北京再调整楼市政策 一线城市相继出招

Core Viewpoint - Beijing has taken the lead in optimizing housing purchase restrictions among first-tier cities, aiming to stabilize the real estate market and prevent a second downturn [1][5]. Group 1: Policy Changes - The new policy allows eligible families to purchase an unlimited number of homes outside the Fifth Ring Road, effective from August 9 [1][6]. - The policy aims to meet the housing needs of residents, promote stable development in the real estate market, and optimize urban spatial layout [2][3]. Group 2: Market Performance - In the first half of the year, Beijing's new housing market saw a "volume and price increase," driven by high-end properties, although there was significant regional and project differentiation [2]. - In July, new residential sales in Beijing dropped to 2,599 units, a decrease of 902 units or approximately 25% from June, while second-hand home transactions fell by 15.6% month-on-month and 17.9% year-on-year [2][4]. Group 3: Impact on Housing Market - The new policy is expected to boost sales in the new housing market outside the Fifth Ring Road, attracting more buyers and increasing market demand [3]. - The second-hand housing market is also anticipated to benefit, with increased transaction activity potentially stabilizing prices [3]. Group 4: Housing Fund Support - The policy expands the scope of housing provident fund loans, allowing first-time homebuyers with a cleared loan record to qualify for first-home status, significantly reducing down payment requirements [7][8]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, supporting improved housing needs [7]. - The policy also raises the loan amount per year of provident fund contribution from 100,000 to 150,000 yuan, facilitating easier access to loans for homebuyers [8].