上海市昨天出台楼市新政，涉及住房限购、住房公积金等多项政策调整。新政今天起施行。专家表示，此举有望进一步降低购房门槛，促进房地产市场平稳 健康发展。 按照最新的政策规定，上海本市户籍居民家庭、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。成年单身人士按照居民家庭执行住房限购政策。 上海易居房地产研究院副院长 严跃进：在当前中介市场，包括房企里面引起了比较大的关注。因为客观上来讲确实促进了市场需求的积极释放。 根据中指研究院监测数据，截至目前，今年上海新建商品住宅成交2.97万套，其中外环外成交超1.8万套，占比超60%。二手房方面，今年1到7月成交约12.7 万套，其中外环外成交约6.5万套，占比约51%，新房、二手房外环外均为成交主力。 业内人士表示，上海外环外产业布局多，首套刚需和改善型需求较为集中。此次政策调整将更好释放购买力，激活上海市外环外的交易热度，更好支持该区 域职工的购房和就业。 清华大学房地产研究中心主任 吴璟：此次对外环以外地区限购政策的放松，能够为促进和巩固房地产市场的止跌回稳提供很直接的支持，有效地响应了国 ...

上海市住房城乡建设管理委、上海市房屋管理局等六部门8月25日联合印发《关于优化调整本市房地产 政策措施的通知》。中国人民银行上海总部同日公告，对上海市商业性个人住房贷款利率定价机制进行 调整，上海市商业性个人住房贷款利率不再区分首套住房和二套住房。 为衔接优化住房限购政策，《通知》规定对符合条件的非本市户籍居民家庭购买的第一套住房暂免征收 房产税；购买的第二套及以上住房在合并计算家庭全部住房面积后，给予人均60平方米的免税面积扣 除。由于个人住房房产税按年征收，因此2025年1月1日起符合条件的购房者可享受该政策。 （文章来源：证券时报） 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 日前在上海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 日前在上海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。 《通知》还明确优化住房公积金政策。一是提高个人住房公积金贷款额度。对缴存人购买二星级及以上 新建绿色建筑住房的，住房公积金 ...

（原标题：上海外环外符合条件不限购 新政六大看点蓄力"金九银十"） 21世纪经济报道记者唐韶葵 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《关于优化调整本市房地产政策措施的通知》（简称"《通 知》"），包括调减住房限购、优化住房公积金、优化个人住房信贷以及完善个人住房房产税等政策。 《通知》自2025年8月26日起施行。 具体而言，《通知》主要提出四方面的政策优化： 一、调减住房限购政策 为更好满足居民改善性需求，促进宜居安居、职住平衡，《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。 为减轻居民购房利息负担，《通知》明确优化个人住房信贷政策。银行业金融机构根据上海市市场利率 定价自律机制要求和本机构经营状况、客户风险状况等因素，在利率定价机制安排方面不再区分首套住 房和 ...

《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 ...

新政要求在利率定价机制安排方面不再区分首套住房和二套住房，将极大降低二套房的月还款负担。 8月25日，上海市住房城乡建设管理委、市房屋管理局等六部门联合印发《关于优化调整本市房地产政 策措施的通知》（以下简称"通知"），涉及调整住房限购、优化住房公积金、优化个人住房信贷以及完 善个人住房房产税等一揽子措施。 此前的8月18日，国务院第九次全体会议强调，要切实把思想和行动统一到党中央对形势的科学判断和 决策部署上来，巩固拓展经济回升向好势头，努力完成全年经济社会发展目标任务。在房地产方面，会 议提出采取有力措施巩固房地产市场止跌回稳态势，结合城市更新推进城中村和危旧房改造，多管齐下 释放改善性需求。 业内人士认为，上海楼市新政的出台将巩固上海楼市稳中向好态势，有了新政的加持，在接下来的楼市 传统销售季，"金九银十"成色可期。 单身人士购房资格等同于家庭 今日出台的上海楼市政策，将对单身人士购房、居民在外环外购房等带来积极作用。 通知明确，符合条件居民家庭在外环外购房不限套数。对符合上海市住房购买条件的居民家庭，包括上 海户籍居民家庭、在上海连续缴纳社会保险或个人所得税满1年及以上的非上海户籍居民家庭，在外环 外 ...

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].

Core Viewpoint - Chengdu's new real estate policy aims to promote stable and healthy development in the housing market through various measures, including adjustments to housing provident fund loans and the gradual removal of housing sales restrictions [1][2][5]. Group 1: Housing Provident Fund Adjustments - The loan limit for housing provident funds will be calculated as 25 times the deposit balance, aimed at reducing the financial burden on residents [10]. - The minimum down payment ratio for purchasing a second home using housing provident fund loans has been reduced from 30% to 20% [3][10]. - The policy also allows for the extraction of provident funds for the renovation of old elevators in residential complexes [10]. Group 2: Removal of Housing Sales Restrictions - Starting from July 21, 2025, new homes purchased before October 14, 2024, will no longer be subject to sales restrictions after obtaining the property certificate [2][6]. - From January 1, 2026, the sales restrictions on second-hand homes purchased before October 14, 2024, will also be lifted [2][6]. Group 3: Enhancing Housing Supply Quality - The policy emphasizes the development of high-quality housing around key transportation hubs in various districts, including Longquanyi, Xindu, and Wenjiang [4][5]. - Adjustments have been made to the commercial office space holding ratios in key business districts, requiring at least 40% in certain areas and 25% in others [4]. Group 4: Promoting Balanced Regional Development - The policy supports different districts in implementing effective measures tailored to their unique development characteristics to stabilize the real estate market [5]. - Various districts are encouraged to adopt measures such as direct subsidies for down payments and consumer vouchers to stimulate housing demand [5]. Group 5: Land Supply and Management - Chengdu plans to supply 13,000 acres of commercial construction land by 2025, focusing on a balanced approach to land supply [7][8]. - A mechanism linking commercial building vacancy rates to new commercial land supply will be established to promote supply-demand balance [9].

