上海发布楼市房产税新政

Core Viewpoint - Shanghai has announced new real estate policies that optimize the property tax pilot program for personal housing, allowing eligible individuals to temporarily avoid property tax payments [1][2]. Group 1: Property Tax Policy Adjustments - The new policy allows individuals holding a Shanghai residence permit and working in the city, including high-level talents and urgently needed professionals, to temporarily avoid property tax on their first home purchase [4][5]. - For those purchasing a second home, property tax will be exempted if the average per capita housing area does not exceed 60 square meters, with tax applied only to the area exceeding this limit [4][5]. - Individuals who have held a residence permit for less than three years will initially pay property tax, but can apply for a refund once they meet the three-year requirement [5][11]. Group 2: Housing Purchase Regulations - The policy allows families to purchase an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring for local residents and single adults [7]. - Non-local residents can also purchase homes outside the outer ring without limits, provided they have paid social insurance or income tax in Shanghai for at least one year [7]. Group 3: Housing Fund and Loan Policies - The new regulations increase the maximum loan amount for housing provident funds, with first-time buyers eligible for higher loan limits based on property type and family size [8][9]. - The policy supports the withdrawal of housing provident funds for down payments, allowing individuals to extract funds without affecting their loan limits [9]. - The interest rate pricing mechanism for commercial housing loans will be optimized, removing distinctions between first and second home loans to ease the financial burden on residents [10].