沪六条”首周！实探上海楼市：优质新盘余量告急，二手房成交“淡季不淡

Core Viewpoint - The implementation of the "Six Policies" in Shanghai has led to a significant increase in buyer interest and market activity in both new and second-hand housing sectors, with expectations for continued growth during the traditional peak season of "Golden September and Silver October" [1][11]. New Housing Market - Following the "Six Policies," there has been a noticeable increase in visitor numbers at new housing projects, with some projects experiencing a doubling of visitor traffic on weekends [4][8]. - A specific new project has seen a near 90% sales rate, attributed to its favorable location and the recent policy changes allowing the use of housing provident fund for down payments [4][11]. - The cancellation of purchase limits outside the outer ring has activated previously dormant demand, leading to a surge in inquiries and viewings [4][12]. Second-Hand Housing Market - The second-hand housing market has also shown a significant uptick, with a daily net signing of 1,103 units on August 30, marking a three-month high [9]. - In August, second-hand housing transactions exceeded 19,900 units, reflecting a year-on-year increase of approximately 12% and a month-on-month increase of 3.44% [9]. - The increase in inquiries and viewings indicates a boost in market confidence, although buyers remain cautious due to the abundance of listings and potential price negotiations [9][10]. Policy Impact - The adjustment of the commercial housing loan interest rate mechanism, which no longer differentiates between first and second homes, is expected to alleviate financial pressure on buyers and stimulate demand for improved housing [11][12]. - The current lowest interest rates for first and second homes are 3.05% and 3.09%, respectively, which could reduce monthly mortgage costs significantly [11][12]. - The overall sentiment in the market is optimistic, with expectations for a sustained active market in the coming months, particularly during the peak sales season [12].