上海楼市新政今起施行，对购房有哪些影响？专家解读

Core Viewpoint - Shanghai has introduced new housing policies aimed at reducing purchase barriers and promoting a stable and healthy development of the real estate market, effective immediately [1] Policy Adjustments - The new regulations allow local residents and non-local residents who have paid social insurance or income tax for over one year to purchase unlimited housing outside the outer ring, including both new and second-hand homes [1] - Single adults will be subject to the same housing purchase restrictions as families [1] Market Impact - The policy changes are expected to stimulate market demand significantly, with over 60% of new residential transactions occurring outside the outer ring this year [3] - The outer ring has seen concentrated demand for first-time and improved housing needs, which the new policies aim to support [5] Financial Support Measures - The new policies optimize housing provident fund regulations, allowing for increased loan limits and enabling borrowers to withdraw funds for down payments without reducing their loan eligibility [8][10] - The maximum loan limit for first-time buyers has increased from 1.6 million to 1.84 million yuan, with additional increases for families with multiple children [10] Tax Incentives - The new regulations exempt first-time home purchases by eligible non-local residents from property tax, while providing a tax exemption for the first 60 square meters of combined family housing area for second and subsequent purchases [14] Interest Rate Adjustments - The new policies will lead to a reduction of over 40 basis points in mortgage rates for second homes in central urban areas, significantly lowering monthly repayments for buyers [12]