刚刚，北京发布楼市新政！

Core Viewpoint - Beijing has announced adjustments to its housing purchase policies to better meet the housing needs of residents, including easing restrictions for non-local families and supporting families with multiple children [1][2]. Group 1: Policy Adjustments - The requirement for non-local families to purchase housing within the Fifth Ring Road has been reduced from a social insurance or personal income tax payment period of 3 years to 2 years [2]. - For purchasing housing outside the Fifth Ring Road, the requirement has been reduced from 2 years to 1 year [2]. - Families with two or more children can purchase an additional property within the Fifth Ring Road, in addition to existing housing purchase policies [2]. Group 2: Financial and Regulatory Changes - Banks will no longer differentiate between first and second home loans in terms of interest rate pricing, allowing for more flexible loan terms based on market conditions and individual risk profiles [2][3]. - The minimum down payment for using public housing funds to purchase a second home is set at 25% [3]. - The approval process for real estate development projects will shift from city-level to district-level registration to optimize the business environment [3].