楼市大消息！北京调整限购政策：非京籍家庭购房条件进一步放宽

Core Viewpoint - The Beijing government has issued a notification to further optimize and adjust real estate policies to better meet the housing needs of residents, particularly focusing on easing purchase conditions for non-local families and supporting multi-child households [1][2]. Group 1: Housing Purchase Policy Adjustments - Non-local families can now purchase homes with reduced social security or tax payment requirements: from 3 years to 2 years for properties within the Fifth Ring Road, and from 2 years to 1 year for properties outside [1]. - Multi-child families are allowed to purchase additional properties: local multi-child families can buy up to 3 homes within the Fifth Ring Road, while non-local multi-child families with 2 years of social security or tax payments can buy up to 2 homes [1]. Group 2: Housing Loan Policy Changes - The minimum down payment for second home purchases using public housing funds has been reduced from 30% to 25% [2]. - The notification also states that banks 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]. Group 3: Real Estate Development Process - The approval process for real estate development projects has been streamlined, shifting from city-level approval to district-level filing, aimed at improving the investment efficiency in the real estate sector [2].