楼市“沪七条”出台！业内称精准赋能三大需求，上海望成一线城市企稳标杆

Core Viewpoint - The new housing policy "沪七条" in Shanghai aims to optimize and adjust the city's real estate policies, effective from February 26, 2026, to better meet the needs of various buyer groups and stimulate market demand [1] Group 1: Housing Purchase Policy Adjustments - The policy reduces the social insurance or personal income tax payment period required for non-local residents to purchase homes within the outer ring of Shanghai to a minimum of 1 year [2] - Eligible non-local residents can purchase an additional home within the outer ring if they have paid social insurance or personal income tax for at least 3 years [2] - Holders of the Shanghai residence permit for over 5 years can buy one home in the city without needing to provide proof of social insurance or tax payments [2] Group 2: Housing Fund Policy Optimization - The maximum loan amount for first-time homebuyers using the housing fund 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, reaching up to 3.24 million yuan [4] - The policy allows families who have previously used housing fund loans to apply for new loans if they have no homes or only one home in the city and have settled their previous loans [4] - 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 [4] Group 3: Market Impact and Demand Release - The optimization of housing fund policies is expected to enhance purchasing power and improve the liquidity of the second-hand housing market, thereby stimulating demand in both the new and second-hand housing markets [5] - The adjustment of the personal housing property tax policy will facilitate the improvement and replacement needs of local families, which is crucial for enhancing the liquidity of the second-hand housing market [6] - The new policies are designed to address the real demands of first-time buyers, upgrade needs of long-term residents, and replacement needs of local families, potentially making Shanghai a benchmark for market stabilization among first-tier cities [7]