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in order to thoroughly implement the decisions and arrangements of the party central committee and the state council, accelerate the establishment of a housing system that promotes both renting and purchasing, accelerate the construction of a new real estate development model, implement city-specific policies to better meet residents' rigid housing needs and diversified improved housing needs, and promote a stable and healthy real estate market development, with the approval of the municipal government, the policies and measures to further optimize the real estate market are hereby notified as follows:

oneadjust housing purchase restriction policy

(1) for families and single persons who are not registered residents of this city and purchase housing outside the outer ring road, the number of years required to pay social insurance or personal income tax for the purchase of the house will be adjusted to one year or more of continuous payment before the date of purchase.

(2) non-local resident families who hold a "shanghai residence permit" and whose points reach the standard value and have paid social insurance or personal income tax in this city for three years or more will enjoy the same benefits as shanghai resident families in purchasing housing units. house purchase benefits.

(3) implement a more differentiated house purchase policy in the lingang new area of ​​the free trade zone. for groups who work in the new area and have job-housing separation, on the basis of the existing housing purchase restriction policy, they can purchase an additional 1 unit in the new area. provide housing and promote work-housing balance.

twooptimize housing credit policies

(1) implement the national policy on lowering existing mortgage interest rates and guide commercial banks to steadily and orderly reduce existing mortgage interest rates to close to the new loan interest rates to further reduce the mortgage interest expenses of home buyers.

(2) the minimum down payment ratio for commercial personal housing loans for first homes is adjusted to no less than 15%. the minimum down payment ratio for commercial personal housing loans for second homes is adjusted to no less than 25%; the minimum down payment ratio for second home loans in areas with differentiated policies is adjusted to no less than 20%. the minimum down payment ratio for housing provident fund second home loans will be adjusted accordingly.

threeadjust housing tax policy

(1) adjust the value-added tax collection and exemption period from 5 years to 2 years.

(2) in accordance with national work arrangements, timely cancel ordinary housing standards and non-ordinary housing standards to reduce housing transaction costs and better meet residents' needs for improved housing.

this notice will be effective from october 1, 2024.