据中指研究院统计，今年以来全国已有超30个市(区)出台提取住房公积金支付购房首付款的新政，其 中，北京、上海、广州等一线城市都已明确可以申请公积金用于支付购房首付款。 国庆中秋长假刚刚结束，多城继续优化楼市政策，为房地产市场注入新活力。在业内人士看来，进入四 季度各地将推动已出台政策加快落实，同时增量政策也存在一定预期。 10月9日，南京住房公积金管理中心发布通知，提高住房公积金贷款最高额度，单缴存人的住房公积金 贷款最高额度由50万元/人提高至80万元/人，政策有效期至2027年12月31日。南京住房公积金管理中心 认为，近年来南京单人购房数量显著增加。综合考虑同类城市住房公积金贷款额度水平、住房市场现 状、重点保障人群、现有资金供给、贷款风险防控等各方面因素，此次贷款额度调整以单人购房为重 点，着重加大了对新市民、青年人等群体的支持力度。 记者梳理发现，多个城市都在近期调整住房公积金政策。由于恰逢楼市传统的"金九银十"，这些政策也 在一定程度上提升了市场热度。就在9月28日，广州发布《关于优化住房公积金提取政策的通知》，指 出缴存人及其配偶购买广州市行政区域内现售商品住房、存量商品住房、配售型保障性住房或 ...

（文章来源：新华财经） 新华财经北京10月1日电 10月1日，合肥市住房公积金管理委员会办公室发布关于进一步优化住房公积 金贷款政策的通知。通知指出，为进一步优化住房公积金贷款政策，更好满足居民刚性住房需求和多样 化改善性住房需求，现就有关住房公积金贷款政策通知如下：一、优化首套房认定标准。借款人家庭在 全国范围首次住房公积金贷款已结清，且购房地无房，现申请住房公积金贷款时执行首套房政策。二、 优化组合贷款政策。申请组合贷款时，新建商品房公积金贷款金额不得超过房屋总价的80%，保障性住 房公积金贷款金额不得超过房屋总价的85%，二手房公积金贷款不得超过其房龄对应的最高贷款额度。 通知自发布之日起施行，有效期5年。 ...

《通知》围绕"住有所居、住有宜居"的目标，推出两大新举措，支持缴存人多样化住房消费需求，减轻 购房资金压力，推动老旧小区改造。 9月28日，广州住房公积金管理中心、市规划和自然资源局、市住房和城乡建设局、市市场监督管理局 联合发布《关于优化住房公积金提取政策的通知》（下称《通知》），进一步释放住房公积金政策红 利，新政自发布当日起实施。 《通知》扩大了住房公积金提取范围，明确提取住房公积金支付购房首付款的房源类型，从"预售商品 住房"扩大至"现售商品住房、存量商品住房、配售型保障性住房及共有产权住房"，不再限制首套或二 套住房，实现购房情形全覆盖，更多缴存人可享受政策利好，多维度助力住房消费。 《通知》在原来"既有住宅增设电梯"可提取住房公积金的基础上，将"老旧电梯更新改造"也纳入了提取 范围。房屋所有权人及其配偶在工程竣工验收后，可凭相关材料提取住房公积金，用于支付家庭分摊的 更新改造费用，提取总额不超过实际支付金额。这一政策更好满足了居民改善性住房需求，助力老旧小 区设施更新，保障乘梯安全。 缴存人提取公积金支付首付款后，不影响申请住房公积金贷款，已提取金额仍可计入可贷额度计算，更 大程度减轻购房家庭负担 ...

9月28日，广州住房公积金管理中心等部门联合发布《关于优化住房公积金提取政策的通知》。通知从 两个方面优化当地住房公积金提取政策，扩大了原有提取使用的范围。 通知提到，其一，住房公积金缴存人及其配偶购买广州市行政区域内现售商品住房、存量商品住房、配 售型保障性住房或者共有产权住房，可申请提取住房公积金用于支付购房首付款。 其二，缴存人及其配偶在广州市行政区域内为其拥有所有权的住宅实施老旧电梯更新改造，可申请提取 住房公积金用于支付家庭分摊费用。 【纠错】 【责任编辑:谷玥】 此前，广州仅明确购房人及其配偶在广州市行政区域内购买新建商品住房可将住房公积金用于支付购房 首付款。（记者钟焯） ...

