深夜突发！深圳楼市限购调整，本周六起施行！

Core Viewpoint - Shenzhen's new real estate policy aims to optimize housing purchase regulations and improve housing affordability for residents and enterprises, following similar adjustments in Beijing and Shanghai [1][2]. Policy Adjustments - The policy includes adjustments to residential purchase regulations, allowing enterprises to buy housing for employee needs under specific conditions, such as a minimum of 1 year of establishment and a tax payment of 1 million RMB in certain districts [2]. - Personal housing loan policies are also optimized, with banks no longer differentiating between first and second home loans in interest rate pricing, allowing for more flexible loan terms [2]. Housing Fund Regulations - New proposals for the Shenzhen Housing Provident Fund include six new withdrawal scenarios to support employees in purchasing their first or second homes, including full withdrawal for the first home and 60% for the second home [3]. - The policy allows for the withdrawal of funds to cover housing taxes and extends the scope of loan repayment withdrawals to nationwide, facilitating easier access to funds for homebuyers [3]. Purchase Conditions - Residents eligible to purchase homes in specific districts can buy without limits, while non-residents face restrictions based on their tax and insurance payment history [4]. - Single adults are subject to the same purchase limits as families, reflecting a more inclusive approach to housing access [4]. Market Trends - In July, Shenzhen's real estate market showed a decline in new home sales while second-hand home transactions increased, indicating a shift in buyer preferences [6]. - By August, second-hand home transactions showed signs of recovery, with a reported increase in sales, although the market remains sensitive to pricing and policy changes [6][7]. Comparative Analysis - Compared to other first-tier cities, Shenzhen is adjusting its policies to align with broader trends of easing restrictions, as seen in Guangzhou's complete cancellation of purchase limits [7]. - The overall trend in major cities indicates a move towards targeted easing of restrictions to stimulate demand and alleviate inventory pressures, with Shenzhen's policies reflecting this strategic direction [7].