北京官宣楼市新政，事关非京籍、多子女家庭购房

Core Viewpoint - The article discusses the recent adjustments to Beijing's real estate policies aimed at optimizing housing purchase conditions for residents, particularly focusing on easing restrictions for non-local families and supporting multi-child households [1][2]. Group 1: Policy Adjustments - Non-local families can now purchase homes in Beijing with reduced social security or tax payment requirements, from 3 years to 2 years for properties within the Fifth Ring Road, and from 2 years to 1 year for properties outside [1]. - Multi-child families are allowed to purchase additional properties, with local families permitted to buy up to three homes within the Fifth Ring Road, while non-local families with two years of social security or tax payments can buy two [1]. Group 2: Housing Credit Policies - The personal housing credit policy has been optimized, allowing banks to set mortgage rates without differentiating between first and second homes, based on market conditions and individual risk assessments [1]. Group 3: Public Fund Support - The minimum down payment for second home purchases using public housing funds has been reduced from 30% to 25% [2]. - The approval process for real estate development projects has been streamlined, shifting from city-level approval to district-level filing to enhance investment efficiency [2].