《通知》明确，进一步优化个人住房信贷政策，银行业金融机构根据北京地区市场利率定价自律机制要 求和本机构经营状况、客户风险状况等因素，在利率定价机制安排方面不再区分首套住房和二套住房， 合理确定每笔商业性个人住房贷款的具体利率水平。关于住房贷款相关业务，可向经办银行具体咨询。 《通知》明确，加大公积金支持住房消费力度，调整二套住房公积金贷款最低首付比例，对借款申请人 （含共同申请人）使用公积金个人住房贷款购买二套住房的，最低首付款比例由不低于30%调整为不低 于25%。 《通知》还提出，为进一步优化营商环境，提升房地产投资效率，调整招拍挂拿地的房地产开发项目立 项方式，由市区分级核准调整为区级备案。 （来源：劳动午报） 转自：劳动午报 本报讯 （记者 盛丽）近日，市住房城乡建设委、市发展改革委、人民银行北京市分行、北京住房公积 金管理中心等4部门联合印发《关于进一步优化调整本市房地产相关政策的通知》（以下简称《通 知》）。 《通知》明确，为更好满足居民刚性住房需求和多样化改善性住房需求，进一步优化调整住房限购政 策。一是放宽非京籍家庭购房条件。将非京籍家庭购买五环内商品住房的社保或个税缴纳年限，由现行 的"3年 ...

● 本报记者 董添 为贯彻落实中央经济工作会议精神，着力稳定房地产市场，12月24日，北京市住房城乡建设委、北京市 发展改革委、人民银行北京市分行、北京住房公积金管理中心等4部门联合印发《关于进一步优化调整 本市房地产相关政策的通知》，放宽非京籍家庭购房条件，同时支持多子女家庭住房需求。 通知提出，为更好满足居民刚性住房需求和多样化改善性住房需求，进一步优化调整住房限购政策。一 是放宽非京籍家庭购房条件。将非京籍家庭购买五环内商品住房的社保或个税缴纳年限，由现行的"3 年"调减为"2年"；购买五环外商品住房的，由现行的"2年"调减为"1年"。二是支持多子女家庭住房需 求。二孩及以上的多子女家庭，可在五环内多购买一套商品住房，即：京籍多子女家庭，可在五环内购 买3套商品住房；在京连续2年缴纳社保或个税的非京籍多子女家庭，可在五环内购买2套商品住房。 通知明确，进一步优化个人住房信贷政策，银行业金融机构根据北京地区市场利率定价自律机制要求和 本机构经营状况、客户风险状况等因素，在利率定价机制安排方面不再区分首套住房和二套住房，合理 确定每笔商业性个人住房贷款的具体利率水平。通知还提出，加大公积金支持住房消费力度， ...

《通知》明确，加大公积金支持住房消费力度，调整二套住房公积金贷款最低首付比例，对借款申请人 （含共同申请人）使用公积金个人住房贷款购买二套住房的，最低首付款比例由不低于30%调整为不低 于25%。 《通知》同时提出支持多子女家庭住房需求。二孩及以上的多子女家庭，可在五环内多购买一套商品住 房，即：京籍多子女家庭，可在五环内购买3套商品住房；在京连续2年缴纳社保或个税的非京籍多子女 家庭，可在五环内购买2套商品住房。 《通知》明确，进一步优化个人住房信贷政策，银行业金融机构根据北京地区市场利率定价自律机制要 求和本机构经营状况、客户风险状况等因素，在利率定价机制安排方面不再区分首套住房和二套住房， 合理确定每笔商业性个人住房贷款的具体利率水平。关于住房贷款相关业务，可向经办银行具体咨询。 北京市住房城乡建设委、市发展改革委、人民银行北京市分行、北京住房公积金管理中心4部门24日联 合印发《关于进一步优化调整本市房地产相关政策的通知》（以下简称《通知》），进一步优化调整住 房限购政策，更好满足居民刚性住房需求和多样化改善性住房需求。 根据《通知》，非京籍家庭购房条件进一步放宽。非京籍家庭购买五环内商品住房的社保或 ...

