北京楼市新政：符合条件家庭五环外购房不限套数

Core Viewpoint - The article discusses the new policies implemented by Beijing's housing authorities to optimize real estate regulations, effective from August 9, 2025, aimed at enhancing housing accessibility and supporting residents' housing needs [1]. Group 1: Housing Purchase Regulations - The new policy allows eligible families to purchase an unlimited number of homes outside the Fifth Ring Road in Beijing, addressing the demand for improved housing options [2]. - The existing purchase limits for homes within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy up to two homes and non-Beijing residents with a minimum of three years of social insurance or tax payments allowed to buy one home [2]. Group 2: Housing Fund Support - The policy expands the scope of housing fund loans for first-time homebuyers, reclassifying certain previously recognized second homes as first homes, which can significantly reduce down payment and monthly payment amounts [3]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with additional benefits for borrowers meeting specific criteria, allowing for a potential maximum loan of 1,400,000 yuan [3]. - The minimum down payment ratio for second home loans has been standardized to 30%, regardless of location, simplifying the borrowing process [3]. Group 3: Loan Amount Adjustments - The policy increases the loan amount available per year of housing fund contribution from 100,000 to 150,000 yuan, reducing the time required to qualify for larger loans [4]. - Borrowers can now apply for housing fund loans while simultaneously withdrawing funds for down payments, streamlining the purchasing process for new homes [4].