上海发布楼市新政

Core Viewpoint - The Shanghai government has announced a series of adjustments to its real estate policies aimed at optimizing housing accessibility and promoting a stable and healthy real estate market, effective from February 26, 2026 [3][4]. Group 1: Housing Purchase Policy Adjustments - The required duration for non-local residents to pay social insurance or personal income tax before purchasing housing in the outer ring has been reduced to a minimum of 1 year [4][10]. - Eligible non-local residents can purchase an additional housing unit in the outer ring if they have paid social insurance or personal income tax for 3 years or more [4][10]. - Holders of the Shanghai Residence Permit for 5 years or more can purchase 1 housing unit in the city without needing to provide proof of social insurance or personal income tax payments [4][10]. 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 [6][11]. - The criteria for recognizing loan eligibility have been optimized, allowing families with no housing or only one housing unit and who have cleared previous provident fund loans to apply for new loans [6][11]. - The support for multi-child families has been expanded to include second home purchases, with a maximum loan amount increase of 20% on top of the standard limits [6][11]. Group 3: Personal Housing Property Tax Policy Improvement - Starting January 1, 2026, there will be a temporary exemption from personal housing property tax for families of local residents when their adult children purchase a home that serves as the only housing for the family [8][12].