深圳进一步优化调整房地产政策措施 优化调整个人住房信贷政策

Core Viewpoint - Shenzhen's housing and construction bureau, along with the People's Bank of China Shenzhen branch, announced new policies to optimize real estate regulations, aiming to meet residents' housing needs and promote a stable market [1][2][3] Group 1: Residential Purchase Policy Adjustments - Residents eligible to purchase commercial housing in specified districts can buy an unlimited number of properties [1] - Non-local residents without proof of continuous social insurance or income tax payments can purchase up to two properties in designated areas [1] - No qualification review is required for purchasing properties in Yantian District and Dapeng New District [1] - Single adults are subject to the same purchasing limits as resident families [1] Group 2: Corporate Purchase Policy Adjustments - Enterprises can purchase commercial housing within the city to address employee housing needs [2] - In specific districts, companies must meet criteria such as being established for over one year, having paid at least 1 million RMB in taxes, and employing at least 10 staff members to buy properties [2] - No qualification review is required for corporate purchases in other areas of the city [2] Group 3: Personal Housing Credit Policy Adjustments - Financial institutions will no longer differentiate between first and second home loans in their interest rate pricing, allowing for more flexible loan terms [3] - The new policies will take effect from September 6, 2025 [3]