以下文章来源于图数室 ，作者图数室 图数室 . 新浪新闻出品《图数室》栏目。 关注我们，用数据读懂热点。 本文来自微信公众号： 图数室 ，作者：图数室，题图来自：视觉中国 时隔8年，上海在一线城市之中率先对"商改住"禁令作出调整，出台《关于推进商务楼宇更新提升的 实施意见》，鼓励楼宇因地制宜拓展租赁住房等功能。 这一转变，直面当前商业楼宇市场高空置率的现实压力。数据显示，北上广深四大一线城市中，甲级 写字楼空置率均逼近或超过20%的警戒线，市场承压明显，同时，大城市的通勤难题也日益凸显。随 着一线大批商业楼宇土地使用期限将至，改变迫在眉睫。 上海新政能否看作放开"商改住"？它能否有效激活存量资产、缓解职住分离，并为超大城市治理提供 新思路？值得持续关注与期待。 "商改住"迎来破冰时刻？ 近期，上海出台了《关于推进商务楼宇更新提升的实施意见》，鼓励商务楼宇因地制宜地进行功能拓 展，包括租赁住房、养老托育、文化体育以及科技创新等领域。 此政策一出，网络疯传"上海放开商改住"，但没过几天政府网站和媒体又辟谣，表示商业改住宅系误 读，新规实际是规定"符合一定条件的商务楼宇可改为租赁住房"。 商改住长期处于监管灰色地带 ...

时隔8年，上海在一线城市之中率先对"商改住"禁令作出调整，出台《关于推进商务楼宇更新提升的实施意见》，鼓励楼宇因地制宜拓展租赁住房等功 能。 虽说是非常克制的一小步，政策导向已经相当明显，正如新华财经评价，此举意味着暂停8年之久的"商改住"在上海迎来了破冰时刻。 这一转变，直面当前商业楼宇市场高空置率的现实压力。数据显示，北上广深四大一线城市中，甲级写字楼空置率均逼近或超过20%的警戒线，市场承压 明显，同时，大城市的通勤难题也日益凸显。随着一线大批商业楼宇土地使用期限将至，改变迫在眉睫。 上海新政能否看作放开"商改住"？它能否有效激活存量资产、缓解职住分离，并为超大城市治理提供新思路？值得持续关注与期待。 2017年开始，各地重拳出击发布"商改住"禁令。 当时正值楼市高速扩张期。住房限购政策出台后，不少刚需消费者和投资客转向商业用房——因其不限购、单价低、地段优越，吸引大量个人资金涌入， 导致市场秩序混乱、价格快速上涨。 "商改住"迎来破冰时刻？ 近期，上海出台了《关于推进商务楼宇更新提升的实施意见》，鼓励商务楼宇因地制宜地进行功能拓展，包括租赁住房、养老托育、文化体育以及科技创 新等领域。 此政策一出，网 ...

Core Viewpoint - The recent policy adjustment in Beijing aims to optimize real estate regulations, particularly benefiting the housing market outside the Fifth Ring Road by lifting purchase limits and enhancing housing fund loan support [1][2][10]. Group 1: Policy Changes - The new policy allows eligible families to purchase an unlimited number of properties outside the Fifth Ring Road starting from August 9, 2023 [4][10]. - Non-Beijing residents can now buy properties outside the Fifth Ring Road after paying social insurance or income tax for at least 2 years, a reduction from the previous requirement of 5 years [10][11]. Group 2: Market Impact - Following the policy announcement, there was a noticeable increase in customer visits and transactions in several new developments outside the Fifth Ring Road, with some projects reporting a 20% to 50% increase in visitor numbers [5][6]. - Specific projects like Longfor's Guan Cui saw an average of over 110 groups visiting daily, with a 100% increase in sales compared to the previous week [5][6]. Group 3: Housing Fund Loan Adjustments - The policy includes enhancements to the housing fund loan system, allowing borrowers to access 15,000 yuan for each year of contribution, with a maximum loan of 1 million yuan for second homes [8][9]. - For families with 8 years of contributions looking to purchase a 3.6 million yuan home, the new policy could reduce their monthly payments by approximately 93 yuan, resulting in a total interest savings of 27,700 yuan over the loan period [8][9]. Group 4: Targeted Beneficiaries - The policy is expected to support families with multiple housing needs, particularly those who are relocating or upgrading their living situations, as it removes previous restrictions on purchasing multiple homes [12][13]. - The adjustments are also seen as a response to the growing demand for housing in suburban areas, where over 80% of new home sales occurred in the first half of 2023 [11][12]. Group 5: Market Stability and Future Outlook - The policy reflects a steady approach to market regulation, aiming to balance supply and demand while avoiding drastic changes that could destabilize the market [13][15]. - Analysts suggest that the adjustments are timely, given the recent cooling of the market, and they anticipate an increase in transaction activity as the effects of the policy unfold [13][15].

