上海楼市新政：进一步放宽住房限购，公积金最高可贷324万元

Core Viewpoint - The Shanghai government has announced a series of measures to optimize and adjust real estate policies, including reducing housing purchase restrictions, improving housing provident fund loan policies, and refining personal housing property tax policies, effective from February 26, 2026 [1][2]. Group 1: Housing Purchase Restrictions - The new policy reduces housing purchase restrictions for non-local residents and single adults, allowing them to buy homes based on their social insurance or income tax payment history in Shanghai [1]. - Non-local residents who have paid social insurance or income tax for at least one year can purchase unlimited homes outside the outer ring and one home inside the outer ring; those with three years of payment can buy two homes inside the outer ring [1]. - Holders of the Shanghai residence permit for five years or more can purchase one home anywhere in the city [1]. Group 2: Housing Provident Fund Loan Policies - 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 [2]. - The policy optimizes the recognition of loan counts, allowing families who have previously used provident fund loans and have either no housing or only one housing unit to apply for loans again when purchasing a new home [2]. - Support for multi-child families has been expanded, with a 20% increase in the maximum loan amount for purchasing a second home [2]. Group 3: Personal Housing Property Tax Policies - Starting January 1, 2026, adult children of local residents purchasing a home as their only property will be temporarily exempt from personal housing property tax [2].