北京楼市新政！符合条件家庭五环外购买商品住房不限套数

Core Viewpoint - The recent notification from Beijing's housing authorities aims to optimize and adjust real estate policies to promote a stable and healthy market, allowing eligible families to purchase unlimited properties outside the Fifth Ring Road starting from August 9, 2025 [1][2]. Group 1: Policy Adjustments - Eligible families can purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [2]. - The policy applies to Beijing residents and non-residents who have paid social insurance or individual income tax in Beijing for at least two years [2]. - The existing purchase limits for properties within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy two properties and non-residents with three years of tax or insurance payments allowed to buy one [2]. Group 2: Housing Fund Loan Support - The notification emphasizes increasing support for housing fund loans, allowing applicants without any housing in Beijing or any public housing loans nationwide to qualify for first-home loan policies [3]. - For second-home loans, the maximum loan amount is set at 1 million yuan, with a minimum down payment of 30% [4]. - The loan amount per year of housing fund contribution has increased 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 about 7 years [5]. Group 3: Additional Loan Benefits - The notification includes provisions for increasing loan limits for families meeting specific criteria, such as supporting green building initiatives or families with multiple children, allowing for an additional loan increase of up to 400,000 yuan [4][5]. - The minimum down payment for second-home loans has been standardized to 30%, regardless of whether the property is inside or outside the Fifth Ring Road [4].