北京房贷利率不再区分首二套

Core Viewpoint - Beijing's new policy on mortgage rates aims to reduce financial burdens for homebuyers by unifying the interest rates for first and second homes, effective December 24, 2025 [1][2] Group 1: Policy Changes - The new policy allows for the same mortgage interest rate of 3.05% for both first and second homes, eliminating the previous differentiation [1][2] - The minimum down payment ratios remain at 15% for first homes and 20% for second homes [1][2] Group 2: Financial Impact - For a loan amount of 2 million yuan over 30 years, monthly payments for a second home outside the Fifth Ring will decrease by approximately 218 yuan, saving total interest payments of about 78,500 yuan [1][2] - For a second home within the Fifth Ring, monthly payments will decrease by around 439 yuan, resulting in total interest savings of approximately 158,100 yuan [1][2]