北京市多部门发布房地产政策调整通知，自今日起实施。[1]非京籍家庭购置五环内商品房的社保个税缴纳年限从2年降至1年。[1]
公积金政策实现重大升级。[1]单人缴存首套房贷款最高可达120万元，夫妻双缴存家庭首套基础额度达240万元，叠加各类政策后最高可达340万元。[1]北京取消了公积金贷款两次上限的限制，贷款结清后可再次申请。[1]政策允许提取公积金用于自住房屋装修，单次最高提取额度为25万元。[1]公积金首套利率为2.6%。[1]
Beijing's relevant municipal departments have announced a significant overhaul of real estate policies effective immediately [1]. The changes lower barriers to homeownership for non-Beijing residents while substantially expanding access to housing provident fund loans.
For non-Beijing household purchasers seeking to buy commercial properties within the Fifth Ring Road, the required continuous contribution period for social security and individual income tax has been reduced from two years to one year [1]. Under the revised framework, a unified requirement of one year of social security contributions now applies citywide for all home purchases [1]. Single contributors can borrow up to 1.2 million yuan for their first home purchase, while dual-earning couples with both spouses maintaining provident fund accounts have a baseline loan capacity of 2.4 million yuan for first-time purchases, which can reach as high as 3.4 million yuan when combined with various policy incentives [1]. Individual annual borrowing capacity is set at 200,000 yuan, with dual-income households permitted to access 400,000 yuan combined per year [1].
The policy framework has also eliminated the previous two-loan limit on provident fund borrowing, allowing homebuyers to apply for additional loans after settling prior obligations [1]. In a further expansion, residents are now permitted to withdraw provident funds for home renovation expenses, with a maximum single withdrawal of 250,000 yuan [1]. First-time homebuyers benefit from a provident fund interest rate of 2.6 percent [1]. These policy adjustments took effect today [1].