深圳深夜发文：进一步放宽住房限购 专家：尺度比其他城市大

Group 1: Policy Adjustments for Residential Housing Purchases - The policy allows eligible residents, including local and non-local families with certain conditions, to purchase an unlimited number of residential properties in specific districts such as Luohu, Bao'an (excluding Xin'an Street), Longgang, Longhua, Pingshan, and Guangming [1] - In core areas like Futian, Nanshan, and Bao'an (Xin'an Street), local families are limited to two properties, while non-local families can purchase one [1] - Non-local families without proof of social insurance or income tax payments for at least one year can buy up to two properties in designated non-core areas but are restricted from purchasing in core areas [1] - There will be no qualification review for purchasing properties in Yantian and Dapeng New Districts, and single adults will be treated as families under the purchasing policy [1] Group 2: Policy Adjustments for Enterprises - Enterprises can purchase residential properties within the city to meet employee housing needs, with specific conditions for core areas like Futian, Nanshan, and Bao'an (Xin'an Street) [2] - In core areas, enterprises must have been established for at least one year, paid a total of 1 million RMB in taxes, and have at least 10 employees to qualify for property purchases [2] - In other areas, enterprises face no such restrictions and do not need to undergo qualification reviews [2] Group 3: Personal Housing Credit Policy Adjustments - The policy optimizes personal housing loan terms by eliminating the distinction between first and second home loan interest rates, allowing banks to set rates based on market conditions and individual risk profiles [3] Group 4: Market Impact and Expert Insights - The policy is expected to stimulate the housing market, particularly in areas with high enterprise presence like Longhua, Longgang, and Guangming, thereby enhancing transaction activity [8] - The adjustments align with broader national efforts to stabilize the real estate market and are anticipated to boost market confidence during the traditional peak sales period of "Golden September and Silver October" [9] - Compared to other major cities, Shenzhen's policy is more lenient, allowing for greater flexibility in property purchases, which may serve as a model for similar policies in other regions [7]