上海：优化住房公积金政策

Core Viewpoint - Shanghai's housing policy adjustments aim to optimize housing provident fund policies to support homebuyers and stimulate the real estate market [1] Summary by Relevant Categories Housing Provident Fund Policy Adjustments - The maximum loan limit for individuals purchasing new green buildings rated two stars or above is increased by 15% [1] - The first home loan limit is raised from 1.6 million yuan to 1.84 million yuan, with multi-child families able to stack the increase, raising the limit from 1.92 million yuan to 2.16 million yuan [1] - The second home loan limit is increased from 1.3 million yuan to 1.495 million yuan [1] Support for Down Payments - Homebuyers can withdraw their housing provident fund to pay for the down payment when purchasing newly built presale properties in the city [1] Loan and Withdrawal Flexibility - The policy allows for simultaneous withdrawal and loan application from the housing provident fund, meaning that withdrawing funds for the down payment does not affect the calculation of the loan limit [1]