深圳进一步优化调整房地产政策措施

Core Viewpoint - The article discusses the recent adjustments to real estate policies in Shenzhen, aimed at optimizing housing purchase conditions for residents and enterprises, as well as personal housing loan policies [2]. Group 1: Residential Housing Purchase Policy Adjustments - Residents eligible to purchase commercial housing in specified districts (including local and certain non-local residents) can buy an unlimited number of properties in designated areas [3]. - Non-local residents without proof of continuous social insurance or income tax payments for at least one year are limited to purchasing two properties in specified districts [3]. - In certain areas like Yantian District and Dapeng New District, there will be no qualification review for purchasing commercial housing [3]. - Single adults will be subject to the same housing purchase restrictions as resident families [3]. Group 2: Enterprise Housing Purchase Policy Adjustments - Enterprises can purchase commercial housing within the city to address employee housing needs, with specific conditions for purchases in certain districts [4]. - In districts like Futian, Nanshan, and Bao'an (Xinan Street), enterprises must meet criteria including a minimum establishment period of one year, tax payments of at least 1 million RMB, and a minimum of 10 employees [4]. - In other areas, there will be no qualification review for enterprise purchases [4]. Group 3: Personal Housing Loan Policy Adjustments - Financial institutions will no longer differentiate between first and second home loans in terms of interest rate pricing, allowing for more flexible loan terms based on market conditions and individual risk profiles [5]. Implementation Date - The new policies will take effect on September 6, 2025 [6].