上海购房新政来了！

Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market to better meet residents' housing needs and promote stable development, effective from August 26, 2025 [1] Group 1: Housing Purchase Policy Adjustments - The housing purchase restrictions will be relaxed, allowing eligible residents to buy an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring road for local residents [3] - Non-local residents can also purchase unlimited homes outside the outer ring road if they have paid social insurance or income tax in Shanghai for at least one year, and are limited to one home within the inner ring road if they have paid for three years [3] Group 2: Housing Provident Fund Policy Optimization - The maximum loan amount for housing provident fund loans will be increased by 15% for those purchasing new green buildings, with the first loan limit raised from 1.6 million to 1.84 million yuan, and for families with multiple children, from 1.92 million to 2.16 million yuan [4] - The second loan limit will increase from 1.3 million to 1.495 million yuan, and withdrawals from the provident fund for down payments will be supported [4] Group 3: Personal Housing Loan Interest Rate Mechanism - The interest rate pricing mechanism for personal housing loans will be optimized, eliminating the distinction between first and second homes, allowing banks to set rates based on market conditions and individual risk profiles [5] Group 4: Property Tax Policy Improvements - For non-local residents purchasing their first home, property tax will be temporarily exempted, and for second homes, a deduction of 60 square meters per person will be applied when calculating the total housing area [7]