央行上海总部宣布

Group 1 - The People's Bank of China announced on August 25 that the pricing mechanism for commercial personal housing loans in Shanghai will no longer differentiate between first and second homes, which is expected to reduce the interest burden on residents [1][2] - The new unified loan rate for second homes in Shanghai's core urban areas is set at LPR-45 basis points, down from LPR-5 basis points for first homes, which will alleviate repayment pressure for families with multiple properties [1] - Over 95% of first-time homebuyer projects rely on bank mortgage loans, indicating that the removal of the interest rate difference will help improve repayment pressure for various groups and stimulate demand for upgrades [1] Group 2 - The announcement also grants banks the autonomy to determine specific loan rates based on their operational conditions and customer risk profiles, allowing for more flexible credit resource allocation and improved risk management [2] - The Shanghai Municipal Housing and Urban-Rural Development Committee has relaxed housing purchase restrictions, allowing eligible families to buy an unlimited number of homes outside the outer ring of the city [2] - The new policies include an increase in the housing provident fund loan limit and support for using the fund for down payments, which will not affect the calculation of loan limits [3] Group 3 - The policies also include a temporary exemption from property tax for first-time home purchases by non-Shanghai residents, with a tax exemption of 60 square meters per person for second homes and beyond, effective from January 1, 2025 [3]