Core Viewpoint - Beijing has optimized its housing purchase policies to better meet the housing improvement needs of residents, allowing families that meet certain conditions to purchase an unlimited number of properties outside the Fifth Ring Road [1] Policy Adjustments - Families eligible to purchase commercial housing in Beijing can now buy an unlimited number of properties outside the Fifth Ring Road, which includes both new and second-hand housing [1] - The policy does not lift the purchase restrictions entirely; strict eligibility criteria remain in place for residents [1] - Beijing residents and non-residents who have paid social insurance or personal income tax for at least two years can purchase properties outside the Fifth Ring Road without limit [1] Loan Support Enhancements - The policy expands the scope of housing provident fund loan support for first-time homebuyers, allowing those with one cleared loan record nationwide to be recognized as first-time buyers instead of second-time buyers [1] - For example, a property priced at 4 million yuan with a loan of 1 million yuan over 30 years would see a maximum down payment reduction of 600,000 yuan and a monthly payment reduction of 253 yuan when classified as a first-time purchase [1] - The maximum loan amount for second homes has increased from 600,000 yuan to 1 million yuan, supporting the demand for improved housing [1] Changes in Down Payment and Loan Terms - The minimum down payment ratio for second home loans has been standardized to 30%, regardless of whether the property is inside or outside the Fifth Ring Road [1] - The loan amount available per year of provident fund contribution has increased from 100,000 yuan to 150,000 yuan, reducing the time required to save for a loan [1] - Borrowers can now extract provident fund for down payments while simultaneously applying for loans, facilitating the purchasing process [1] Urban Development Context - The policy aligns with Beijing's overall urban planning, focusing on the development of suburban areas like Shunyi, Daxing, and others, which are crucial for regional collaboration and modern urbanization [1] - The improvements in living and working conditions in these areas aim to attract young talent and families, enhancing public service standards and creating high-quality living spaces [1]

为促进北京市房地产市场平稳健康发展，更好满足居民改善性住房需求，有效发挥市场机制作用，坚持 首都城市战略定位，落实好城市总体规划，8月8日，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。 符合条件家庭五环外不限制购 北京城市总体规划实施以来，五环外平原新城地区宜居宜业水平和综合承载力显著提升，为了更好地满 足居民改善性住房需求，促进职住平衡，《通知》明确，符合本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、在本市连续缴纳社会保 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，《通知》明 确，对成年单身人士在本市购买商品住房的，按照居民家庭执行限购政策。 缴存年限贷款额度计算标准提高。《通知》明确，由每缴存公积金一年可贷10万元提高至可贷15万元。 借款人申请120万元贷款，由原需要缴存公积金11年零1个月，降低为缴存7年零1个月。如借款人满足适 用公积金支持建筑绿色发展、支持多子女家庭购房等政策的条件，还能享受 ...

中经记者 吴静 北京报道 8月8日，北京市有关部门出台文件，优化住房限购政策。 二是加大二套房公积金贷款支持力度。在最高贷款额度方面，政策明确，将二套房公积金贷款最高额度 由60万元提高至100万元，大力支持改善性住房需求。如借款人满足适用公积金支持建筑绿色发展、支 持多子女家庭购房等政策的条件，还能享受贷款额度上浮的政策优惠，最多上浮40万元，最高可贷款 140万元。 在最低首付款比例方面，政策明确，将二套房公积金贷款最低首付款比例，由购买五环内住房不低于 35%、购买五环外住房不低于30%，统一调整为不低于30%，不再区分五环内外。 三是提高每缴存公积金一年可贷额度。政策明确，由每缴存公积金一年可贷10万元提高至可贷15万元。 借款人申请120万元贷款，由原需要缴存公积金11年零1个月，降低为缴存7年零1个月。如借款人满足适 用公积金支持建筑绿色发展、支持多子女家庭购房等政策的条件，还能享受贷款额度上浮的政策优惠， 最多上浮40万元，首套住房最高可贷款160万元。 四是落实《北京市深化改革提振消费专项行动方案》，政策明确，支持缴存人在提取公积金支付购房首 付款的同时申请公积金贷款。目前，缴存职工购买本市新 ...