深夜突袭！深圳楼市出台新政：限购再松绑，首套二套利率拉平

Core Viewpoint - Shenzhen's housing policy has been optimized to better meet residents' housing needs and promote stable development in the real estate market, allowing for more flexible purchasing conditions for both individuals and enterprises [1][2][3][4] Group 1: Residential Purchase Policy Adjustments - Residents meeting the purchasing conditions can buy an unlimited number of commercial housing units in specified districts, including Luohu, Baoan (excluding Xin'an Street), Longgang, Longhua, Pingshan, and Guangming [1] - Non-local residents without proof of continuous social insurance or income tax payments for over a year can purchase up to two units in the same specified districts [1] - No qualification review is required for purchasing commercial housing in Yantian District and Dapeng New District [1] - Single adults are subject to the same purchasing limits as resident families [1] Group 2: Enterprise Purchase Policy Adjustments - Enterprises can purchase commercial housing within the city to address employee housing needs, with specific conditions for purchases in Futian, Nanshan, and Baoan (Xin'an Street) [2] - The conditions include a minimum establishment period of one year, a total tax payment of at least 1 million RMB, and a minimum of 10 employees [2] - No qualification review is required for purchasing 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 loan interest rates, allowing for more flexible pricing based on market conditions and individual risk profiles [3][4] - Previously, first home loan rates were set at LPR minus 45 basis points (3.05%), while second home loan rates were LPR minus 5 basis points (3.45%) [4] - The new policy eliminates this differentiation, allowing banks to set rates without considering the number of properties owned [4] Group 4: Market Context - In August, Shenzhen's real estate market showed a relative downturn, with a total of 6,326 new and second-hand property registrations, a month-on-month decrease of 13.5% and a year-on-year decrease of 10.0% [4] - New residential registrations were 2,151, down 19.1% month-on-month and down 33.3% year-on-year, while second-hand residential registrations were 4,175, down 10.3% month-on-month but up 9.8% year-on-year [4]