Core Viewpoint - Chengdu is implementing a series of new real estate policies to stabilize the market and promote healthy development, including direct subsidies for down payments, phased cancellation of sales restrictions, and increased public housing loan limits [1][2]. Group 1: Policy Measures - The Chengdu Municipal Housing and Urban-Rural Development Bureau, along with five other departments, issued a notice containing 17 measures aimed at improving supply quality, meeting diverse demands, revitalizing existing stock, and enhancing the effectiveness of the public housing fund system [1][2]. - The policies are in response to the central government's call for high-quality urban development and the need for coordinated growth among cities and towns [2]. Group 2: Regional Development - Chengdu supports districts and counties to adopt effective measures tailored to their development characteristics and real estate market conditions, focusing on high-quality housing development around key transportation hubs [2][3]. - The initiative aims to enhance living and working conditions, improve transportation networks, and expand public service resources to attract diverse housing demands [2]. Group 3: Sales Restrictions and Housing Market - The notice outlines a phased approach to lifting housing sales restrictions, allowing properties purchased before October 14, 2024, to be traded after obtaining property certificates starting from July 21, 2025 [3]. - Special sales restrictions for certain high-demand projects will continue under existing policies [3]. Group 4: Public Housing Fund Adjustments - The public housing fund loan calculation formula will be optimized to support housing consumption, allowing for a loan amount of 25 times the account balance for both employed and self-employed individuals [4][5]. - The new formula will also apply to the conversion of commercial loans to public housing loans [5]. Group 5: Land Supply Management - Chengdu is implementing a "three-color" management mechanism for land supply, categorizing areas based on their market acceptance and historical supply data to control land availability effectively [10]. - The mechanism aims to manage land supply in areas with high commercial vacancy rates and prioritize the release of prime land [10].

Group 1 - The overall real estate market in Wuhan is showing signs of recovery, with new housing contract sales reaching 506.97 million square meters, a year-on-year increase of 30.6%, and second-hand housing sales at 533.37 million square meters, up 10.8% [1] - The "Han Nine Measures" and the Spring Home Buying Festival have positively impacted the market, leading to increased new home sales and higher foot traffic in sales offices, indicating a rebound in market activity [1][2] - In June, a total of 21,551 new and second-hand homes were sold, representing a month-on-month increase of 30.9% and a year-on-year increase of 26.3%, with new home monthly sales surpassing 10,000 for the first time this year [1] Group 2 - The government has implemented targeted policies, including the "Han Nine Measures," which enhance support for housing consumption through measures like "old for new" exchanges and expanded subsidies for families with multiple children [2] - The Spring Home Buying Festival attracted 31 real estate companies and 150 projects, showcasing a variety of related industries, which contributed to the market's recovery [2] - Future work will focus on risk prevention, inventory reduction, supply optimization, and promoting transformation, with plans to enhance policies for specific demographics and increase the supply of high-quality housing [3]

Group 1 - The core viewpoint of the articles indicates a significant recovery in the Wuhan real estate market in the first half of 2025, with new housing and second-hand housing transactions showing substantial year-on-year growth [1][2][3] - In the first half of 2025, the net signed area of new commercial housing reached 5.0697 million square meters, a year-on-year increase of 30.6%, while the net signed area of second-hand housing was 5.3337 million square meters, up 10.8% [1][2] - The Wuhan government is implementing targeted policies to stimulate housing demand, including expanding subsidies for families with multiple children and promoting the "old for new" housing exchange program [2][5] Group 2 - The land auction market in Wuhan has been active, with six plots sold for a total of 2.906 billion yuan, and the highest floor price recorded at 27,920 yuan per square meter, marking the second-highest in the city's history [4] - In the first half of 2025, 28 residential land plots were sold, with a total building area of 2.1944 million square meters and a total transaction amount of 11.407 billion yuan, nearly doubling compared to the same period last year [4] - The Wuhan government has extended several policies to promote stable development in the real estate market, including easing pre-sale permit conditions and continuing tax subsidies for home purchases until the end of 2025 [4][5] Group 3 - The proportion of various types of affordable housing, storage, and reconstruction accounted for about 30% of new housing transactions in the first half of 2025, contributing to the increase in transaction volume [3] - The overall de-stocking cycle for new housing in Wuhan has decreased to 12 months, indicating a healthier market condition [2] - The government aims to enhance the supply of high-quality housing and improve policies for specific groups to further stimulate the market [5]