上海：符合条件居民家庭和成年单身人士，在外环外购买住房不限套数

Core Viewpoint - The article discusses the recent adjustments to real estate policies in Shanghai aimed at meeting residents' housing needs and promoting a stable and healthy real estate market. The measures include reducing housing purchase restrictions, optimizing housing provident fund policies, improving personal housing credit, and refining personal housing property tax policies [1][2]. Group 1: Housing Purchase Restrictions - The notification specifies a reduction in housing purchase restrictions to better meet residents' improvement needs. Families meeting the purchase criteria can buy an unlimited number of homes outside the outer ring road [3]. - Adult singles are subject to the same housing purchase restrictions as families. They can buy unlimited homes outside the outer ring road and are limited to two homes within the inner ring road [4]. Group 2: Housing Provident Fund Policy - The notification enhances the housing provident fund policy by increasing the maximum loan amount for purchasing new green buildings by 15%. The maximum loan for first-time buyers rises from 1.6 million to 1.84 million yuan, and for families with multiple children, it increases from 1.92 million to 2.16 million yuan [6]. - It allows the withdrawal of housing provident funds to pay for the down payment on new homes, enabling buyers to use their and their spouse's provident funds for this purpose [7]. - The policy supports the "withdraw and loan" approach, meaning that withdrawing funds for the down payment does not affect the calculation of the housing provident fund loan limit [8]. Group 3: Personal Housing Credit Policy - The notification optimizes personal housing credit policies to alleviate residents' mortgage interest burdens. Banks will no longer differentiate between first and second homes in their interest rate pricing, allowing for a more reasonable determination of loan interest rates [10]. Group 4: Personal Housing Property Tax Policy - To align with the optimized housing purchase restrictions, the notification states that non-local families purchasing their first home will be exempt from property tax. For second homes and beyond, a deduction of 60 square meters per person will be applied after aggregating the total housing area [13]. - This property tax policy will take effect from January 1, 2025, for eligible buyers [14].