Workflow
刷屏!上海购房新政来了
Zhong Guo Ji Jin Bao·2025-08-25 04:57

Core Viewpoint - Shanghai has announced new real estate policies aimed at optimizing housing purchase conditions for residents, including reducing housing purchase restrictions and enhancing housing fund policies, effective from August 26, 2025 [1][2][8]. Group 1: Housing Purchase Restrictions - The new policy allows eligible resident families to purchase an unlimited number of homes outside the outer ring road, including both new and second-hand properties [3][9]. - Shanghai residents and single adults can buy unlimited homes outside the outer ring, while they are limited to two homes within the inner ring [3][9]. - Non-Shanghai residents can purchase unlimited homes outside the outer ring if they have paid social insurance or income tax in Shanghai for at least one year; those with three years of contributions can buy one home within the inner ring [3][9]. Group 2: Housing Fund Policy - The policy increases the maximum loan amount for housing funds, with the first home loan limit raised from 1.6 million to 1.84 million yuan, and for families with multiple children, it can go up to 2.16 million yuan [4][11]. - It allows residents to withdraw housing funds to pay for the down payment of new homes, and this withdrawal does not affect the calculation of their loan limits [11][12]. Group 3: Personal Housing Loan Interest Rates - The policy optimizes the pricing mechanism for personal housing loans, eliminating the distinction between first and second home loans, allowing banks to set rates based on market conditions and individual risk profiles [6][12]. Group 4: Property Tax Policy - The policy states that eligible non-Shanghai resident families will be exempt from property tax on their first home purchase, while for second and subsequent homes, a tax exemption of 60 square meters per person will apply [5][15]. - This property tax exemption will take effect from January 1, 2025, for qualifying buyers [7][15].