上海进一步放宽购房资格

Core Viewpoint - The Shanghai Municipal Housing and Urban-Rural Development Committee has issued a notification to optimize and adjust real estate policies, including reducing housing purchase restrictions, optimizing housing provident fund policies, and improving personal housing loan conditions [1][2]. Group 1: Housing Purchase Restrictions - The new policy significantly relaxes housing purchase restrictions, allowing non-local single individuals and families who meet a one-year social insurance requirement to purchase an unlimited number of homes outside the outer ring of Shanghai [1]. - Previously, local residents were limited to purchasing two homes within the city, while non-local families could only buy one home outside the outer ring after one year of social insurance contributions, and one home inside the inner ring after three years [1]. Group 2: Housing Provident Fund Policies - The notification includes an increase in the maximum loan amount for housing provident funds, with the first home loan limit rising from 1.6 million yuan to 1.84 million yuan, and for families with multiple children, it increases from 1.92 million yuan to 2.16 million yuan [2]. - The second home loan limit has been raised from 1.3 million yuan to 1.495 million yuan [2]. - The policy allows for the withdrawal of housing provident funds to pay for the down payment on new homes, and this withdrawal will not affect the calculation of the housing loan limit [2].