深夜突发！深圳楼市限购调整，本周六起施行！

Core Viewpoint - Shenzhen's new real estate policy, effective from September 6, 2025, aims to optimize and adjust housing purchase regulations, following similar moves in Beijing and Shanghai [1] Group 1: Housing Purchase Policy Adjustments - Residents eligible to purchase commodity housing in specified districts (including Luohu, Baoan, Longgang, Longhua, Pingshan, and Guangming) can buy an unlimited number of properties [2] - Non-local residents without proof of continuous social insurance or income tax payments for at least one year are limited to purchasing two properties in the same districts [2] - In Yantian District and Dapeng New District, there will be no qualification review for purchasing commodity housing [3] Group 2: Corporate Housing Purchase Policy - Enterprises can purchase commodity housing across Shenzhen to address employee housing needs, with specific conditions in certain districts [3] - In districts like Futian, Nanshan, and Baoan (Xinan Street), companies must meet criteria such as being established for over one year and having paid at least 1 million RMB in taxes [3] Group 3: Personal Housing Loan Policy - Financial institutions will no longer differentiate between first and second home loans in terms of interest rate pricing, allowing for more flexible loan arrangements [3] Group 4: Housing Fund Management Adjustments - New proposals include six additional scenarios for withdrawing housing provident fund to support home purchases, including down payment and tax payment withdrawals [4] - Full withdrawal of provident fund balance is allowed for first homes, while second homes can withdraw up to 60% of the balance [4] - The scope for loan repayment withdrawals has been expanded nationwide, allowing for withdrawals to cover loans for homes purchased outside Shenzhen [4] Group 5: Market Trends and Insights - The second-hand housing market in Shenzhen shows signs of recovery, with a four-month increase in transaction volume as of August [6] - Despite some recovery, many properties still face pressure on sales, with buyers awaiting new policy changes [6] - The overall market remains favorable for first-time buyers due to friendly loan and interest conditions, suggesting continued high transaction levels in the second-hand market [6] Group 6: Broader Market Context - Major cities like Guangzhou have fully lifted purchase restrictions, while Beijing, Shanghai, and Shenzhen are progressively relaxing their policies [7] - The trend of "targeted loosening" in real estate policies aims to stimulate demand and alleviate inventory pressure, indicating a potential acceleration in further relaxations [7]