央行上海总部宣布

Core Viewpoint - The People's Bank of China announced adjustments to the pricing mechanism for commercial personal housing loans in Shanghai, eliminating the distinction between first and second homes, which is expected to reduce mortgage burdens for residents and stimulate housing demand [1][2]. Group 1: Loan Rate Adjustments - The new loan rate mechanism sets the commercial personal housing loan rate uniformly at LPR-45 basis points for all types of homes, down from LPR-25 basis points for second homes in certain districts and LPR-5 basis points for core urban areas [1]. - This change is anticipated to alleviate the financial pressure on borrowers, particularly benefiting over 95% of first-time homebuyers who rely on bank loans [1]. Group 2: Housing Policy Changes - The Shanghai government has relaxed housing purchase restrictions, allowing eligible families to buy an unlimited number of homes outside the outer ring of the city [4]. - The new policy applies to both Shanghai residents and non-residents who have paid social insurance or income tax in Shanghai for over a year [4]. Group 3: Housing Fund Policy Optimization - The housing provident fund policy has been optimized to increase loan limits and allow withdrawals for down payments, facilitating easier access to housing finance [5]. - Non-residents purchasing their first home in Shanghai will be exempt from property tax, while those buying second homes will receive a tax deduction based on a per capita exemption of 60 square meters [5].