上海打出限购政策松绑组合拳 一线置业顾问：“忙得没时间吃午饭”

Core Viewpoint - The new real estate policy in Shanghai aims to stimulate housing demand by relaxing purchase restrictions and lowering financing costs, particularly benefiting the outer ring housing market [4][6][9]. Group 1: Policy Changes - The new policy removes purchase limits for Shanghai residents and allows non-local residents to buy homes in the outer ring after one year of tax or social security contributions [6][7]. - Single residents are treated similarly to family units in terms of housing purchase limits, allowing them to buy without restrictions in the outer ring [7][8]. - The policy aligns with previous measures in Beijing, focusing on improving housing demand and balancing work and living conditions [6][7]. Group 2: Market Impact - The policy is expected to significantly boost housing transactions, especially in the outer ring, which accounted for over 60% of new home sales recently [6][9]. - The upcoming "Golden September and Silver October" sales period is anticipated to see increased activity due to these favorable policy changes [4][11]. - Analysts suggest that the policy will help alleviate inventory pressure in the outer ring and maintain a smooth transition between new and second-hand housing markets [7][8]. Group 3: Financial Adjustments - The policy increases the maximum loan limits for housing provident funds, with first-time buyers now eligible for up to 184 million yuan, and additional benefits for families with multiple children [9][10]. - It allows buyers to withdraw provident funds for down payments without affecting their loan limits, thereby easing the financial burden on homebuyers [10]. - The adjustment in commercial loan interest rates is expected to lower monthly payments for second homes, enhancing affordability for buyers [10][11].