上海楼市“沪六条”发布：外环外符合条件不限套数，单身买房视同家庭

Core Viewpoint - Shanghai has announced a significant adjustment to its real estate policies, effective from August 26, 2025, aimed at stimulating housing demand and addressing market needs through various measures including changes to housing purchase restrictions, housing provident fund policies, housing credit, and property tax regulations [1][16]. Group 1: Housing Purchase Restrictions - Families meeting the criteria can purchase an unlimited number of homes outside the outer ring road, including both new and second-hand properties [3][17]. - Adult singles will be subject to the same housing purchase restrictions as resident families [4][10]. - Non-resident families who have paid social insurance or income tax in Shanghai for over one year can also purchase homes outside the outer ring without limit [17]. Group 2: Housing Credit Optimization - Commercial personal housing loan rates will no longer differentiate between first and second homes, potentially lowering costs for buyers [5][20]. - The maximum loan amount for housing provident funds will increase by 15% for those purchasing new green buildings rated two stars or above [5][19]. - Borrowers can withdraw their provident fund to pay the down payment without affecting their loan limits [15][19]. Group 3: Property Tax Adjustments - Non-resident families purchasing their first home will be exempt from property tax, while those buying a second home will receive a tax exemption for 60 square meters per person after combining all housing areas [6][21]. - This adjustment aims to reduce disparities between resident and non-resident families regarding property tax policies [6]. Group 4: Market Response and Trends - The new policies are expected to stimulate demand, particularly in the outer ring areas, where there is a significant number of potential buyers looking to upgrade their living conditions [8][9]. - The adjustments are part of a broader strategy to stabilize the real estate market and respond to public calls for more favorable housing policies [7][11].