上海发布楼市“沪七条”，进一步调减住房限购政策

Core Viewpoint - The article discusses the new policies implemented by various government departments in Shanghai to optimize and adjust the real estate market, effective from February 26, 2026, aimed at meeting residents' housing needs and promoting a stable and healthy real estate market [1] Group 1: Housing Purchase Policy Adjustments - The notification includes a reduction in housing purchase restrictions for non-local residents, allowing them to buy homes in the outer ring of the city with a minimum of one year of social insurance or personal income tax payments [2] - Non-local residents who have paid social insurance or personal income tax for three years or more can purchase an additional home in the outer ring [2] - Holders of the Shanghai Residence Permit for five years or more can buy one home in the city without needing to provide proof of social insurance or personal income tax payments [2] Group 2: Housing Provident Fund Loan Policy Optimization - The maximum loan amount for first-time homebuyers using the housing provident fund has been increased from 1.6 million yuan to 2.4 million yuan, with potential increases for families with multiple children and those purchasing green buildings, allowing for a maximum of 3.24 million yuan [3] - The criteria for recognizing loan eligibility have been optimized, allowing families with one or no homes and who have cleared previous provident fund loans to apply for new loans [3] - The support for families with multiple children has been expanded to include second home purchases, with a 20% increase in the maximum loan amount for such families [3] Group 3: Personal Housing Property Tax Policy Improvement - Starting January 1, 2026, adult children purchasing homes that are their family's only property will be exempt from personal housing property tax if they previously co-owned a home with their parents or grandparents [4] - Families experiencing changes in housing circumstances can reapply for tax status adjustments with the tax authorities, allowing for refunds of overpaid taxes after January 1, 2026 [4]