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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 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, including both new and second-hand homes [5][10]. - 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 a minimum of three years of social insurance or income tax payments allowed to buy one [5][10]. Group 2: Housing Provident Fund Support Enhancements - The policy expands the scope of first-home provident fund loans, allowing applicants with one cleared loan record nationwide to be classified as first-time buyers, potentially reducing down payment by up to 600,000 yuan and monthly payments by up to 253 yuan [7]. - 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, allowing for a total loan of up to 1,400,000 yuan [7]. - The annual loan limit per year of provident fund contribution is raised from 100,000 yuan to 150,000 yuan, reducing the required contribution period for a 1,200,000 yuan loan from over 11 years to about 7 years [8]. - The policy allows for simultaneous withdrawal of provident fund for down payments while applying for loans, easing the financial burden on homebuyers [8]. Group 3: Market Impact and Trends - The new policy is expected to support the ongoing positive trend in the housing market, with a significant increase in transactions observed in the first half of the year, including an 18.4% increase in second-hand home registrations and a 24.4% increase in new home sales [12]. - The adjustments are seen as necessary due to the shift in housing demand from rigid needs to more diverse improvement needs, particularly benefiting families with separated households [10][11].