降社保年限、五环内放房票！北京年末祭出重磅楼市新政

Core Viewpoint - Beijing has introduced new real estate regulations aimed at stabilizing the housing market, effective from December 24, 2025, which include relaxed purchasing conditions for non-local families and support for multi-child households [2][3]. Group 1: Policy Adjustments - The first major policy change allows non-local families to purchase homes in the city 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 [2][3]. - Multi-child families are now permitted to buy additional properties: local families can purchase up to 3 homes within the Fifth Ring Road, while non-local families with 2 years of social security or tax payments can buy 2 homes [2][3]. Group 2: Housing Credit Policy - The new regulations optimize personal housing credit policies, eliminating the distinction between first and second homes in interest rate pricing, allowing banks to set rates more flexibly [3]. - The minimum down payment for second home purchases using housing provident fund loans has been reduced from 30% to 25% [3]. Group 3: Market Conditions - The Beijing housing market is currently experiencing a "price-for-volume" strategy, with a reported increase in second-hand housing transactions: 14,446 units in November, a 19.5% month-on-month increase, and 14,362 units in December, a 3.5% increase [3][4]. - Despite these increases, year-on-year comparisons show a decline in transactions, indicating ongoing market challenges [3][4]. Group 4: Price Trends - The average price of second-hand homes in Beijing has been on a downward trend for 8 consecutive months, with the average total price dropping from approximately 3.8 million yuan in June to around 3.5 million yuan in November [4]. - The current listing volume of second-hand homes is about 157,000 units, down from last year's peak of 176,000 but still high compared to the market low of around 100,000 [4].