Core Viewpoint - Shanghai's real estate policy has been optimized and adjusted, focusing on housing purchase restrictions, housing provident fund, housing credit, and housing tax, effective immediately, aiming to stimulate demand for both first-time and improved housing [1][7]. Housing Purchase Restrictions - The new policy allows eligible families to purchase an unlimited number of homes outside the outer ring, including both new and second-hand homes [3]. - Adult singles will be subject to the same housing purchase restrictions as resident families [4]. - The adjustments are designed to respond to market demand and enhance housing accessibility [2]. Housing Credit Optimization - Commercial personal housing loan rates will no longer differentiate between first and second homes [5]. - The housing provident fund policy has been optimized, allowing a 15% increase in the maximum loan amount for buyers of new green buildings rated two stars or above [5]. - Buyers of newly built pre-sale homes in Shanghai can withdraw their provident fund for down payments without affecting their loan limits [5]. Housing Tax Adjustments - The new policy introduces a tax exemption of 60 square meters per person for eligible non-resident families purchasing their second or more homes, aiming to reduce disparities in tax treatment [6]. Market Impact - The adjustments are expected to release purchasing power and activate trading activity, particularly benefiting single buyers [9]. - The policy changes align with the demand for housing in areas with significant industrial layout, supporting the balance between work and residence [10]. - The overall market performance in Shanghai is anticipated to become more active under the new regulations [12].
符合条件外环外购房不限套数 公积金可支付首付 商贷利率不再区分首套和二套 “沪六条”房地产新政今起施行
Jie Fang Ri Bao·2025-08-26 01:47