北京出台楼市新政 8月9日起施行

Core Viewpoint - Beijing's new policy aims to optimize and adjust real estate regulations, allowing eligible families to purchase an unlimited number of homes outside the Fifth Ring Road, while maintaining existing restrictions within the Fifth Ring Road [1][2]. Group 1: Policy Changes - Families with Beijing residency or non-residents who have paid social insurance or income tax for over 2 years can buy unlimited homes outside the Fifth Ring Road [1]. - The existing policy for purchasing homes within the Fifth Ring Road remains unchanged, with Beijing residents limited to 2 homes and non-residents with over 3 years of contributions limited to 1 home [1]. Group 2: Financial Support Adjustments - The maximum loan amount for second homes using housing provident fund loans has increased from 600,000 RMB to 1,000,000 RMB, with potential increases to 1,400,000 RMB under specific conditions [2]. - The minimum down payment for second home loans is now set at 30%, eliminating distinctions between areas inside and outside the Fifth Ring Road [2]. - The loan amount available per year of provident fund contribution has increased from 100,000 RMB to 150,000 RMB, facilitating easier access to loans for home purchases [2].