持续优化！北京前三季度贷款余额同比增7.6%，境外个人在京购房有这些优惠

Core Insights - The People's Bank of China and the State Administration of Foreign Exchange held a press conference focusing on the financial statistics of Beijing for Q3 2025, highlighting the stable monetary credit operation and the optimization of credit structure in support of high-quality economic development [1][2]. Financial Statistics - As of the end of September, the total RMB loan balance in Beijing reached 12.02 trillion yuan, with a year-on-year growth of 7.6%, an increase of 0.3 percentage points compared to the end of June [2][3]. - Corporate loans increased by 8.6% year-on-year, while household loans grew by 6.3%, indicating a steady upward trend [2][3]. - In Q3, the total new RMB loans amounted to 489.6 billion yuan, which is 178.9 billion yuan more than the previous year [2][3]. Loan Structure and Costs - The average weighted interest rate for loans in Beijing was 3.34% in September, down 36 basis points year-on-year, with corporate loans averaging 2.52%, a decrease of 35 basis points [3][4]. - The financial institutions in Beijing provided a net RMB loan of 531.66 billion yuan to the real economy, which is an increase of 348.91 billion yuan year-on-year [4][5]. Cross-Border Investment Reforms - New policies were introduced to enhance cross-border investment facilitation, including the cancellation of basic information registration for foreign direct investment (FDI) and allowing foreign investors to directly open accounts for pre-investment expenses [10][11]. - The new regulations also permit the reinvestment of foreign exchange profits generated within China by FDI enterprises, improving capital allocation efficiency [11][12]. Loan Transparency Initiatives - The "Loan Clarity Document" initiative aims to enhance transparency in corporate loan costs, benefiting 349 small and medium-sized technology enterprises in Beijing [6][7]. - This initiative includes a detailed breakdown of interest and non-interest costs, allowing enterprises to better understand their financing expenses and negotiate better terms [8][9]. Housing Market Adjustments - A new policy allows foreign individuals to conduct foreign exchange settlement for property purchases in Beijing before obtaining the necessary registration documents, addressing common transaction practices [10][13].