楼市政策“组合拳+大礼包”持续显效 房地产市场信心提振

Core Viewpoint - The recent adjustments to housing purchase and housing provident fund policies in Beijing aim to stimulate the real estate market and align with the city's overall urban planning strategy, marking the third relaxation of housing purchase restrictions since last year [1][3]. Policy Adjustments - The new policy removes the limit on the number of properties that can be purchased outside the Fifth Ring Road, allowing families to buy an unlimited number of homes in that area. Within the Fifth Ring Road, families can purchase up to two homes [3]. - The adjustments reflect a shift from allowing one additional purchase outside the Fifth Ring Road to completely removing the purchase cap, indicating a response to current supply and demand dynamics in Beijing's real estate market [3][5]. Housing Fund Policy Changes - The housing provident fund policy has been adjusted in four key areas, primarily relaxing the criteria for recognizing first-time home purchases. Individuals with no property can now apply for provident fund loans as first-time buyers, even if they have previously used such loans [7]. - This change allows eligible buyers to reduce their down payment by 10% to 15% when using combined loans for purchasing homes [7]. Market Impact - In the first half of this year, the transaction volume for new and second-hand homes in Beijing increased by 24.4% and 18.4% respectively compared to the same period last year, indicating a positive market trend [8]. - Following the implementation of the new policies, developers have actively promoted the changes to boost buyer confidence, with many showcasing the benefits of the new regulations in their marketing materials [10]. Buyer Sentiment - The adjustments to the housing provident fund have directly benefited buyers, as seen in the case of individuals who can now access higher loan amounts, thus enhancing their purchasing power [10]. - Additional social policies, such as childcare subsidies and free preschool education, have also contributed to a more favorable environment for potential homebuyers, further boosting their confidence in the market [12].