北京调整住房限购政策：放宽非京籍家庭购房条件 商贷利率不再区分首套二套

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][2]. Group 1: Housing Purchase Policy Adjustments - The notification relaxes housing purchase conditions for non-Beijing households, reducing the social security or individual 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 are allowed to purchase additional properties, with Beijing residents permitted to buy up to 3 properties within the Fifth Ring Road, while non-Beijing families with two years of social security or tax payments can buy 2 properties [1]. Group 2: Housing Loan Policy Adjustments - The notification optimizes personal housing credit policies, allowing banks to set interest rates for commercial personal housing loans without differentiating between first and second homes, based on market rates and individual risk factors [1]. - The minimum down payment for second home purchases using public housing funds has been reduced from 30% to 25% [2]. Group 3: Real Estate Development Efficiency - 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 [2].