重磅！北京发布购房新政，专家这样解读

Core Viewpoint - Beijing's new real estate policy allows eligible families to purchase an unlimited number of properties outside the Fifth Ring Road starting from August 9, 2025, aiming to optimize housing accessibility and support for residents [1][4]. Group 1: Policy Changes - The new policy eliminates the limit on the number of properties that eligible families can buy outside the Fifth Ring Road, while maintaining existing restrictions for properties within the Fifth Ring Road [1][4]. - The policy applies equally to single adults and married families, simplifying the purchasing process for various demographics [5]. Group 2: Housing Fund Support - The policy expands the scope of housing fund loans, allowing applicants with a cleared loan record to be recognized as first-time buyers, potentially reducing down payment requirements significantly [2][8]. - The maximum loan amount for second homes is increased from 600,000 to 1,000,000 yuan, with a unified down payment ratio of 30% for both inner and outer Fifth Ring Road properties [2][8]. - The annual loan limit based on housing fund contributions is raised from 100,000 to 150,000 yuan, accelerating the loan accumulation process for borrowers [3][8]. Group 3: Market Impact - The new policy is expected to stimulate demand in the outer areas of Beijing, particularly benefiting families looking to purchase multiple properties for various needs, such as retirement or vacation homes [13][14]. - The adjustments in housing fund policies are anticipated to lower monthly payment burdens and total interest costs for buyers, enhancing affordability in the housing market [9][10].