Core Viewpoint - The Beijing government has issued a notification to further optimize and adjust real estate policies, aiming to better meet the housing needs of residents, including both rigid and diversified improvement demands [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 individual 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 households permitted to buy up to three homes within the Fifth Ring Road, while non-Beijing households with two years of social security or tax payments can buy two homes [1]. Group 2: Housing Loan Policy Changes - The notification specifies an optimization of personal housing credit policies, allowing banks to set interest rates for commercial personal housing loans without differentiating between first and second homes, based on market rates and individual risk factors [1]. - The minimum down payment ratio for second home purchases using public housing funds has been reduced from 30% to 25% [2]. Group 3: Real Estate Development Process - To enhance the business environment and improve real estate investment efficiency, the approval process for real estate development projects has been adjusted from city-level approval to district-level filing [2].
北京购房新政：非京籍社保缴税要求年限下调 多子女家庭五环内可多买一套
Yang Shi Xin Wen·2025-12-24 14:25