限购、公积金、房产税 上海调整房地产政策

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 limit will be reduced, 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 [2] - 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 over one year, and are limited to one home within the inner ring road if they have paid for over three years [2] 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, it will increase from 1.92 million to 2.16 million yuan [3] - The second loan limit will also be increased from 1.3 million to 1.495 million yuan [3] - Residents can withdraw their provident fund to pay for the down payment of new homes, and this withdrawal will not affect their loan limit [3] Group 3: Personal Housing Loan Interest Rate Mechanism - The interest rate pricing mechanism for commercial 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 factors [4] Group 4: Property Tax Policy Adjustments - Non-local residents purchasing their first home will be exempt from property tax, while for second homes and beyond, a tax exemption of 60 square meters per person will be applied after calculating the total housing area [6] - This property tax policy will take effect from January 1, 2025 [6]