刚刚，上海发布楼市“沪七条”

Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market to better meet residents' housing needs, effective from February 26, 2026 [1] Group 1: Housing Purchase Policy Adjustments - The housing purchase restrictions for non-local residents will be further relaxed, 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 will increase from 1.6 million yuan to 2.4 million yuan, with potential increases for families with multiple children and those purchasing green buildings, reaching up to 3.24 million yuan [3] - The criteria for recognizing loan eligibility will be 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 multi-child families will be expanded to include second home purchases, with a maximum loan amount increase of 20% on top of the standard limits [3] Group 3: Personal Housing Property Tax Policy Improvement - Starting January 1, 2026, adult children purchasing their first home will be exempt from personal housing property tax if the home is the only one owned by their family [4] - Families can reapply for tax status adjustments if their housing situation changes, allowing for refunds on overpaid taxes after the new assessment [4]