答：通过商品房买卖合同或者不动产权属证书上的标识判定。 9月26日，东莞市住房公积金管理中心发布关于《关于进一步优化房地产政策措施的通知》公积金调整 部分的政策解读称，为大力支持刚性和改善性住房需求，有效发挥住房公积金支持作用，切实减轻缴存 人贷款压力，经市人民政府同意，东莞市住房公积金贷款部分政策进一步优化。 其中，首套房、二套房最高贷款额度统一提高至150万元。对缴存人购买配售型保障性住房的，住房公 积金最高贷款额度上浮50%，不超过最高贷款额度上限。供收比仅核定公积金贷款部分。支持缴存人提 取住房公积金支付住房贷款首付款。 | | 调整前 | 调整后 | | --- | --- | --- | | 首套 | 120万元 | 150万元 | | 二套 | 80万元 | 150万元 | 值得一提的是，政策解读还提到，当前东莞支持缴存人提取住房公积金支付住房贷款首付款已适用于预 售新建商品住房。新政出台后，扩展到现售新建商品住房和存量商品住房（即"二手房"）。具体操作指 引由市住房公积金管理中心另行制定，将于2025年10月发布实施。 热点问题解答： （一）购买新建商品住房申请公积金贷款，如何认定住房套数？是 ...

Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market to better meet residents' housing needs and promote stable development, effective from August 26, 2025 [1] Group 1: Housing Purchase Policy Adjustments - The housing purchase limit will be reduced, allowing eligible residents to buy an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring road for local residents [2] - Non-local residents can also purchase unlimited homes outside the outer ring road if they have paid social insurance or income tax in Shanghai for over one year, and are limited to one home within the inner ring road if they have paid for over three years [2] Group 2: Housing Provident Fund Policy Optimization - The maximum loan amount for housing provident fund loans will be increased by 15% for those purchasing new green buildings, with the first loan limit raised from 1.6 million to 1.84 million yuan, and for families with multiple children, it will increase from 1.92 million to 2.16 million yuan [3] - The second loan limit will also be increased from 1.3 million to 1.495 million yuan [3] - Residents can withdraw their provident fund to pay for the down payment of new homes, and this withdrawal will not affect their loan limit [3] Group 3: Personal Housing Loan Interest Rate Mechanism - The interest rate pricing mechanism for commercial personal housing loans will be optimized, eliminating the distinction between first and second homes, allowing banks to set rates based on market conditions and individual risk factors [4] Group 4: Property Tax Policy Adjustments - Non-local residents purchasing their first home will be exempt from property tax, while for second homes and beyond, a tax exemption of 60 square meters per person will be applied after calculating the total housing area [6] - This property tax policy will take effect from January 1, 2025 [6]

Core Viewpoint - The recent notification from Shanghai's housing authorities aims to optimize and adjust real estate policies, including easing housing purchase restrictions and enhancing housing provident fund loan limits, effective from August 26, 2025 [1][2][3]. Group 1: Housing Purchase Policies - Eligible residents can purchase an unlimited number of homes outside the outer ring road, with specific conditions for both local and non-local residents [1][3]. - Local residents and single adults can buy unlimited homes outside the outer ring, while there is a limit of two homes within the inner ring [1]. - Non-local residents can buy unlimited homes outside the outer ring if they have paid social insurance or income tax in Shanghai for at least one year, and are limited to one home within the inner ring if they have paid for three years [1]. Group 2: Housing Provident Fund Policies - The maximum loan limit for first-time homebuyers has increased from 1.6 million yuan to 1.84 million yuan, with additional increases for families with multiple children [2]. - The second home loan limit has been raised from 1.3 million yuan to 1.495 million yuan [2]. - The policy allows for the withdrawal of housing provident fund to pay for the down payment of newly built homes, and does not affect the calculation of loan limits [2]. Group 3: Tax Policies - Non-local residents purchasing their first home will be exempt from property tax, while the second and subsequent homes will have a tax exemption based on a per capita area of 60 square meters [3]. - This tax policy will take effect from January 1, 2025, benefiting eligible buyers [3]. Group 4: Market Impact - The policy changes are expected to stimulate housing demand by broadening purchase eligibility and reducing costs associated with home buying [3]. - The integration of green building initiatives with housing provident fund loans is aimed at promoting better housing products in the market [3].

Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market, including reducing housing purchase restrictions, enhancing housing provident fund policies, adjusting personal housing loan interest rates, and improving property tax regulations. These measures are set to take effect on August 26, 2025, and are designed to stimulate housing demand and support market stability. Group 1: Housing Purchase Restrictions - The new policy allows eligible residents to purchase an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring for local residents. Non-local residents can also buy without limits outside the outer ring if they have paid social insurance or income tax for at least one year [1][2]. Group 2: Housing Provident Fund Policy - The policy increases the maximum loan amount for housing provident funds, with first-time buyers eligible for up to 1.84 million yuan, and families with multiple children eligible for up to 2.16 million yuan. The second home loan limit is raised to 1.495 million yuan. Additionally, the policy allows for the withdrawal of provident funds for down payments without affecting loan limits [3]. Group 3: Personal Housing Loan Interest Rates - The new regulations eliminate the distinction between first and second home loan interest rates, allowing banks to set rates based on market conditions and individual borrower profiles. This change is expected to reduce monthly payments for second home buyers significantly [4][6]. Group 4: Property Tax Policy - The policy introduces a temporary exemption from property tax for non-local residents purchasing their first home, while providing a tax deduction of 60 square meters for second homes. This aims to lower the holding costs for buyers and encourage market participation [5][7]. Group 5: Market Impact and Expectations - Analysts suggest that these comprehensive measures will alleviate market anxiety and stimulate demand across various buyer segments. The policy is expected to enhance the purchasing power of buyers, particularly in the outer ring areas, and may lead to a reduction in inventory levels [5][8]. The timing of the policy rollout is seen as strategic, coinciding with the traditional peak sales season in September and October, which could further boost market activity [8].

Core Viewpoint - Shanghai has announced new real estate policies aimed at optimizing housing purchase conditions for residents, including reducing housing purchase restrictions and enhancing housing fund policies, effective from August 26, 2025 [1][2][8]. Group 1: Housing Purchase Restrictions - The new policy allows eligible resident families to purchase an unlimited number of homes outside the outer ring road, including both new and second-hand properties [3][9]. - Shanghai residents and single adults can buy unlimited homes outside the outer ring, while they are limited to two homes within the inner ring [3][9]. - Non-Shanghai residents can purchase unlimited homes outside the outer ring if they have paid social insurance or income tax in Shanghai for at least one year; those with three years of contributions can buy one home within the inner ring [3][9]. Group 2: Housing Fund Policy - The policy increases the maximum loan amount for housing funds, with the first home loan limit raised from 1.6 million to 1.84 million yuan, and for families with multiple children, it can go up to 2.16 million yuan [4][11]. - It allows residents to withdraw housing funds to pay for the down payment of new homes, and this withdrawal does not affect the calculation of their loan limits [11][12]. Group 3: Personal Housing Loan Interest Rates - The policy optimizes the pricing mechanism for personal housing loans, eliminating the distinction between first and second home loans, allowing banks to set rates based on market conditions and individual risk profiles [6][12]. Group 4: Property Tax Policy - The policy states that eligible non-Shanghai resident families will be exempt from property tax on their first home purchase, while for second and subsequent homes, a tax exemption of 60 square meters per person will apply [5][15]. - This property tax exemption will take effect from January 1, 2025, for qualifying buyers [7][15].

Core Viewpoint - Shanghai has announced new real estate policy measures aimed at optimizing housing purchase conditions and reducing costs for homebuyers, including adjustments to purchase limits and housing fund policies [1][2][3] Group 1: Housing Purchase Policy Adjustments - The new policy allows eligible resident families to purchase an unlimited number of homes outside the outer ring road, while single adults will follow the same purchasing limits as resident families [1][2] - Non-local resident families and single adults who have paid social insurance or income tax in Shanghai for over one year can also buy an unlimited number of homes outside the outer ring road, with limits on purchases within the inner ring based on their duration of residency [2] Group 2: Housing Fund Policy Enhancements - The policy increases the maximum loan amount for housing funds, with the first loan limit raised from 1.6 million to 1.84 million yuan, and for families with multiple children, it can go up to 2.16 million yuan [3] - Homebuyers can now withdraw housing funds to pay for down payments on new homes, and this withdrawal will not affect their loan limits [3] - For eligible non-local families purchasing their first home, property tax will be temporarily exempted, with specific exemptions for subsequent purchases based on total housing area [3]