北京最新发布：符合条件家庭在北京市五环外不再限制购房套数

Core Viewpoint - Beijing's new housing policy aims to optimize housing purchase restrictions and enhance housing provident fund support, particularly benefiting families with separated households and improving overall housing affordability [1][2][3]. Group 1: Housing Purchase Policy Adjustments - The new policy allows eligible families to purchase an unlimited number of properties outside the Fifth Ring Road in Beijing, effective from August 9 [3]. - The existing purchase limits for properties within the Fifth Ring Road remain unchanged, with local residents allowed to buy up to two properties and non-local residents with three years of social insurance or tax payments allowed to buy one [3][6]. - The policy aims to guide demand towards the outer areas of Beijing, optimizing market inventory structure while maintaining basic purchase eligibility criteria [6][7]. Group 2: Housing Provident Fund Support Enhancements - The policy expands the scope of first-home provident fund loans, allowing borrowers with a cleared loan record nationwide to be recognized as first-time buyers, potentially reducing down payment by up to 600,000 yuan and monthly payments by 253 yuan [3][4]. - The maximum loan limit for second-home provident fund loans is increased from 600,000 yuan to 1,000,000 yuan, with additional benefits for families meeting specific criteria [4]. - The annual loan limit per year of provident fund contribution is raised from 100,000 yuan to 150,000 yuan, significantly reducing the time required for borrowers to qualify for loans [4]. - The policy allows for simultaneous withdrawal of provident fund for down payments while applying for loans, easing the financial burden on first-time buyers [4][7]. Group 3: Market Impact and Trends - The new policy is expected to sustain the positive market trends observed in the first half of the year, with a notable increase in second-hand and new home transactions [8]. - The housing market has shown signs of stabilization, with second-hand home transactions increasing by 18.4% and new home sales by 24.4% year-on-year [8].