Group 1 - The core viewpoint of the article is the introduction of new policies to optimize and adjust real estate regulations in Beijing, effective from August 9, 2025, aimed at promoting a stable and healthy real estate market while meeting residents' housing improvement needs [1][4][5] Group 2 - The new housing purchase policy allows Beijing residents and non-Beijing residents who have paid social insurance or individual income tax for at least 2 years to purchase an unlimited number of properties outside the Fifth Ring Road [1][4] - Single adults will be subject to the same housing purchase restrictions as resident families [1][4] Group 3 - The policy enhances support for housing provident fund loans, allowing applicants without housing in Beijing or those who have previously used a provident fund loan and have settled it to apply for first-home loan policies [5] - For second-home purchases using provident fund loans, the maximum loan amount is set at 1 million yuan, with a minimum down payment ratio of 30% [5] - The loan amount increases by 150,000 yuan for each year of provident fund contributions, with a minimum calculation based on one full year for those with less than a year of contributions [5]

Core Viewpoint - The recent notification from Beijing's housing authorities aims to optimize and adjust real estate policies to promote a stable and healthy market, allowing eligible families to purchase unlimited properties outside the Fifth Ring Road starting from August 9, 2025 [1][2]. Group 1: Policy Adjustments - Eligible families can purchase an unlimited number of properties outside the Fifth Ring Road, including both new and second-hand homes [2]. - The policy applies to Beijing residents and non-residents who have paid social insurance or individual income tax in Beijing for at least two years [2]. - The existing purchase limits for properties within the Fifth Ring Road remain unchanged, with Beijing residents allowed to buy two properties and non-residents with three years of tax or insurance payments allowed to buy one [2]. Group 2: Housing Fund Loan Support - The notification emphasizes increasing support for housing fund loans, allowing applicants without any housing in Beijing or any public housing loans nationwide to qualify for first-home loan policies [3]. - For second-home loans, the maximum loan amount is set at 1 million yuan, with a minimum down payment of 30% [4]. - The loan amount per year of housing fund contribution has increased 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 about 7 years [5]. Group 3: Additional Loan Benefits - The notification includes provisions for increasing loan limits for families meeting specific criteria, such as supporting green building initiatives or families with multiple children, allowing for an additional loan increase of up to 400,000 yuan [4][5]. - The minimum down payment for second-home loans has been standardized to 30%, regardless of whether the property is inside or outside the Fifth Ring Road [4].