上海出台楼市新政 进一步调减住房限购政策 公积金贷款额度提高 房产税暂免征扩围

Core Viewpoint - The Shanghai government has announced a new policy to optimize and adjust real estate regulations, including reducing housing purchase restrictions, improving housing provident fund loan policies, and refining personal housing property tax policies, effective from February 26, 2026 [1] Group 1: Housing Purchase Policy Adjustments - The policy reduces the required duration for non-local residents to pay social insurance or personal income tax to one year for purchasing homes within the outer ring [2] - Non-local residents who have paid social insurance or personal income tax for three years can purchase an additional home within the outer ring, while those with a Shanghai residence permit for five years can buy one home anywhere in the city [2][3] - This adjustment aims to meet the mid-to-high-end housing needs of non-local residents and includes provisions for those working in urban services who previously could not purchase homes due to lack of social insurance payments [3] Group 2: Housing Provident Fund Loan Policy - 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 [4] - The policy allows families who have previously used provident fund loans to apply for new loans if they have no housing or only one home in Shanghai and have settled their previous loans [4] - This change is expected to support more families in upgrading their housing and stimulate demand in the real estate market [4] Group 3: Personal Housing Property Tax Policy - Starting January 1, 2026, adult children of Shanghai residents will be exempt from personal housing property tax when purchasing their first home, provided it is their only home [5] - This adjustment aims to support housing upgrades for families and reflects a more favorable tax treatment for those in the process of changing homes [5] - The new policy is designed to balance market stability and public welfare, benefiting both first-time buyers and those looking to upgrade [5][6] Group 4: Overall Market Impact - The new policies are part of a broader strategy to stabilize the real estate market and promote healthy growth, with a focus on integrating various policy measures across different sectors [6] - The combination of these measures is expected to lower purchasing costs and stimulate housing demand, contributing to a balanced supply-demand relationship in the market [6]