北京优化政策放宽非京籍家庭购房条件

Core Viewpoint - The Beijing government has implemented new policies to stabilize the real estate market by relaxing home purchase conditions for non-local families and supporting multi-child households [1][2]. Group 1: Policy Adjustments - The policy allows non-local families to purchase homes in Beijing 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 [1]. - 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 2 homes [1]. Group 2: Financial Support - The minimum down payment for second home purchases using public housing funds has been reduced from 30% to 25% [2]. - The personal housing loan interest rate mechanism 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: Implementation Timeline - These policies will take effect on December 24, 2025 [3].