北京楼市新政 放宽非京籍家庭购房条件

Core Viewpoint - Beijing has announced a series of adjustments to its real estate policies aimed at better meeting the housing needs of residents, effective from December 24, 2025 [1][2] Group 1: Housing Purchase Policy Adjustments - The conditions for non-Beijing households to purchase homes have been relaxed, 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 the Fifth Ring Road [1] - Families with two or more children are now allowed to purchase additional properties, with Beijing residents able to buy up to three homes within the Fifth Ring Road, while non-Beijing families with two years of social security or tax payments can buy two 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 pricing mechanism for personal housing loans will no longer differentiate between first and second homes, allowing banks to set rates based on market conditions and individual risk assessments [1] Group 3: Real Estate Development Efficiency - The approval process for real estate development projects has been streamlined, shifting from city-level approval to district-level filing, aimed at enhancing the investment efficiency in the real estate sector [2]