北京新政：支持多子女家庭住房需求

Core Viewpoint - Beijing has introduced new real estate policies 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 up to 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 terms of interest rate pricing for commercial housing loans [3]. - The minimum down payment for second home loans using housing provident funds 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 notable increase in second-hand housing transactions: 14,446 units were signed in November, a 19.5% month-on-month increase [4]. - However, the average price of second-hand homes has been declining, with the average total price dropping from approximately 3.8 million yuan in June to around 3.5 million yuan by November [4]. - The current listing volume of second-hand homes is about 157,000 units, down from last year's peak of 176,000 units, but still high compared to the market low of around 100,000 units [4].