资料图 21世纪经济报道记者李莎 北京报道 12月24日，北京出台楼市新政，成为全国住房城乡建设工作会议召 开后首个优化房地产政策的一线城市，新政自2025年12月24日起施行。 限购政策的优化是其中的一大重点。一方面，放宽非京籍家庭的购房条件。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"。 另一方面，对二孩及以上的多子女家庭，支持其在五环内增购一套住房。这意味着京籍多子女家庭可在 五环内购买3套商品住房；非京籍多子女家庭在京连续2年缴纳社保或个税的，可在五环内购买2套商品 住房。 北京此次新政也加大了公积金对居民购房的支持力度，降低使用公积金贷款购买二套房的最低首付比 例，从不低于30%调整为不低于25%。 商贷政策也进一步优化，在利率定价机制安排方面不再区分首套住房和二套住房。 在受访专家看来，此次北京房地产政策优化，将有助于更好释放非京籍家庭和多子女家庭的购房潜力， 有效降低部分家庭的购房成本。新政在年底落地，不仅能助力岁末北京楼市保持稳定成交势头，也为预 热明年楼市奠定基础。同时，这也表明各地政策仍有优化空间 ...

Core Insights - The recent policy changes in Shenzhen have significantly lowered the barriers for non-local residents to purchase property, enhancing their willingness to invest in the Shenzhen real estate market [4][5][6] Group 1: Policy Impact - The new real estate policy introduced on September 5 focuses on optimizing purchase restrictions and unifying loan interest rates for first and second homes, which has positively influenced external residents' confidence in buying property in Shenzhen [4][5] - The event featured a dedicated area for policy interpretation and financial services, providing a one-stop consultation for non-local residents regarding home buying and loan processing [4][5] Group 2: Event Highlights - The "Vibrant Shenzhen, Livable Future" property exhibition showcased 58 quality projects from 18 major real estate companies, including China Resources Land and China Overseas Land & Investment, highlighting Shenzhen's residential quality and development standards [5][6] - The event attracted over 10,000 visitors, with 3,347 registering their interest and 376 groups expressing intent to purchase, indicating strong market engagement [3][5] Group 3: Project Features - Projects from the Luohu and Longhua districts gained significant attention due to their advantageous locations and comprehensive facilities, appealing to high-net-worth individuals from Northeast China [6] - The exhibition included diverse property types such as high-end residences, business apartments, and vacation properties, catering to various investment and lifestyle needs [5][6] Group 4: Digital Engagement - The event integrated modern technology with traditional cultural elements, featuring live streaming and online policy discussions, which attracted over 120,000 viewers and increased the visibility of Shenzhen's real estate projects [9] - Shenzhen plans to enhance its digital platforms to support a comprehensive, one-stop service for prospective buyers, covering all aspects from viewing to financing [9]