing construction and rental market development to build a comprehensive housing support system. Experts believe that if properly implemented, mortgage interest subsidies could quickly restore market confidence in the short term, while longer-term stability will require complementary structural reforms in land use, taxation, and other areas to ensure the healthy and sustainable development of China’s real estate sector.
近日，著名经济学家李稻葵建议政府出台房贷贴息政策，以缓解当前房地产市场下行压力和居民购房负担。他指出，当前部分城市房价持续下跌，购房者信心不足，叠加高利率环境，使得刚需群体和改善型需求难以释放。通过财政贴息方式降低购房者的实际贷款成本，不仅有助于稳定楼市预期，还能刺激住房消费，进而带动上下游产业链复苏。李稻葵强调，贴息政策应精准施策，优先覆盖首套房和改善性住房需求，避免资金流向投机性购房。此外，该政策可与保障性住房建设、租赁市场发展等措施协同推进，形成多维度的住房支持体系。专家认为，若实施得当，房贷贴息有望在短期内提振市场信心，中长期则需配合土地、财税等结构性改革，实现房地产市场的平稳健康发展。
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