重磅！北京发布楼市新政

Core Viewpoint - Beijing is implementing measures to stabilize the real estate market in response to the central economic work conference, with new policies effective from December 24, 2025 [1][2]. Group 1: Housing Purchase Policy Adjustments - The policy relaxes housing purchase conditions for non-Beijing residents, reducing the social security or tax payment requirement from 3 years to 2 years for purchasing homes within the Fifth Ring Road, and from 2 years to 1 year for homes outside the Fifth Ring Road [1]. - Families with two or more children are allowed to purchase additional homes, with Beijing residents permitted to buy up to three homes within the Fifth Ring Road, while non-Beijing families with two years of social security or tax payments can buy two homes [1]. Group 2: Housing Credit Policy Enhancements - The new policy optimizes personal housing credit policies, allowing banks to set mortgage rates without differentiating between first and second homes, based on market conditions and individual risk assessments [1]. - The minimum down payment for second home purchases using public housing funds is reduced from 30% to 25% [2]. Group 3: Real Estate Development Process Improvements - The policy aims to enhance the business environment and improve investment efficiency in real estate by changing the project approval process from city-level to district-level registration [2].