北京：符合条件家庭五环外不再限制购房套数

Core Viewpoint - The article discusses the new policy issued by Beijing's housing authorities aimed at optimizing the real estate market to better meet residents' housing needs and promote a balanced living and working environment. The policy will take effect on August 9, 2025, and includes changes to housing purchase restrictions and increased support for housing provident fund loans. Group 1: Housing Purchase Policy Adjustments - Families meeting certain criteria can purchase an unlimited number of homes outside the Fifth Ring Road, which includes both new and second-hand properties. This applies to Beijing residents and non-residents who have paid social insurance or income tax in the city for over two years [2] - The purchase policy for homes within the Fifth Ring Road remains unchanged, with Beijing residents limited to two homes and non-residents limited to one home if they have paid social insurance or income tax for over three years [2] Group 2: Housing Provident Fund Support Enhancements - The policy expands the scope of first-home provident fund loans, allowing applicants with no housing in Beijing but one cleared provident fund loan nationwide to be recognized as first-time homebuyers. This change can reduce the down payment by up to 600,000 yuan and monthly payments by up to 253 yuan for a 4 million yuan home [3][4] - The maximum loan amount for second-home provident fund loans is increased from 600,000 yuan to 1 million yuan, with potential increases of up to 400,000 yuan for eligible borrowers [4][5] - The minimum down payment ratio for second-home loans is standardized to 30%, eliminating the previous distinction between properties inside and outside the Fifth Ring Road [5] - The amount that can be borrowed per year of provident fund contribution is raised from 100,000 yuan to 150,000 yuan, allowing borrowers to access loans more quickly [5] - The policy allows for the simultaneous withdrawal of provident fund for down payments while applying for loans, facilitating the purchasing process for new homes [5]