上海市于8月20日印发《关于优化本市房地产政策措施的通知》，推出包括优化住房公积金提取、调整个人住房贷款首付比例、实施购房补贴、推行房票安置、收购二手住房等8项措施1。该政策自2026年8月21日起施行1。
根据新政策，首套住房商业性个人住房贷款最低首付款比例统一为不低于15%1。二套住房方面，外环内最低首付款比例为不低于25%，外环外则为不低于15%（含宝山区、嘉定区全域）1。
购房补贴方面，单套住房最高可补贴8万元人民币1。出售外环内老房子后购买外环外新房可获补贴3万元，加上房贷补贴最高5万元2。此外，公积金支持范围从新建预售商品住房扩大到现房1，可在5年内每年领取一次，用途包括购房契税、车位、储藏室等2。
Shanghai announced a comprehensive package of eight real estate policy measures on August 20, designed to stabilize the housing market and clear inventory in outlying districts 12. The measures, which take effect on August 21, include adjustments to housing provident fund withdrawals, modifications to mortgage lending terms, purchase subsidies, and housing ticket settlement programs 1.
The centerpiece of the new policy framework introduces substantial financial incentives for homebuyers. Residents who sell older properties in the inner ring and purchase new homes in outer ring areas can receive up to 80,000 yuan in combined subsidies 2. For first-time homebuyers, the minimum down payment on commercial mortgages has been standardized at no less than 15 percent 1. Second-home buyers face differentiated requirements: those purchasing within the outer ring must put down at least 25 percent, while those in outer ring areas and districts including Baoshan and Jiading need only 15 percent 1.
The policy also expands access to provident fund support. The withdrawal eligibility now extends from pre-sale new commercial housing to completed properties 1. Fund holders can access withdrawals for expenses including purchase taxes, parking spaces, and storage rooms 2.
评论
还没有评论，欢迎留下第一条。