北京楼市年末迎政策礼包，首日探访：二手房连夜签约放量，新房静等周末爆发

Core Viewpoint - Beijing's new real estate policies aim to expand the home-buying demographic and stimulate market activity, with potential implications for other first-tier cities [2][4][7] Policy Adjustments - The new policies include lowering the social security and tax duration requirements for non-resident families, allowing multi-child families to purchase additional properties, and eliminating the distinction between first and second home mortgage rates [4][5] - Specifically, the social security requirement for non-resident families within the Fifth Ring has been reduced from 3 years to 2 years, and outside the Fifth Ring from 2 years to 1 year [4] - The current mortgage rates are set at 3.05% for first homes and 3.45% for second homes within the Fifth Ring, with the new policy allowing banks to set rates based on market conditions [4] Market Impact - Analysts expect the new policies to increase market activity, particularly benefiting non-resident and multi-child families, and to lower the cost of purchasing second homes [5][6] - Initial market reactions indicate a significant increase in second-hand home transactions immediately following the policy announcement, although new home sales have not yet shown a marked increase [2][12] Broader Implications - The policy changes reflect a broader trend of easing restrictions on housing consumption, aligning with national directives to support housing demand [7][8] - The adjustments in Beijing are seen as a potential precursor for similar policy changes in other major cities, with expectations for further optimizations in housing policies across the country [8][9] Current Market Conditions - The Beijing housing market is currently experiencing downward pressure on prices, with new residential prices showing slight fluctuations and second-hand home prices declining [11] - Despite the new policies, there remains a lack of confidence among buyers, which may hinder immediate market recovery [13]