Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market, including reducing housing purchase restrictions and enhancing housing fund support for homebuyers, effective from August 26, 2025 [1] Group 1: Policy Adjustments - The notification includes a reduction in housing purchase restrictions, optimization of housing provident fund policies, and improvements in personal housing credit and property tax measures [1] - The policy adjustments are a collaborative effort from six departments, including the Shanghai Municipal Housing and Urban-Rural Development Commission and the Shanghai Municipal Bureau of Housing Management [1] Group 2: Housing Provident Fund Enhancements - The maximum loan amount for housing provident fund will increase by 15% for individuals purchasing new green buildings rated two stars or above [1] - The maximum loan amount for first-time homebuyers will rise from 1.6 million yuan to 1.84 million yuan, with additional increases for families with multiple children, raising the limit from 1.92 million yuan to 2.16 million yuan [1] - The maximum loan amount for second-time homebuyers will increase from 1.3 million yuan to 1.495 million yuan [1] Group 3: Withdrawal and Loan Support - Homebuyers will be allowed to withdraw their housing provident fund to pay for the down payment on newly built pre-sold properties [1] - The policy allows for simultaneous withdrawal and loan application, meaning that withdrawing funds for the down payment will not affect the calculation of the housing provident fund loan limit [1]
上海：提高个人住房公积金贷款额度 支持提取住房公积金支付购房首付款
Feng Huang Wang·2025-08-25 04:09