北京重磅新政给楼市“添把火”

Core Viewpoint - Beijing has announced significant adjustments to its real estate policies, particularly regarding the purchase of properties outside the Fifth Ring Road, effective from August 9, 2025, allowing unlimited purchases for eligible families [2][3]. Group 1: Policy Changes - The new policy allows Beijing residents and non-residents who have paid social insurance or income tax for at least two years to purchase unlimited properties outside the Fifth Ring Road [2]. - The existing restrictions for properties within the Fifth Ring Road remain unchanged, with local families limited to two purchases and non-residents to one purchase if they have paid social insurance or income tax for three years [2]. - The rationale for lifting the purchase limit outside the Fifth Ring Road is to better meet the housing needs of residents and promote a balance between work and living conditions [2]. Group 2: Public Fund Policy Enhancements - The new policy expands the scope of public fund loans for first-time homebuyers, allowing those without housing in Beijing but with a cleared public fund loan record elsewhere to be classified as first-time buyers [4]. - For example, a home priced at 4 million yuan can see a reduction in the down payment by up to 600,000 yuan and a decrease in monthly payments by up to 253 yuan when classified as a first-time purchase [4]. - The maximum public fund loan for second homes has been increased from 600,000 yuan to 1 million yuan, with potential additional benefits for families meeting specific criteria [4]. Group 3: Market Context - In the first half of the year, new residential sales in Beijing reached 2.67 million square meters, a year-on-year increase of 3%, while second-hand home transactions totaled 88,600 units, up 18% year-on-year [6]. - However, July saw a decline in second-hand home transactions, with a 15.56% month-on-month drop and a 17.92% year-on-year decrease, indicating a need for policy intervention to stimulate the market [6].