上海易居房地产研究院副院长严跃进分析指出，"此次7项政策，围绕多项住房需求展开。其既涉及非沪 籍和沪籍家庭，也包括从事城市基础服务的相关人员、多孩家庭等，具有惠及面广、精准施策的特点。 综合来看，其体现了对各类住房需求的进一步支持，尤其包括职住平衡、宜居安居、刚需改善等需求维 度。" 他还强调，"在促进各子市场交易活跃的同时，'新七条'也将促进各市场之间的循环健康发展，尤其是 带动置换链条的顺畅。举例来说，相比此前市区购房需3年社保的要求，当前非沪籍家庭仅需满足1年即 可购房，即入市节奏有望加快。其若认购一套二手房，则将带动房东的房源挂牌出售和置换，并带动包 括新房市场的去库存。" 2月25日，上海市五部门联合发布楼市新政，进一步调减住房限购政策、优化住房公积金贷款政策并完 善个人住房房产税政策，自2月26日起施行。 广东省住房政策研究中心首席研究员李宇嘉分析认为，"上海在新春伊始就出台新措施，在降成本、降 门槛、提预期方面的信号非常明显，政策针对性也比较强，对于3月份的节后小阳春，具有较大的带动 作用。" "在政策加持、开发商促销，以及季节性旺季等三重利好下，3月份会形成一个小高峰。4-5月份，关键 要看3 ...

（原标题：楼市大消息！刚刚，上海重磅发布） 来源：上海市住建委网站 上海发布楼市"沪七条" 上海市住建委网站2月25日发布《关于进一步优化调整上海市房地产政策的通知》。 以下为全文： 为更好满足居民刚性和改善性住房需求，促进房地产市场平稳健康发展，2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、市公积金管理中心等五部门联合印发《关于进一步优 化调整本市房地产政策的通知》（以下简称《通知》），自2026年2月26日起施行。 一、进一步调减住房限购政策 服务宜居安居，促进职住平衡，聚焦满足居民合理住房需求，《通知》明确进一步调减住房限购政策。 一是缩短非沪籍居民购买外环内住房所需缴纳社保或个税年限。对非本市户籍居民家庭或成年单身人士 购买外环内住房的，购房所需缴纳社会保险或个人所得税的年限，调整为购房之日前连续缴纳满1年及 以上。 二是符合条件非沪籍居民可在外环内增购1套住房。对在本市缴纳社会保险或个人所得税满3年及以上的 非本市户籍居民家庭或成年单身人士，在执行现有住房限购政策基础上，可在外环内增购1套住房。 三是符合条件的持《上海市居住证》群体可在本市购买住房。对持《上海市居住证》满 ...

《通知》明确，进一步调减住房限购政策。按照规定，非沪籍居民家庭或成年单身人士，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，在外环内限购1套 住房；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2套住房。持《上海市居住证》满 5年及以上的，在全市范围内限购1套住房。 新京报贝壳财经讯 2月25日，据"上海住房城乡建设管理"官方公众号消息，市住房城乡建设管理委、市 房屋管理局、市财政局、市税务局、市公积金管理中心等五部门联合印发《关于进一步优化调整本市房 地产政策的通知》（简称《通知》），涉及进一步调减住房限购政策、优化住房公积金贷款政策、完善 个人住房房产税政策三个方面的多条措施。《通知》自2026年2月26日起施行。 校对 杨利 住房公积金贷款方面，《通知》提出，一是适度提高住房公积金最高贷款额度，将缴存人家庭购买首套 住房的公积金贷款最高额度从160万元提高至240万元，叠加多子女家庭和购买绿色建筑最高贷款额度上 浮政策（最高上浮35%），本市公积金家庭贷款最高额度可达到324万元。二是优化贷款套数认定，对 于已使用过公积金贷款的本市缴存人家庭，在本市 ...

其中指出缩短非沪籍居民购买外环内住房所需缴纳社保或个税年限。对非本市户籍居民家庭或成年单身 人士购买外环内住房的，购房所需缴纳社会保险或个人所得税的年限，调整为购房之日前连续缴纳满1 年及以上。符合条件非沪籍居民可在外环内增购1套住房。对在本市缴纳社会保险或个人所得税满3年及 以上的非本市户籍居民家庭或成年单身人士，在执行现有住房限购政策基础上，可在外环内增购1套住 房。 以下为通知原文： 关于进一步优化调整本市房地产政策的通知 为更好满足居民刚性和改善性住房需求，促进房地产市场平稳健康发展，2月25日，市住房城乡建设管 理委、市房屋管理局、市财政局、市税务局、市公积金管理中心等五部门联合印发《关于进一步优化调 整本市房地产政策的通知》（以下简称《通知》），自2026年2月26日起施行。 一、进一步调减住房限购政策 服务宜居安居，促进职住平衡，聚焦满足居民合理住房需求，《通知》明确进一步调减住房限购政策。 2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、市公积金管理中心等五 部门联合印发《关于进一步优化调整本市房地产政策的通知》，自2026年2月26日起施行。 一是缩短非沪籍居民购买外 ...

