重磅！北京发布楼市新政

Core Viewpoint - Beijing is implementing measures to stabilize the real estate market in response to the central economic work conference, with new policies effective from December 24, 2025 [1][2]. Group 1: Housing Purchase Policy Adjustments - The policy relaxes housing purchase conditions for non-Beijing residents, reducing the social security or tax payment requirement from 3 years to 2 years for purchasing homes within the Fifth Ring Road, and from 2 years to 1 year for homes outside the Fifth Ring Road [1]. - Families with two or more children are allowed to purchase additional homes, with Beijing residents permitted to buy up to 3 homes within the Fifth Ring Road, while non-Beijing families with 2 years of social security or tax payments can buy 2 homes [1]. Group 2: Housing Loan Policy Adjustments - The minimum down payment for second home purchases using public housing funds is reduced from 30% to 25% [2]. - The personal housing loan interest rate policy is adjusted, with banks no longer differentiating between first and second home loans in their pricing mechanisms [1]. Group 3: Real Estate Development Efficiency - The approval process for real estate development projects is streamlined, shifting from city-level approval to district-level filing, aimed at improving the business environment and investment efficiency [2].