北京最新发布：符合条件家庭在北京市五环外不再限制购房套数

Core Viewpoint - Beijing has announced new housing policies aimed at optimizing housing purchase restrictions and enhancing housing provident fund support, which are expected to benefit families with separated households and improve overall market conditions in the third quarter [1][2][10]. Housing Purchase Policy Adjustments - The new policy allows eligible families to purchase an unlimited number of properties outside the Fifth Ring Road in Beijing, including both new and second-hand homes [3][4]. - The existing purchase limits for properties within the Fifth Ring Road remain unchanged, with local residents allowed to buy up to two properties and non-local residents with three years of social insurance or tax payments allowed to buy one [3][4]. Housing Provident Fund Support Enhancements - The policy expands the scope of first-home provident fund loans, allowing applicants with one cleared loan record nationwide to be classified as first-time buyers, potentially reducing down payments by up to 600,000 yuan and monthly payments by 253 yuan [4][5]. - The maximum loan limit for second-home provident fund loans has been increased from 600,000 yuan to 1,000,000 yuan, with additional benefits for families meeting specific criteria [4][5]. - The annual loan limit per year of provident fund contribution has been raised from 100,000 yuan to 150,000 yuan, reducing the time required for borrowers to qualify for loans [5]. - The policy allows for simultaneous withdrawal of provident fund for down payments and loan applications, streamlining the purchasing process for new homes [6]. Market Impact and Trends - The adjustments are expected to cater to the growing demand for diverse housing needs, particularly for families with separated households, as the market shifts from rigid demand to more varied improvement needs [8][9]. - The new policies are anticipated to sustain the positive market trends observed in the first half of the year, with significant increases in both second-hand and new home transactions [10].