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].

杜晓丹烟台报道 7月29日发布会上,烟台市财政局经济建设科科长李大卫,介绍了烟台市在推进房地产市场稳健发展方面的 财政支持措施。 鼓励开展住房"以旧换新"。对2025年1月1日至2025年12月31日期间,在本市范围内出售自有住房并在出 售后于2025年5月1日至12月31日期间购买新建商品住房的家庭,由新建商品住房所在区(市)给予"卖旧买 新"购房补贴。补贴标准为新房成交总价的0.3%且单套补贴总额最高不超过1万元。鼓励国有企业通 过"以旧换新"方式收购个人二手房用作保障性租赁住房。市级实施主体收购芝罘区、莱山区范围内二手 住房的,市级财政根据企业收购规模、运营出租率等情况统筹资金给予适当补助支持。 给予多代、多孩家庭购房补贴。今年2月,烟台市出台了《烟台市定向购房优惠券发放实施方案》,发放总 额度6000万元,原定政策有效期至2025年6月30日。本次将定向购房优惠券发放和使用时间延长至2025年 12月31日,并明确本市多代、多孩家庭申领的定向群体购房优惠券允许与群团购购房优惠券叠加使用。 加大对区市的支持力度。省级按照2025年第二季度及全年新建商品房销售、房地产开发投资、房地产相 关税收等指标对设区 ...

Group 1 - Yantai City government is implementing financial support measures to promote the stable development of the real estate market, focusing on national and provincial policies [1] - The city is increasing the issuance of special bonds and ultra-long-term national bonds to support urban village renovations and improve the quality of old residential areas [1] - A "trade-in" housing policy is encouraged, providing subsidies for families selling old homes and purchasing new ones within specified timeframes [2] Group 2 - The city is extending the issuance period for targeted housing vouchers for multi-generational and multi-child families until December 31, 2025, allowing for the combination of different types of vouchers [2] - Provincial support will be provided to cities based on new housing sales, real estate development investment, and related tax revenue, with incentives for cities that effectively stabilize the real estate market [3] - Local governments are encouraged to implement measures such as housing subsidies and consumption vouchers to stimulate housing demand [3]

Core Viewpoint - Jiangsu Taizhou has announced adjustments to housing provident fund policies, allowing for broader use of funds for down payments on new residential properties, including the acceptance of "housing vouchers" as a form of down payment [1] Group 1: Policy Adjustments - The scope for withdrawing housing provident fund account balances for down payments has been expanded to include not only the buyer and their spouse but also the buyer's parents and children [1] - The use of "housing vouchers" as down payment evidence for housing provident fund loans is now supported, with the amount being equivalent to the face value of the voucher [1] - The new policy will take effect on August 1, 2025, while applications for housing provident fund loans submitted before this date will still adhere to the previous regulations [1]

Core Viewpoint - The measures introduced by Zhongshan City aim to promote high-quality development in the real estate market through various initiatives, including financial incentives and policy adjustments to attract talent and facilitate home purchases [2][4]. Group 1: Policy Initiatives - The "Old for New" housing consumption voucher program will be launched, allowing residents to exchange their old homes for new ones [2]. - The "New Zhongshan Residents Settle in Zhongshan" initiative will provide tiered subsidies for home purchases based on the applicant's qualifications and employment status [3][4]. - The extension of the housing provident fund loan term to five years beyond the applicant's legal retirement age is introduced [3][12]. Group 2: Financial Adjustments - The personal housing provident fund loan interest rate is reduced by 0.25 percentage points, with new rates set at 2.1% for loans under five years and 2.6% for loans over five years for first-time buyers [3][15]. - For a typical family loan of 1.2 million yuan over 30 years, the interest savings amount to approximately 57,100 yuan for first homes and 59,100 yuan for second homes due to the interest rate adjustment [3][15]. Group 3: Tax and Transaction Policies - The measures include the cancellation of distinctions between ordinary and non-ordinary residential properties, aimed at simplifying transactions [2]. - The policy outlines various tax incentives related to personal housing transactions, including adjustments to personal income tax and land value-added tax [17][18]. Group 4: Housing Supply and Demand - The initiative encourages the acquisition of completed stock housing for use as affordable housing, with a focus on ensuring the quality and suitability of the properties [22]. - The government will enhance the coordination of real estate financing mechanisms to support these initiatives [2].