Core Viewpoint - The government of Shenyang is optimizing five housing provident fund loan policies starting from January 2026 to better support rigid and improvement housing demands, in line with the central economic work conference spirit [1] Group 1: Policy Extensions - The minimum down payment ratio policy for housing provident fund loans, set at 15%, will be extended until December 31, 2026 [1] - The policy for recognizing the number of housing units for housing provident fund loans, applicable to those who have used the fund twice or more, will also be extended until December 31, 2026 [1] Group 2: Loan Flexibility - The repayment period limit for original commercial loans will be removed for flexible employment individuals, out-of-town contributors, and active military personnel applying for "commercial to public" loans [1] - The loan-to-value ratio for "commercial to public" loans will increase from 60% to 80% of the property price [1] Group 3: Support for New Citizens and Youth - The housing loan limit for new citizens and youth will be increased to 1.3 times the previous limit, expanding the policy's applicability from newly built commercial housing to include both newly built commercial housing and second-hand self-occupied housing [1]

Core Viewpoint - The city of Shenyang is optimizing its housing provident fund loan policies, effective from January 2026, to enhance accessibility for various groups, including new citizens and young people [1] Group 1: Policy Extensions - The minimum down payment ratio for housing provident fund loans, set at 15%, will be extended until December 31, 2026 [1] - The policy allowing re-loans for those who have used housing provident fund loans two or more times will also be extended until December 31, 2026 [1] Group 2: Loan Flexibility - The restriction on the repayment period of original commercial loans for flexible employment individuals, cross-region contributors, and active military personnel applying for "commercial to public" loans will be removed [1] - The loan-to-value ratio for "commercial to public" loans will increase from 60% to 80% of the property price [1] Group 3: Support for Specific Demographics - The loan limit for housing provident fund loans for new citizens and young people will be increased to 1.3 times the previous limit, expanding eligibility from new commercial housing to include both new commercial housing and second-hand self-occupied housing [1]

Core Viewpoint - The city of Shenyang is set to optimize five housing provident fund loan policies starting January 2026 to better support rigid and improved housing demands, as approved by the Shenyang Housing Provident Fund Management Committee [1] Group 1: Policy Changes - The minimum down payment ratio policy will be extended until December 31, 2026, maintaining a minimum down payment ratio of 15% for housing provident fund loans [1] - The policy regarding the recognition of housing loan counts will also be extended until December 31, 2026, allowing individuals who have used housing provident fund loans twice or more to apply for new loans after settling previous ones [1] - The limit for converting commercial loans to provident fund loans will be increased from 60% to 80% of the housing price, theoretically increasing the loan amount by 20% [2] - The eligibility for new citizens and young people to access housing loans will be expanded, increasing the loan limit to 1.3 times the previous amount, now applicable to both new and second-hand self-occupied housing [2] Group 2: Impact on Borrowers - The increase in the "commercial to public" loan limit is expected to significantly reduce the repayment burden for borrowers with substantial remaining commercial loans, enhancing the benefits of low-interest provident fund loans [2] - The adjustments aim to better match the actual housing needs of new citizens and young people, thereby reducing their financial pressure when purchasing homes and promoting stable and healthy development in the real estate market [2] - The Shenyang Housing Provident Fund Management Center has also revised regulations for flexible employment individuals, streamlining account opening requirements and adjusting monthly payment amounts [3]

Core Viewpoint - Hefei City Housing Provident Fund Management Committee Office has announced a notification to further optimize housing provident fund loan policies to better meet residents' rigid housing needs and diverse improvement housing demands [1] Group 1: Policy Optimization - The recognition standard for first-time homebuyers has been optimized, allowing borrowers whose families have cleared their first housing provident fund loan nationwide and have no property in the purchase area to apply for first-time homebuyer policies [1] - The combined loan policy has been optimized, stipulating that the housing provident fund loan amount for new commercial housing cannot exceed 80% of the total housing price, while the loan amount for affordable housing cannot exceed 85% of the total housing price. For second-hand housing, the loan amount is limited to the maximum loan amount corresponding to the age of the house [1] - The notification will take effect from the date of publication and will be valid for five years [1]

Core Viewpoint - The Tai'an Housing Provident Fund Center announced an optimization of housing provident fund loan policies, effective from June 20, 2025, which includes various measures to support families, especially those with multiple children and high-level talents, with a maximum loan amount reaching 1.6 million yuan [1]. Group 1: Loan Amount Adjustments - The maximum loan amount for families with multiple children can reach 1.1 million yuan if both spouses have continuously contributed to the housing provident fund [4]. - For high-level talents holding specific talent cards, the maximum loan amount can be 1.45 million yuan for couples and 1.1 million yuan for single applicants [4]. - The overall maximum loan amount, considering various factors such as high-quality housing and multiple children, can reach 1.6 million yuan [4]. Group 2: Loan Calculation and Flexibility - Families applying for housing provident fund loans can have their loan amount calculated at a minimum of 300,000 yuan if their calculated amount based on the provident fund balance is below this threshold [4]. - The recognition of the number of housing units owned by the borrower has been made more flexible, with different criteria for urban and rural areas [3][5]. - The previous limit that the total of the provident fund loan and outstanding commercial loans could not exceed 1.2 million yuan has been removed, allowing for a more comprehensive assessment of the borrower's repayment capacity [3][5]. Group 3: Commercial Loan Conversion - A new "commercial loan to combined loan" service has been introduced, allowing borrowers to convert part of their existing commercial housing loans into housing provident fund loans, thereby reducing monthly repayment pressure [6]. - This conversion must be processed at the same branch of the bank that manages the original commercial loan and must meet specific conditions [6].