北京解除五环外住房限购，五环内政策不变、京籍限购2套、非京籍1套

Core Viewpoint - The recent policy adjustments in Beijing aim to optimize the real estate market by easing restrictions on home purchases for certain demographics, particularly focusing on supporting first-time buyers and improving housing accessibility for families [2][3]. Group 1: Policy Changes on Home Purchases - Residents eligible to purchase homes in Beijing can now buy an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [2] - The purchase policy for homes within the Fifth Ring Road remains unchanged, with local residents allowed to buy up to two properties and non-local residents with over three years of social insurance or income tax payments allowed to buy one property [2] Group 2: Housing Fund Support Enhancements - The scope for first-time homebuyers accessing housing fund loans has been expanded, allowing those with a cleared loan record nationwide to be classified as first-time buyers, potentially reducing down payments by up to 600,000 yuan and monthly payments by 253 yuan for a 4 million yuan property [3] - The maximum loan amount for second homes has been increased from 600,000 yuan to 1 million yuan, with additional loan increases available for borrowers meeting specific criteria, allowing for a total loan of up to 1.4 million yuan [3][4] - The minimum down payment ratio for second home loans has been standardized to 30%, eliminating the previous distinction between properties inside and outside the Fifth Ring Road [3] - The annual loan limit based on housing fund contributions has been raised from 100,000 yuan to 150,000 yuan, significantly reducing the time required for borrowers to qualify for larger loans [4] - Borrowers can now withdraw housing funds to pay for down payments while simultaneously applying for housing fund loans, streamlining the purchasing process for new homes [4]