北京楼市又一新政落地。 8日，北京市住建委、北京住房公积金管理中心发布《关于进一步优化调整本市房地产相关政策的通 知》。最重要的内容用一句话概括，就是"符合条件的家庭五环外不再限制购房套数。" 什么样的家庭符合条件？包括北京户籍居民家庭、在北京连续缴纳社会保险或个人所得税达到相关年限 的非北京户籍居民家庭。 虽然购房套数直接放开，但购房群体仍有针对性，说明北京购房政策的优化节奏依然是"稳步走"，既精 准释放改善需求，又避免局部非理智过热。 同时，北京还推出多方面的公积金政策支持，对符合条件的缴存职工形成双重政策红利。 楼市企稳离不开政策支持。 自2024年"930"新政以来，北京时隔10个月后再次调整限购这一需求侧的限制性政策，具有现实的紧迫 性。 为什么划定在五环外？可看一组数据。 先是供给，据中原地产研究院统计，当下北京新建商品房住宅库存81.4%在五环外，二手房约50%的房 源也在五环外。 再是需求，据中指研究院监测，1-7月北京新建商品住宅销售套数，五环外占比超80%，二手住宅成交 套数五环外占比也超50%。 "政策重点是为了加速外围区域的市场去化，有利于想要在五环外购置房产的家庭，以及有多套房产进 ...

Core Viewpoint - The new policy implemented by Beijing's housing authorities allows residents to purchase an unlimited number of homes outside the Fifth Ring Road, which is expected to significantly boost the real estate market in that area starting from August 9, 2025 [1][3]. Market Reaction - The first weekend following the announcement saw a notable increase in the number of visitors to new housing projects outside the Fifth Ring Road, with one project reporting over 50 units reserved on the first day [1][2]. - Sales consultants reported a surge in customer traffic, with some projects receiving up to 300 groups of visitors in a single day [2][3]. Sales Performance - According to analysts, the increase in customer visits ranged from 40% to 200% compared to previous weekends, although actual purchase conversions increased by only 20% to 30% [3][4]. - The new policy is expected to attract more buyers to the market, particularly for new homes outside the Fifth Ring Road, leading to a potential sales peak [3][4]. Policy Implications - The removal of purchase limits for eligible families is anticipated to support market recovery and improve the balance between living and working locations [4]. - The adjustment in policies, including an increase in the maximum public housing fund loan for second homes from 600,000 to 1,000,000 yuan, is expected to alleviate financial pressure on families looking to upgrade their housing [4].

Core Insights - The new policy has significantly increased the number of visitors to new housing projects in Beijing, particularly in areas outside the Fifth Ring Road, indicating a potential sales peak in the market [1][9][10] - The policy allows families meeting certain criteria to purchase an unlimited number of properties outside the Fifth Ring Road, which is expected to stimulate demand [1][10] Market Response - Over the weekend following the policy announcement, one project reported over 50 units were reserved on the first day, with continued interest late into the night [2][4] - In a specific project in Tongzhou District, more than 70 groups visited on Sunday, showcasing a strong interest in new housing [3][6] Sales Dynamics - Sales consultants noted a clear increase in both visitor numbers and transaction volumes, with some projects experiencing up to 300 groups of visitors in a single day [7][9] - The average price for new homes in the area ranges from 6,000 to 6,300 yuan per square meter, with a significant portion of units already sold [6][10] Future Market Outlook - Analysts predict that the new policy will lead to a sales peak in the market, as the removal of purchase limits is likely to attract more buyers [9][10] - The policy is also expected to encourage developers to accelerate project construction and sales, while the second-hand housing market may see increased activity as well [9][10]

8日，北京市住建委、北京住房公积金管理中心发布《关于进一步优化调整本市房地产相关政策的通 知》。最重要的内容用一句话概括，就是"符合条件的家庭五环外不再限制购房套数。" 为什么划定在五环外？可看一组数据。 先是供给，据中原地产研究院统计，当下北京新建商品房住宅库存81.4%在五环外，二手房约50%的房 源也在五环外。 北京楼市又一新政落地。 自2024年"930"新政以来，北京时隔10个月后再次调整限购这一需求侧的限制性政策，具有现实的紧迫 性。 北京市统计局数据显示，上半年，全市新建商品房销售面积537.6万平方米，同比增长5.4%；其中住宅 销售面积352.3万平方米，下降0.8%。 门槛低了，负担轻了，需求就活了。政策的及时拉动，直接向市场传递出乐观的信号。 细看北京本次新政的锚点，还有一个表述值得关注，那就是"更好地促进职住平衡"。 再是需求，据中指研究院监测，1-7月北京新建商品住宅销售套数，五环外占比超80%，二手住宅成交 套数五环外占比也超50%。 "政策重点是为了加速外围区域的市场去化，有利于想要在五环外购置房产的家庭，以及有多套房产进 行资产配置的人群。"58安居客研究院院长张波对三里河表示 ...

