上海发布！进一步调减住房限购政策

Core Viewpoint - The new policies issued by Shanghai's housing and urban-rural development authorities aim to optimize and adjust the city's real estate regulations, effective from February 26, 2026, with a focus on reducing housing purchase restrictions and enhancing housing fund policies [1][2][3]. Group 1: Housing Purchase Policy Adjustments - The notification reduces the duration for non-local residents to pay social insurance or individual income tax before purchasing housing in the outer ring of Shanghai to a minimum of 1 year [1]. - Eligible non-local residents can purchase an additional housing unit in the outer ring if they have paid social insurance or individual income tax for at least 3 years [1]. - Holders of the Shanghai residence permit for over 5 years can buy one housing unit in the city without needing to provide proof of social insurance or tax payments [1]. Group 2: Housing Fund Policy Enhancements - The maximum loan amount for first-time homebuyers using housing provident fund loans is 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 criteria for recognizing loan counts are optimized, allowing families with one or no homes and who have cleared previous housing fund loans to apply for new loans [2]. - The support for multi-child families is expanded to include second home purchases, with a 20% increase in the maximum loan amount for such cases [2]. Group 3: Property Tax Policy Improvements - From January 1, 2026, property tax exemptions will apply to adult children purchasing homes that are their only residence, provided they previously co-owned a home with parents or grandparents [2][3]. - Homebuyers can reapply for property tax information adjustments based on changes in housing situations, with refunds for overpaid taxes applicable from January 1, 2026 [3]. - The new policies are expected to positively impact the real estate market, promoting stable and healthy development [3].