Core Viewpoint - The Beijing Municipal Housing and Urban-Rural Development Committee and the Beijing Housing Provident Fund Management Center issued a notification to optimize and adjust real estate policies, effective from August 9, 2025, allowing more flexibility in housing purchases for eligible residents [1] Group 1: Housing Purchase Policies - The notification optimizes housing purchase restrictions, allowing eligible residents (including local and certain non-local families) to purchase an unlimited number of properties outside the Fifth Ring Road [1] - Single adults are subject to the same purchase restrictions as resident families when buying properties [2] Group 2: Housing Provident Fund Support - The notification expands the scope of first-home provident fund loans, reclassifying certain borrowers with previous loan records from second-home to first-home status, potentially reducing down payments by up to 600,000 yuan and monthly payments by 253 yuan for a 4 million yuan property [3] - The maximum loan amount for second-home provident fund loans is increased from 600,000 yuan to 1 million yuan, with additional loan increases available under specific conditions, allowing for a maximum loan of 1.4 million yuan [3] - The minimum down payment ratio for second-home loans is standardized to 30%, regardless of location within or outside the Fifth Ring Road [3] Group 3: Loan Application Process - The notification increases the loan amount available per year of provident fund contribution from 100,000 yuan to 150,000 yuan, reducing the required contribution period for a 1.2 million yuan loan from over 11 years to just over 7 years [4] - Borrowers can now withdraw provident fund for down payments while simultaneously applying for loans, streamlining the purchasing process for new homes [4]

出品｜搜狐财经 作者｜王泽红 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8月9日起施行。 《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。 居民家庭购买五环内商品住房的政策不变，京籍居民家庭五环内限购2套，在本市连续缴纳社会保险或个人所 得税满3年及以上的非京籍居民家庭五环内限购1套。 此外，《通知》从四方面加大了住房公积金支持力度： 四是落实《北京市深化改革提振消费专项行动方案》，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建住房且已签订购房合同的，可通过提供网签合同编号提取住房公积金 支付购房首付款，同时申请公积金贷款。 一是扩大首套房公积金贷款支持范围，对借款申请人（含共同申请人，下同）在本市无住房但全国范围内有1 ...

Core Viewpoint - The recent notification from Beijing's housing authorities aims to optimize and adjust real estate policies, particularly focusing on the purchasing conditions for residential properties in the city, effective from August 9, 2025 [1] Policy Adjustments - Residents meeting the criteria can purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [1] - The maximum loan amount for housing provident fund contributions has increased from 100,000 yuan to 150,000 yuan for each year of contribution, and the maximum loan for a second home has risen from 600,000 yuan to 1,000,000 yuan [1] - The minimum down payment for a second home has been standardized to no less than 30%, eliminating the distinction between properties inside and outside the Fifth Ring Road [1] Eligibility Criteria - Beijing residents and non-Beijing residents who have paid social insurance or individual income tax for at least two years are eligible to purchase unlimited properties outside the Fifth Ring Road [1] - Single adults purchasing properties in the city will be subject to the same purchasing restrictions as family units [1] Existing Policies - The purchasing policies for properties within the Fifth Ring Road remain unchanged, with Beijing residents limited to two properties and non-Beijing residents with three years of social insurance or tax payments limited to one property [1]