重磅！北京楼市新政来了

Core Viewpoint - The new policy in Beijing allows eligible families to purchase an unlimited number of residential properties outside the Fifth Ring Road starting from August 9, 2025, while also enhancing housing provident fund loan support [1][3][4]. Group 1: Policy Changes - Eligible families can now buy an unlimited number of residential properties outside the Fifth Ring Road, including both new and second-hand homes [3][4]. - The policy maintains existing restrictions for purchasing properties within the Fifth Ring Road, with Beijing residents limited to two properties and non-Beijing residents with at least three years of social insurance or income tax payments limited to one property [4]. Group 2: Housing Provident Fund Support - The policy expands the scope of housing provident fund loans for first-time homebuyers, allowing those with a cleared loan record nationwide to be recognized as first-time buyers, which can significantly reduce down payment and monthly payments [5]. - The maximum loan amount for second homes has been increased from 600,000 yuan to 1,000,000 yuan, with potential additional increases for borrowers meeting specific criteria [5]. - The minimum down payment ratio for second homes has been standardized to no less than 30%, eliminating distinctions between properties inside and outside the Fifth Ring Road [5][6]. Group 3: Loan Amount Adjustments - The amount that can be borrowed per year of provident fund contribution has increased from 100,000 yuan to 150,000 yuan, reducing the time required to accumulate sufficient contributions for larger loans [6]. - The policy supports simultaneous withdrawal of provident fund for down payments while applying for loans, facilitating the purchasing process for new homes [6].