重磅！北京优化住房限购政策！

Core Viewpoint - The Beijing Municipal Housing and Urban-Rural Development Committee and the Beijing Housing Provident Fund Management Center issued a notification to optimize and adjust real estate policies, effective from August 9, 2025, allowing more flexibility in housing purchases for eligible residents [1] Group 1: Housing Purchase Policies - The notification optimizes housing purchase restrictions, allowing eligible residents (including local and certain non-local families) to purchase an unlimited number of properties outside the Fifth Ring Road [1] - Single adults are subject to the same purchase restrictions as resident families when buying properties [2] Group 2: Housing Provident Fund Support - The notification expands the scope of first-home provident fund loans, reclassifying certain borrowers with previous loan records from second-home to first-home status, 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-home provident fund loans is increased from 600,000 yuan to 1 million yuan, with additional loan increases available under specific conditions, allowing for a maximum loan of 1.4 million yuan [3] - The minimum down payment ratio for second-home loans is standardized to 30%, regardless of location within or outside the Fifth Ring Road [3] Group 3: Loan Application Process - The notification increases the loan amount available per year of provident fund contribution from 100,000 yuan to 150,000 yuan, reducing the required contribution period for a 1.2 million yuan loan from over 11 years to just over 7 years [4] - Borrowers can now withdraw provident fund for down payments while simultaneously applying for loans, streamlining the purchasing process for new homes [4]