北京市优化调整住房限购政策

Core Viewpoint - The Beijing government has issued a notification to optimize and adjust real estate policies to better meet residents' housing needs, effective from December 24, 2025 [1] Group 1: Housing Purchase Policy Adjustments - The notification relaxes housing purchase conditions for non-Beijing households, reducing the social security or tax payment duration from 3 years to 2 years for properties within the Fifth Ring Road, and from 2 years to 1 year for properties outside the Fifth Ring Road [1] - Families with two or more children can purchase additional properties; Beijing households can buy up to 3 properties within the Fifth Ring Road, while non-Beijing households with 2 years of social security or tax payments can buy up to 2 properties [1] Group 2: Housing Loan Policy Changes - The notification optimizes personal housing credit policies, allowing banks to set interest rates for housing loans without differentiating between first and second homes, based on market rates and individual risk assessments [1] - The minimum down payment for second home loans using public housing funds is reduced from 30% to 25% [1] Group 3: Real Estate Development Adjustments - The notification aims to enhance the business environment and improve real estate investment efficiency by changing the project approval process for land acquisition from city-level approval to district-level filing [1]