Core Points - Beijing's housing policy has been significantly adjusted, allowing eligible families to purchase an unlimited number of properties outside the Fifth Ring Road starting from August 9, 2025 [1][3] - The adjustments include a relaxation of purchase restrictions and increased support for housing provident funds [3][4] Group 1: Policy Adjustments - The new policy allows Beijing residents and non-residents who have paid social insurance or individual income tax for at least 2 years to buy an unlimited number of properties outside the Fifth Ring Road [3][6] - The purchase restrictions for properties within the Fifth Ring Road remain unchanged, with Beijing residents limited to 2 properties and non-residents to 1 property if they have paid social insurance or taxes for at least 3 years [3][4] - The policy also includes provisions for single adults to follow the same purchase restrictions as families [3] Group 2: Housing Provident Fund Support - Borrowers with no housing in Beijing and no outstanding housing provident fund loans can apply for first-time housing provident fund loans [4][9] - For those using provident fund loans to purchase a second property, the maximum loan amount is set at 1 million yuan, with a minimum down payment of 30% [4] - Borrowers can obtain 150,000 yuan in loans for each year of provident fund contributions, with calculations based on the longer contribution period of married couples [4] Group 3: Market Implications - The policy aims to address the imbalance in housing supply and demand, particularly in the outer areas of Beijing, where a significant portion of new housing inventory is located [6][8] - Approximately 80% of new housing transactions are currently concentrated outside the Fifth Ring Road, indicating a potential increase in demand for these properties due to the new policy [8][9] - The adjustments are expected to stimulate market activity, encouraging developers to accelerate project construction and increase the circulation of second-hand properties [8][9]

编辑丨张伟贤 柳润瑛 8月8日晚，北京市住房和城乡建设委员会、北京住房公积金管理中心联合印发《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》），自2025年8月9日起施行。 《通知》从限购政策、公积金政策两个方面对楼市政策进行优化。其中最受关注的在于， 京 籍居民家庭、在北京市连续缴纳社会保险或个人所得税满2年及以上的非京籍居民家庭，购买 五环外商品住房不限套数。 这是时隔10个月后，北京再度对楼市政策进行大幅度优化调整，其内容和意义均值得关注。 符合条件家庭五环外不再限购 此次北京楼市政策优化，主要体现在两个方面。 记者丨 张敏 减为2年。符合北京市经济社会发展需要的高层次和急需紧缺人才购房，明确为"购房之日前 连续缴纳满1年及以上"。 此外，北京还将首套和二套房的商业性贷款最低首付比例下调，同时上浮公积金可贷款额 度。 其一是限购政策的进一步松绑。《通知》明确，符合北京市商品住房购买条件的居民家庭， 购买五环外商品住房（含新建商品住房和二手住房）不限套数。即：京籍居民家庭、在北京 市连续缴纳社会保险或个人所得税满2年及以上的非京籍居民家庭，购买五环外商品住房不限 套数。 同时， 对成年单 ...

Core Points - Beijing has optimized its real estate policies to better meet the housing improvement needs of residents, allowing families to purchase an unlimited number of properties outside the Fifth Ring Road [1] - The new policies aim to enhance the market mechanism and promote a balance between work and residence [1][4] Policy Adjustments - Families meeting the purchasing conditions can buy an unlimited number of properties outside the Fifth Ring Road, while still adhering to strict purchasing conditions [1] - Single adults are now treated as family units under the purchasing policy, with limits on the number of properties they can buy [1] - The purchasing limit for Beijing residents within the Fifth Ring Road remains at two properties, while non-residents can purchase one property if they have paid social insurance or income tax for three years [1] Housing Fund Adjustments - The criteria for recognizing first-time homebuyers have been expanded, allowing those with a cleared public housing loan record to be classified as first-time buyers [2] - The maximum loan amount for second homes has increased from 60 million to 100 million, with potential additional increases based on specific conditions [2][3] - The minimum down payment for second homes has been standardized to 30%, regardless of location [2][3] - The loan amount available per year of public fund contribution has increased from 10 million to 15 million [2][3] Urban Development and Integration - The new policies align with Beijing's overall urban planning, focusing on enhancing the livability and service capacity of areas outside the Fifth Ring Road [4] - The adjustments are seen as necessary for adapting to the new urban development framework and meeting diverse housing needs [4]