上海公积金贷款额度提升、可付首付，逐条详解楼市大礼包！

Core Viewpoint - Shanghai's new housing policy aims to stimulate the real estate market by relaxing purchase restrictions and increasing loan limits for both first and second homes, effective from August 26, 2025 [1][2][3]. Group 1: Housing Purchase Policies - Eligible residents can purchase an unlimited number of homes outside the outer ring, including both new and second-hand properties [1]. - Adult single individuals are treated as families under housing purchase restrictions, allowing them to buy homes outside the outer ring without limits [2]. - Non-local residents who have paid social insurance or income tax for over one year can also purchase unlimited homes outside the outer ring [2]. Group 2: Housing Loan Policies - The maximum loan limit for first-time homebuyers using housing provident fund loans has increased by 15%, from 1.6 million yuan to 1.84 million yuan, contingent on purchasing green buildings [3]. - The maximum loan limit for second homes has risen from 1.3 million yuan to 1.495 million yuan, reducing the cost of borrowing for buyers [4]. - Homebuyers can now withdraw housing provident funds to pay for down payments, specifically for new pre-sale properties, enhancing liquidity in the first-hand housing market [5][6]. Group 3: Tax Policies - First-time homebuyers from non-local households are exempt from property tax, while the second home and beyond will have a tax exemption based on a per capita area of 60 square meters [6]. - The policy aims to reduce the holding costs of housing and attract talent to live and work in Shanghai, promoting housing consumption [6].