上海宣布！调减住房限购政策

Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market, including reducing housing purchase restrictions, enhancing housing provident fund policies, and improving personal housing loan conditions, effective from August 26, 2025 [1][2][3] Group 1: Housing Purchase Restrictions - The policy reduces housing purchase restrictions, allowing eligible resident families to buy an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring road [1] - For non-local resident families, those who have paid social insurance or individual income tax in Shanghai for over one year can buy unlimited homes outside the outer ring road, and those with over three years of contributions can purchase one home within the inner ring road [1] Group 2: Housing Provident Fund Policy - The policy increases the maximum loan amount for housing provident fund loans by 15% for buyers of new green buildings rated two stars or above, raising the first loan limit from 1.6 million to 1.84 million yuan, and for families with multiple children, from 1.92 million to 2.16 million yuan [2] - The second loan limit is increased from 1.3 million to 1.495 million yuan [2] - The policy allows for the withdrawal of housing provident fund to pay for the down payment of new pre-sale properties and supports the "withdraw and loan" option without affecting the loan limit calculation [2] Group 3: Personal Housing Loan Policy - The policy optimizes personal housing loan conditions by allowing banks to set interest rates without differentiating between first and second homes, based on market rate pricing and individual risk assessments [2] Group 4: Property Tax Adjustments - The policy states that non-local resident families purchasing their first home will be exempt from property tax, while for second homes, a tax exemption of 60 square meters per person will be applied after calculating the total housing area [3] - This property tax exemption will take effect from January 1, 2025, for eligible buyers [3]