北京市住房限购政策再优化，符合条件家庭五环外购房不再限制套数

Core Viewpoint - Beijing's housing policy adjustments aim to promote a stable and healthy real estate market, better meet residents' housing improvement needs, and effectively utilize market mechanisms, with new regulations set to take effect on August 9, 2025 [1] Group 1: Policy Adjustments - Families meeting certain criteria can purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [2] - The policy for purchasing properties within the Fifth Ring Road remains unchanged, with restrictions of two properties for Beijing residents and one for non-Beijing residents who have paid social insurance or income tax for over three years [2] Group 2: Housing Fund Support - The new policy expands the scope of housing provident fund loans for first-time homebuyers and increases support for second-home loans, raising the maximum loan amount for second homes from 600,000 to 1,000,000 yuan [3] - The minimum down payment for second-home loans is standardized to 30%, regardless of whether the property is inside or outside the Fifth Ring Road [3] Group 3: Loan Calculation Standards - The loan amount calculation standard is improved, increasing the loan amount per year of provident fund contribution from 100,000 to 150,000 yuan, significantly reducing the required contribution period for larger loans [4] - Borrowers can now extract housing provident fund to pay for down payments while simultaneously applying for loans, facilitating the purchasing process for new homes [4]