《通知》自2025年8月26日起施行。 符合条件居民家庭在外环外购房不限套 《通知》明确，进一步调减住房限购政策。一是符合条件居民家庭在外环外购房不限套数。对符合本市住 房购买条件的居民家庭，包括本市户籍居民家庭、在本市连续缴纳社会保险或个人所得税满1年及以上的 非本市户籍居民家庭，在外环外购买住房不限套数，包括新建商品住房和二手住房。二是成年单身人士按 照居民家庭执行住房限购政策。 按照上述规定，沪籍居民家庭和沪籍成年单身人士，在外环外购买住房不限套数；在外环内限购2套住 房。非沪籍居民家庭和非沪籍成年单身人士，自购房之日前在本市连续缴纳社会保险或个人所得税满1年 及以上的，在外环外购买住房不限套数；自购房之日前在本市连续缴纳社会保险或个人所得税满3年及以 上的，在外环内限购1套住房。 提高个人住房公积金贷款额度 支持提取住房公积金支付购房首付款 加大公积金支持住房消费力度，《通知》规定优化住房公积金政策。 【导读】上海市发布楼市新政，符合条件居民家庭在外环外购房不限套数 8月25日，上海市住房城乡建设管理委、市房屋管理局、市财政局、市税务局、人民银行上海市分行、市 公积金管理中心等六部门联合印发《关于优化 ...

Core Viewpoint - The article discusses the recent adjustments to Shanghai's real estate policies aimed at meeting residents' housing needs and promoting a stable and healthy real estate market, effective from August 26, 2025 [1]. Group 1: Housing Purchase Policy Adjustments - The new policy reduces housing purchase restrictions, allowing eligible families to buy an unlimited number of homes outside the outer ring road [3]. - Non-local residents who have paid social insurance or income tax in Shanghai for over one year can also purchase unlimited homes outside the outer ring road, with specific limits for purchases within the inner ring road [3][4]. Group 2: Housing Fund Policy Optimization - The policy increases the maximum loan amount for housing provident fund loans, with first-time buyers now eligible for up to 1.84 million yuan, and families with multiple children can receive up to 2.16 million yuan [3]. - The policy allows for the withdrawal of housing provident funds to pay for the down payment on new homes, and does not affect the calculation of loan limits [3]. Group 3: Personal Housing Loan Interest Rate Mechanism - The policy optimizes the pricing mechanism for personal housing loans, removing the distinction between first and second home loans, allowing banks to set interest rates based on market conditions and individual risk profiles [4].