北京调整住房限购政策 放宽非京籍家庭购房条件

Core Viewpoint - Beijing has announced adjustments to its housing purchase policies to promote a stable and healthy real estate market, aiming to better meet the housing needs of residents, including those with multiple children [1][2]. Group 1: Policy Adjustments - Non-local residents can now purchase homes within the Fifth Ring Road after paying social insurance or income tax for at least 2 years prior to the purchase; for homes outside the Fifth Ring Road, the requirement is reduced to 1 year [1][3]. - Families with two or more children, regardless of their residency status, are allowed to purchase an additional home within the Fifth Ring Road, in addition to existing housing purchase policies [1][3]. Group 2: Financial and Regulatory Changes - Financial institutions will no longer differentiate between first and second home loans in their interest rate pricing, allowing for more flexible loan terms based on market conditions and individual risk profiles [1][3]. - The minimum down payment for using public housing funds to purchase a second home is set at 25% [1][3]. - The approval process for real estate development projects will shift from district-level to district-level filing, aimed at optimizing the business environment [1][3]. Group 3: Implementation Timeline - The new policies will take effect on December 24, 2025, superseding any previous inconsistent regulations [2].