上海进一步优化住房限购政策

Group 1 - The core viewpoint of the news is the optimization and adjustment of Shanghai's real estate policies to enhance housing purchase accessibility and reduce costs for residents [1][2][3] Group 2 - The new policy allows eligible residents to purchase an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring road for local residents [1] - 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 [1] - The policy includes provisions for single adults to be treated similarly to family units regarding housing purchase limits [1] Group 3 - The housing provident fund loan limits have been increased, with the maximum loan for first-time buyers rising from 1.6 million to 1.84 million yuan, and for families with multiple children from 1.92 million to 2.16 million yuan [2] - The second home loan limit has been raised from 1.3 million to 1.495 million yuan [2] - The policy allows for the withdrawal of housing provident funds to pay for down payments, and does not affect the calculation of loan limits [2] Group 4 - The personal housing credit policy has been optimized to reduce interest burdens, with no differentiation between first and second homes in loan interest rate pricing [3] - Property tax exemptions are provided for eligible non-local residents purchasing their first home, with a deduction of 60 square meters for second homes based on total family housing area [3] - The policy aims to support housing demand from multiple angles, including new purchase qualifications and reduced costs for buyers [3]