北京调整住房限购政策

Core Viewpoint - The article discusses the new policies implemented by Beijing's housing authorities aimed at optimizing and adjusting real estate regulations to better meet the housing needs of residents, effective from December 24, 2025 [1][2][3]. Group 1: Housing Purchase Policy Adjustments - The policy relaxes home purchase conditions for non-Beijing residents, reducing the social security or tax payment duration required for purchasing properties within the Fifth Ring from 3 years to 2 years, and for properties outside the Fifth Ring from 2 years to 1 year [1]. - Families with two or more children are allowed to purchase additional properties, with Beijing residents permitted to buy up to three homes within the Fifth Ring, while non-Beijing families with two years of social security or tax payments can buy two homes [1]. Group 2: Housing Loan Policy Changes - The minimum down payment for second home purchases using public housing funds is reduced from 30% to 25% [2]. - Financial institutions are instructed to no longer differentiate between first and second home loans in their interest rate pricing, allowing for a more flexible approach based on market conditions and individual risk assessments [1]. Group 3: Real Estate Development Process Optimization - The policy aims to enhance the business environment and improve investment efficiency in real estate by changing the project approval process from city-level to district-level registration for land acquisition [3].