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上海房产最新政策梳理

  • 2026-04-13 12:35:27
上海房产最新政策梳理
     关于上海最新房地产政策优化的内容细节，不断收到客户朋友们的咨询，每个家庭或个人的情况不同，问题也各有不同，所以尝试把政策内容尽量梳理的大家可以对应着自己的情况能够一目了然。
一、先说调减住房限购政策
在上海「外环内」有意购买住房的非本市户籍人群，政策调整如下：
1、社保或个税连续缴纳1年以上，即有购房资格。（在此之前是3年）
2、社保或个税满3年以上，可增购1套。（在此之前是1套）
3、持有《上海市居住证》满5年及以上，可拥有1套购房资格。（这条细则是本次政策新增调整内容）
备注：本次政策调整不区分家庭及单身，即延续上次调整为单身（成年）不再要求已婚的情况下，才可有购房资格的基础上，本次政策调整为满足3年以上社保或个税的要求，还可增购1套，这也是本次调整对单身人士的又一次友好放开。
二、再梳理一下公积金政策调整
1、首套住房家庭最高贷款额提高至240万（之前为160万）。
2、有过公积金贷款且已结清的情况下，可再次申请公积金贷款。（之前认房认贷）。
3、多子女家庭购买第二套住房的，最高贷款额可上浮20%。（之前二套无上浮）
三、最后描述一下房产税政策调整
1、时间：自2026年1月1日起。
2、调整：本市户籍家庭中的子女成年后，购买唯一住房的，暂免征收房产税。（即不再需要从之前与父母等亲属共有房产中除名，变成唯一后才可享受暂免征收的政策。）
     下面附上本次政策调整的正式文件，以便有需要的朋友对比查询。

     因为喜欢，所以专注。我是一个上海房产经纪人，主营衡复风貌老洋房板块，如有房产方面的咨询欢迎添加微信，烦请注明来意。谢谢～

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  139. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/runtime/temp/cbe9940b986bd319e8e4ad9d69892652.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.027008s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001107s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000416s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000311s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000586s ]
  6. SELECT * FROM `set` [ RunTime:0.000233s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000695s ]
  8. SELECT * FROM `article` WHERE `id` = 478745 LIMIT 1 [ RunTime:0.000700s ]
  9. UPDATE `article` SET `lasttime` = 1776817645 WHERE `id` = 478745 [ RunTime:0.008044s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000362s ]
  11. SELECT * FROM `article` WHERE `id` < 478745 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000474s ]
  12. SELECT * FROM `article` WHERE `id` > 478745 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000366s ]
  13. SELECT * FROM `article` WHERE `id` < 478745 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000994s ]
  14. SELECT * FROM `article` WHERE `id` < 478745 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.001680s ]
  15. SELECT * FROM `article` WHERE `id` < 478745 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.004298s ]
0.228954s