Core Viewpoint - Beijing has announced adjustments to its housing purchase policies to better meet the housing needs of residents, effective December 24, 2025 [1] Group 1: Policy Adjustments - The social insurance or individual income tax payment period for non-Beijing households to purchase housing within the Fifth Ring has been reduced from 3 years to 2 years, and for housing outside the Fifth Ring from 2 years to 1 year [3][4] - Families with two or more children can purchase an additional property within the Fifth Ring, allowing Beijing households to buy up to 3 properties and non-Beijing households with 2 years of social insurance or tax payments to buy up to 2 properties [3][4] Group 2: Financial Support Measures - Financial institutions will no longer differentiate between first and second home loans in their interest rate pricing, allowing for more flexible loan terms based on market conditions and individual risk assessments [3][4] - The minimum down payment for second home purchases using public housing funds has been lowered from 30% to 25% [3][5] Group 3: Regulatory Changes - The approval process for real estate development projects will shift from city-level to district-level registration to optimize the business environment [5]

新华社北京12月24日电（记者郭宇靖）为贯彻落实中央经济工作会议精神，着力稳定房地产市场，12月 24日，北京市住房城乡建设委、北京市发展改革委、人民银行北京市分行、北京住房公积金管理中心等 4部门联合印发《关于进一步优化调整本市房地产相关政策的通知》，放宽非京籍家庭购房条件，同时 支持多子女家庭住房需求。通知提出，为更好满足居民刚性住房需求和多样化改善性住房需求，进一步 优化调整住房限购政策。一是放宽非京籍家庭购房条件。将非京籍家庭购买五环内商品住房的社保或个 税缴纳年限，由现行的"3年"调减为"2年"；购买五环外商品住房的，由现行的"2年"调减为"1年"。二是 支持多子女家庭住房需求。二孩及以上的多子女家庭，可在五环内多购买一套商品住房，即：京籍多子 女家庭，可在五环内购买3套商品住房；在京连续2年缴纳社保或个税的非京籍多子女家庭，可在五环内 购买2套商品住房。通知明确，进一步优化个人住房信贷政策，银行业金融机构根据北京地区市场利率 定价自律机制要求和本机构经营状况、客户风险状况等因素，在利率定价机制安排方面不再区分首套住 房和二套住房，合理确定每笔商业性个人住房贷款的具体利率水平。通知还提出，加大公积金 ...

Group 1 - The core viewpoint of the news is that Beijing is optimizing and adjusting its real estate policies to better meet the housing needs of residents, effective from December 24, 2025 [1][2] Group 2 - The policy relaxes home purchase conditions for non-Beijing residents, reducing the social security or tax payment requirement 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 supported, allowing Beijing residents with two or more children to purchase an additional property within the Fifth Ring Road, while non-Beijing multi-child families can buy two properties under certain conditions [1] - The personal housing credit policy is optimized, with banks no longer differentiating between first and second home loans in their interest rate pricing mechanisms [1] Group 3 - The minimum down payment for second home purchases using public housing funds is reduced from 30% to 25% [2] - The approval process for real estate development projects is adjusted from city-level approval to district-level filing, aimed at improving the business environment and investment efficiency [2]

Group 1: Policy Adjustments for Residential Housing Purchases - The policy allows eligible residents, including local and non-local families with certain conditions, to purchase an unlimited number of residential properties in specific districts such as Luohu, Bao'an (excluding Xin'an Street), Longgang, Longhua, Pingshan, and Guangming [1] - In core areas like Futian, Nanshan, and Bao'an (Xin'an Street), local families are limited to two properties, while non-local families can purchase one [1] - Non-local families without proof of social insurance or income tax payments for at least one year can buy up to two properties in designated non-core areas but are restricted from purchasing in core areas [1] - There will be no qualification review for purchasing properties in Yantian and Dapeng New Districts, and single adults will be treated as families under the purchasing policy [1] Group 2: Policy Adjustments for Enterprises - Enterprises can purchase residential properties within the city to meet employee housing needs, with specific conditions for core areas like Futian, Nanshan, and Bao'an (Xin'an Street) [2] - In core areas, enterprises must have been established for at least one year, paid a total of 1 million RMB in taxes, and have at least 10 employees to qualify for property purchases [2] - In other areas, enterprises face no such restrictions and do not need to undergo qualification reviews [2] Group 3: Personal Housing Credit Policy Adjustments - The policy optimizes personal housing loan terms by eliminating the distinction between first and second home loan interest rates, allowing banks to set rates based on market conditions and individual risk profiles [3] Group 4: Market Impact and Expert Insights - The policy is expected to stimulate the housing market, particularly in areas with high enterprise presence like Longhua, Longgang, and Guangming, thereby enhancing transaction activity [8] - The adjustments align with broader national efforts to stabilize the real estate market and are anticipated to boost market confidence during the traditional peak sales period of "Golden September and Silver October" [9] - Compared to other major cities, Shenzhen's policy is more lenient, allowing for greater flexibility in property purchases, which may serve as a model for similar policies in other regions [7]

