上海外环外符合条件不限购 新政六大看点蓄力“金九银十”

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, adjusting personal housing loan interest rates, and improving property tax regulations. These measures are set to take effect on August 26, 2025, and are designed to stimulate housing demand and support market stability. Group 1: Housing Purchase Restrictions - The new policy allows eligible residents to purchase an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring road for local residents. Non-local residents can also buy without limits outside the outer ring if they have paid social insurance or income tax for at least one year, and are limited to one home within the inner ring if they have paid for three years [1][2]. Group 2: Housing Provident Fund Policy - The policy increases the maximum loan amount for housing provident fund loans by 15% for those purchasing new green buildings. The first loan limit rises from 1.6 million to 1.84 million yuan, and for families with multiple children, it increases from 1.92 million to 2.16 million yuan. The second loan limit increases from 1.3 million to 1.495 million yuan. Additionally, it allows for the withdrawal of provident fund for down payments without affecting loan limits [3]. Group 3: Personal Housing Loan Interest Rates - The new policy eliminates the distinction between first and second home loan interest rates, allowing banks to set rates based on market conditions and individual risk profiles. This change is expected to reduce monthly payments significantly for second homes, enhancing affordability for buyers [4][5]. Group 4: Property Tax Regulations - The policy introduces a temporary exemption from property tax for the first home purchased by non-local residents and provides a tax deduction of 60 square meters for the second home and beyond. This aims to lower the holding costs for buyers and encourage market participation [4][6]. Group 5: Market Impact and Expectations - Analysts suggest that these comprehensive measures will alleviate market anxiety and stimulate demand across various buyer segments. The policy is expected to enhance the purchasing power of buyers, particularly in the outer ring areas, and facilitate smoother transactions in both new and second-hand markets. The timing of the policy rollout is seen as strategic, coinciding with the traditional peak sales season [5][7].