京籍多子女家庭五环内可买3套房

Core Viewpoint - Beijing's government has introduced new policies to stabilize the real estate market, effective from December 24, 2025, aimed at meeting residents' housing needs and improving the investment environment [1][3]. Group 1: Housing Purchase Policy Adjustments - The policy relaxes home purchase conditions for non-Beijing residents, reducing the social security or tax payment requirement from 3 years to 2 years for properties within the Fifth Ring Road, and from 2 years to 1 year for properties outside [3]. - Families with two or more children can purchase additional properties; Beijing residents can buy up to 3 homes within the Fifth Ring Road, while non-Beijing residents with 2 years of social security or tax payments can buy 2 homes [3]. Group 2: Housing Credit Policy Changes - The new guidelines optimize personal housing credit policies, allowing banks to set interest rates for housing loans without differentiating between first and second homes, based on market conditions and client risk [3]. - The minimum down payment for second home purchases using housing provident fund loans is reduced from 30% to 25% [3]. Group 3: Real Estate Development and Investment Environment - The notification proposes changes to the land acquisition process for real estate development projects, shifting from city-level approval to district-level filing to enhance investment efficiency [4].