Core Viewpoint - The recent notification from Shanghai's housing authorities aims to optimize and adjust real estate policies, including easing housing purchase restrictions and enhancing housing provident fund loan limits, effective from August 26, 2025 [1][2][3]. Group 1: Housing Purchase Policies - Eligible residents can purchase an unlimited number of homes outside the outer ring road, with specific conditions for both local and non-local residents [1][3]. - Local residents and single adults can buy unlimited homes outside the outer ring, while there is a limit of two homes within the inner ring [1]. - Non-local residents can buy unlimited homes outside the outer ring if they have paid social insurance or income tax in Shanghai for at least one year, and are limited to one home within the inner ring if they have paid for three years [1]. Group 2: Housing Provident Fund Policies - The maximum loan limit for first-time homebuyers has increased from 1.6 million yuan to 1.84 million yuan, with additional increases for families with multiple children [2]. - The second home loan limit has been raised from 1.3 million yuan to 1.495 million yuan [2]. - The policy allows for the withdrawal of housing provident fund to pay for the down payment of newly built homes, and does not affect the calculation of loan limits [2]. Group 3: Tax Policies - Non-local residents purchasing their first home will be exempt from property tax, while the second and subsequent homes will have a tax exemption based on a per capita area of 60 square meters [3]. - This tax policy will take effect from January 1, 2025, benefiting eligible buyers [3]. Group 4: Market Impact - The policy changes are expected to stimulate housing demand by broadening purchase eligibility and reducing costs associated with home buying [3]. - The integration of green building initiatives with housing provident fund loans is aimed at promoting better housing products in the market [3].

Group 1 - The core viewpoint of the news is the optimization and adjustment of Shanghai's real estate policies to enhance housing purchase accessibility and reduce costs for residents [1][2][3] Group 2 - The new policy allows eligible residents to purchase an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring road for local residents [1] - Non-local residents can also purchase unlimited homes outside the outer ring road if they have paid social insurance or income tax in Shanghai for at least one year [1] - The policy includes provisions for single adults to be treated similarly to family units regarding housing purchase limits [1] Group 3 - The housing provident fund loan limits have been increased, with the maximum loan for first-time buyers rising from 1.6 million to 1.84 million yuan, and for families with multiple children from 1.92 million to 2.16 million yuan [2] - The second home loan limit has been raised from 1.3 million to 1.495 million yuan [2] - The policy allows for the withdrawal of housing provident funds to pay for down payments, and does not affect the calculation of loan limits [2] Group 4 - The personal housing credit policy has been optimized to reduce interest burdens, with no differentiation between first and second homes in loan interest rate pricing [3] - Property tax exemptions are provided for eligible non-local residents purchasing their first home, with a deduction of 60 square meters for second homes based on total family housing area [3] - The policy aims to support housing demand from multiple angles, including new purchase qualifications and reduced costs for buyers [3]

Core Viewpoint - The Shanghai government has announced a series of policy adjustments aimed at optimizing the real estate market, including reducing housing purchase restrictions, enhancing housing provident fund policies, adjusting personal housing loan interest rates, and improving property tax regulations. These measures are set to take effect on August 26, 2025, and are designed to stimulate housing demand and support market stability. Group 1: Housing Purchase Restrictions - The new policy allows eligible residents to purchase an unlimited number of homes outside the outer ring road, while limiting purchases to two homes within the inner ring for local residents. Non-local residents can also buy without limits outside the outer ring if they have paid social insurance or income tax for at least one year [1][2]. Group 2: Housing Provident Fund Policy - The policy increases the maximum loan amount for housing provident funds, with first-time buyers eligible for up to 1.84 million yuan, and families with multiple children eligible for up to 2.16 million yuan. The second home loan limit is raised to 1.495 million yuan. Additionally, the policy allows for the withdrawal of provident funds for down payments without affecting loan limits [3]. Group 3: Personal Housing Loan Interest Rates - The new regulations eliminate the distinction between first and second home loan interest rates, allowing banks to set rates based on market conditions and individual borrower profiles. This change is expected to reduce monthly payments for second home buyers significantly [4][6]. Group 4: Property Tax Policy - The policy introduces a temporary exemption from property tax for non-local residents purchasing their first home, while providing a tax deduction of 60 square meters for second homes. This aims to lower the holding costs for buyers and encourage market participation [5][7]. Group 5: Market Impact and Expectations - Analysts suggest that these comprehensive measures will alleviate market anxiety and stimulate demand across various buyer segments. The policy is expected to enhance the purchasing power of buyers, particularly in the outer ring areas, and may lead to a reduction in inventory levels [5][8]. The timing of the policy rollout is seen as strategic, coinciding with the traditional peak sales season in September and October, which could further boost market activity [8].