北京市：调减非京籍家庭购房社保或个税缴纳年限

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 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 [1] - Families with two or more children are allowed to purchase additional properties, with Beijing residents permitted to buy up to three properties within the Fifth Ring Road, while non-Beijing families with two years of social security or tax payments can buy two [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 rates and individual risk assessments [2] - The minimum down payment for second home loans using public housing funds is reduced from 30% to 25% [2] Group 3: Real Estate Development Efficiency - The policy aims to improve the business environment and enhance real estate investment efficiency by changing the project approval process for land acquisition from city-level approval to district-level filing [2]