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 in Beijing, 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 consecutive years has been maintained for purchasing properties outside the Fifth Ring Road [1]. Support for Single Individuals - The notification states that single adults in Beijing will be subject to the same purchasing restrictions as families when buying properties [2]. Housing Provident Fund Enhancements - The notification expands the scope of first-time homebuyer housing provident fund loans, increases support for second-home loans, raises the loan limit per year of provident fund contributions from 10,000 to 15,000 yuan, and allows simultaneous withdrawal of provident fund for down payments while applying for loans [2][4]. - The maximum loan amount for second homes has been increased from 600,000 yuan to 1,000,000 yuan, with a unified minimum down payment ratio of 30% regardless of location [3][4]. Impact on Borrowers - The adjustment allows borrowers with one cleared provident fund loan nationwide to be recognized as first-time homebuyers, significantly reducing down payment and monthly payment amounts [2][4]. - For example, a borrower with a total house price of 4 million yuan could see a down payment reduction of up to 600,000 yuan and a monthly payment decrease of 253 yuan [2]. Overall Market Implications - The notification is expected to stimulate housing demand, enhance market confidence, and facilitate transactions in both new and second-hand housing markets, contributing to the stabilization of the real estate sector [6].