北京：加大住房公积金贷款支持力度

Core Viewpoint - Beijing's housing policy adjustments aim to promote a stable and healthy real estate market, enhance support for residents' housing needs, and effectively utilize market mechanisms [1] Policy Adjustments - The new policy allows eligible residents to purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [1] - Single adults will be subject to the same housing purchase restrictions as families [1] Housing Fund Loan Adjustments - Borrowers with no existing housing in Beijing and no prior public housing fund loans can apply for first-time housing fund loans [1] - The maximum loan amount for purchasing a second home using the housing fund is increased to 1 million yuan, with a minimum down payment of 30% [2][4] - The loan amount increases by 15,000 yuan for each year of housing fund contributions, with a minimum contribution period of one year considered for those with less [2] Implementation and Transition - The new policy will take effect on August 9, 2025, superseding any previous conflicting policies [3] - The criteria for recognizing housing loan eligibility have been optimized, with specific definitions for first and second homes [3] Financial Impact - For a property priced at 4 million yuan, transitioning from a second home loan to a first home loan can reduce the down payment by 600,000 yuan and monthly payments by 253 yuan [3] - The minimum down payment for properties is standardized to 30%, regardless of location [4] - The adjustment allows for a maximum loan of 1.6 million yuan for first-time homebuyers under certain conditions, including support for green building initiatives and multi-child families [4]