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北京发布楼市新政
Wind万得·2025-08-08 11:14

Core Viewpoint - The article discusses the new policies implemented by Beijing's housing authorities to optimize and adjust real estate regulations, effective from August 9, 2025, aimed at enhancing housing accessibility and supporting residents' housing needs [2][3][4]. Group 1: Policy Changes on Housing Purchases - Families meeting certain criteria will no longer face restrictions on the number of homes they can purchase outside the Fifth Ring Road in Beijing, promoting better living conditions and work-life balance [2]. - The existing purchase limits for families within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy up to 2 homes and non-Beijing residents with over 3 years of social insurance or income tax payments allowed to buy 1 home [2]. Group 2: Housing Fund Support Enhancements - The policy expands the scope of housing fund loans for first-time homebuyers, allowing those with a cleared loan record nationwide to be classified as first-time buyers, significantly reducing down payment requirements and monthly payments [3]. - The maximum loan amount for second homes has been increased from 600,000 to 1,000,000 yuan, with potential additional increases for borrowers meeting specific criteria, allowing for a 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 amount that can be borrowed per year of housing fund contribution has increased from 100,000 to 150,000 yuan, reducing the time required to accumulate sufficient contributions 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].