Core Viewpoint - The recent notification from Shanghai's housing authorities aims to optimize and adjust real estate policies, including easing housing purchase restrictions and enhancing housing provident fund loan limits, effective from August 26, 2025 [1][2][3]. Group 1: Housing Purchase Policies - Eligible residents can purchase an unlimited number of homes outside the outer ring road, with specific conditions for both local and non-local residents [1][3]. - Local residents and single adults can buy unlimited homes outside the outer ring, while there is a limit of two homes within the inner ring [1]. - Non-local residents can buy unlimited homes outside the outer ring 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 if they have paid for three years [1]. Group 2: Housing Provident Fund Policies - The maximum loan limit for first-time homebuyers has increased from 1.6 million yuan to 1.84 million yuan, with additional increases for families with multiple children [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 fund to pay for the down payment of newly built homes, and does not affect the calculation of loan limits [2]. Group 3: Tax Policies - Non-local residents purchasing their first home will be exempt from property tax, while the second and subsequent homes will have a tax exemption based on a per capita area of 60 square meters [3]. - This tax policy will take effect from January 1, 2025, benefiting eligible buyers [3]. Group 4: Market Impact - The policy changes are expected to stimulate housing demand by broadening purchase eligibility and reducing costs associated with home buying [3]. - The integration of green building initiatives with housing provident fund loans is aimed at promoting better housing products in the market [3].
上海进一步优化住房限购政策 符合条件居民家庭在外环外购房不限套数
Zhong Guo Zheng Quan Bao·2025-08-25 21:10