北京楼市新政出炉——符合条件家庭五环外购房不限套数

Core Viewpoint - The Beijing Municipal Commission of Housing and Urban-Rural Development and the Beijing Housing Provident Fund Management Center issued a notification to optimize real estate policies, effective from August 9, 2025, aimed at promoting a stable and healthy real estate market and meeting residents' housing improvement needs [1][2]. Policy Adjustments - The notification allows families meeting the conditions to purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [1][2]. - The previous requirement for non-Beijing residents to have paid social insurance or personal income tax for two years has been maintained for purchasing properties outside the Fifth Ring Road [1]. Support for Single Individuals - The notification states that single adults will be subject to the same purchasing restrictions as families when buying properties in the city [2]. Housing Provident Fund Enhancements - The notification expands the scope of support for first-time homebuyers and increases the loan limits for second homes, allowing for a maximum loan of 100 million yuan for second homes [3][4]. - The minimum down payment for second homes has been standardized to 30%, regardless of location [3]. Loan Calculation Adjustments - The maximum loan amount per year of provident fund contribution has been increased from 100,000 yuan to 150,000 yuan, reducing the time required for borrowers to qualify for loans [4]. - The adjustment allows for a maximum loan of 160 million yuan for first homes when combined with other supportive policies [4]. Market Impact - The notification is expected to stimulate housing demand and boost market confidence, facilitating transactions in both new and second-hand housing markets [5].