重磅！上海调减住房限购政策

Core Viewpoint - The article discusses the recent adjustments to Shanghai's real estate policies aimed at optimizing housing purchase conditions and supporting homebuyers, particularly focusing on reducing costs and expanding eligibility for various demographics [2][4]. Group 1: Housing Purchase Policies - The new policy allows eligible resident families to purchase an unlimited number of homes outside the outer ring road, while single adults are treated similarly to resident families regarding housing purchase limits [2][3]. - Non-local resident families and single adults can also buy unlimited homes outside the outer ring road if they have paid social insurance or income tax in Shanghai for at least one year [3]. Group 2: Housing Fund Policy Adjustments - The policy increases the maximum loan amount for housing provident fund loans, with first-time buyers now eligible for up to 1.84 million yuan, an increase from 1.6 million yuan, and families with multiple children can receive up to 2.16 million yuan [4]. - The policy supports the withdrawal of housing provident funds for down payments on new homes, allowing buyers to use their and their spouse's funds [4]. - It also allows for simultaneous withdrawal and loan application from the housing provident fund, ensuring that the withdrawal does not affect the loan amount calculation [4]. Group 3: Tax Regulations - The policy states that eligible non-local resident families will be exempt from property tax on their first home purchase, while the second and subsequent homes will have a tax exemption based on a per capita area deduction of 60 square meters [4].