“沪六条”首周！实探上海楼市：优质新盘余量告急，二手房成交“淡季不淡”

Core Viewpoint - The implementation of the "Six Policies" in Shanghai has led to a significant increase in buyer interest and market activity in both new and second-hand housing sectors, with expectations for a more stable pricing environment and increased transaction volumes during the traditional peak season of "Golden September and Silver October" [1][12][14]. Group 1: New Housing Market - Following the introduction of the "Six Policies," there has been a notable increase in visitor numbers and sales at new housing projects, with some projects reporting a doubling of weekend viewings [5][9]. - A specific new housing project has seen its sales approach 90% completion, attributed to the removal of purchase restrictions and the ability to use housing provident funds for down payments [6][11]. - The overall visitor volume for key projects increased by over 40%, and the number of contracts signed surged by more than 120% compared to the period before the policy announcement [9][10]. Group 2: Second-Hand Housing Market - The second-hand housing market has also experienced a significant uptick, with daily registrations reaching a three-month high of 1,103 units on August 30, and total transactions for August exceeding 19,900 units, marking a year-on-year increase of approximately 12% [11][12]. - Despite the increase in viewing and consultation volumes, the second-hand market remains competitive, with buyers having more negotiation power due to a surplus of listings [11][12]. - The "Six Policies" have effectively boosted market confidence, leading to increased activity even during what is typically a slower season [11][12]. Group 3: Policy Impact on Financing - The adjustment of the commercial housing loan interest rate mechanism, which no longer differentiates between first and second homes, is expected to alleviate financial burdens for buyers and stimulate demand for improved housing options [13][14]. - Current interest rates for first and second homes in Shanghai are 3.05% and 3.09%, respectively, with the policy change potentially reducing monthly mortgage costs by over 200 yuan for a loan of 1 million yuan [13][14]. - The overall sentiment in the market is optimistic, with expectations for increased activity and stable prices as the market enters the peak season [12][14].