中国延长已核准的房地产项目的贷款期限,以完成房屋建设和稳定经济。 China extends loan terms for approved real estate projects to finish homes and stabilize economy.

政府“白名单”上的中国房地产项目如果符合标准,可以获得延长贷款期,目的是根据行业来源完成旧房并减少金融风险。 Chinese real estate projects on the government’s "white list" may receive extended loan terms if they meet criteria, aiming to complete presold homes and reduce financial risks, according to industry sources. 2024年融资协调方案已批准了超过7万亿元(1万亿美元)的贷款,但挑战包括担保要求、缓慢付款和依赖项目销售。 The 2024 financing coordination program has approved over 7 trillion yuan ($1 trillion) in loans, but challenges include collateral requirements, slow disbursements, and reliance on project sales. 2026年以后的延期有助于使还款与该部门的复苏时间表相一致,特别是因为40%以上的开发商债务在2024年至2026年期间到期。 Extensions beyond 2026 help align repayments with the sector’s recovery timeline, especially as over 40% of developer debt matures between 2024 and 2026. 该政策支持银行资产质量,防止危难销售,符合2025年12月中央经济工作会议确定的国家经济目标。 The policy supports bank asset quality and prevents distress sales, aligning with national economic goals set at the December 2025 Central Economic Work Conference.