新政后，北京房贷利率能降多少？

Core Viewpoint - Beijing's real estate market is undergoing significant policy changes aimed at optimizing housing conditions and stimulating demand, particularly for non-local residents and families with multiple children [1][8]. Group 1: Policy Changes - The new policy eliminates the distinction between first and second home loan interest rates, and reduces the minimum down payment for second homes purchased with public housing funds from 30% to 25% [1][2]. - Non-local families can now purchase homes in the inner fifth ring of Beijing with a minimum of two years of social insurance or income tax payments, down from three years, while the requirement for the outer fifth ring is reduced to one year [5][6]. Group 2: Market Impact - The changes are expected to lower the cost of purchasing second homes, potentially saving buyers nearly 160,000 yuan in total interest payments over a 30-year loan for a 2 million yuan mortgage [4][5]. - The average listing time for properties in Beijing has increased by 25% year-on-year, indicating a growing difficulty in market absorption, which the new policies aim to address by lowering entry barriers [6][7]. Group 3: Broader Implications - The policy is seen as a precursor to similar adjustments in other major cities like Shanghai and Shenzhen, reflecting a broader trend of easing housing market restrictions across China [8][9]. - The adjustments are part of a larger strategy to support housing demand and improve market conditions, particularly in light of recent declines in housing prices and sales volumes [7][8].