Core Viewpoint - Shanghai has introduced new real estate policies aimed at optimizing housing purchase conditions, reducing barriers for residents, and stimulating market confidence following similar adjustments in Beijing [1][3]. Group 1: Policy Adjustments - The new policies include reducing housing purchase restrictions, optimizing housing provident fund policies, improving personal housing loans, and refining property tax regulations [1][2]. - Shanghai allows local residents and certain non-local residents to purchase unlimited housing units outside the outer ring, while limiting purchases to two units within the inner ring [1][2]. Group 2: Housing Market Dynamics - Data indicates that over 60% of new residential transactions occur outside the outer ring, with around 51% of second-hand transactions also in that area, highlighting inventory pressure [2]. - The removal of purchase limits in the outer ring is expected to release purchasing power and alleviate inventory issues [2]. Group 3: Financial Support Measures - The new policies increase the maximum loan amounts for housing provident funds, with first-time homebuyers now eligible for up to 1.84 million yuan, and families with multiple children receiving additional benefits [2]. - Commercial loans will no longer differentiate between first and second homes, potentially lowering interest rates and monthly payments for buyers [3]. Group 4: Taxation and Market Sentiment - The property tax policy has been adjusted to exempt the first home purchase for eligible non-local residents and provide tax deductions based on household size for additional properties [3]. - The new policies are expected to boost market sentiment and purchasing activity, particularly in the traditional peak sales months of September and October [3][4].
中经评论:优化房地产政策为市场注入新动能
Jing Ji Ri Bao·2025-08-27 00:14