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Beijing further optimizes housing purchase policies; eligible families face no limit on units bought outside fifth ring road

Global Times

By Global Times Published: Aug 08, 2025 09:16 PM

Beijing on Friday announced further optimization for its housing policies, with measures including that eligible families face no restrictions on the number of housing units purchased outside the fifth ring road, according to an official notice issued by responsible local authorities.

To better meet residents' housing improvement needs and promote a balance between jobs and housing, the notice specifies that families meeting the city's commodity housing purchase requirements - Beijing-registered families or non-Beijing-registered families with at least two years of continuous social insurance or personal income tax payments - will face no limits on the number of new or second-hand commodity housing units they can buy outside the fifth ring road. Single adults purchasing commodity housing in Beijing are subject to the same purchase restrictions as resident families.

The notice also expands first-home provident fund loans support. Borrowers and co-borrowers with no housing in this city but one fully repaid provident fund loan elsewhere, previously classified as a second-home buyer, are now recognized as first-home buyers. For a 4-million-yuan ($556,986) home with a 1-million-yuan, 30-year provident fund loan, this change could reduce the down payment by up to 600,000 yuan and monthly payment by up to 253 yuan.

The notice also increases support for second-home provident fund loans, raising the maximum amount from 600,000 yuan to 1 million yuan to help with housing improvement. Borrowers who meet green building or multi-child family policies can receive a loan increase of up to 400,000 yuan, with a maximum loan of 1.4 million yuan.

It also standardizes the minimum down payment for second-home provident fund loans to a uniform 30 percent, removing the previous requirement of 35 percent for properties within the fifth ring road and 30 percent outside it.

Beijing's new real estate policy, following the top meeting held on July 30, represents a significant move toward further policy easing. It primarily aims to stabilize and consolidate the market to prevent further decline, Yan Yuejin, research director at Shanghai-based E-house China R&D Institute, told the Global Times on Friday.

Yan added that the policy also underscores a focus on achieving job-housing balance, with Beijing's approach providing valuable lessons. It shows that policy reserves remain and that measures are being implemented with precision, playing a positive role in market dynamics and the healthy development of the real estate sector.

Recently, several Chinese regions have unveiled real estate plans for the second half of the year, prioritizing the stabilization of the market. On August 5, authorities in East China's Jiangsu Province stressed sustaining real estate market stabilization, advancing high-quality urban renewal, increasing the supply of quality housing, improving the effectiveness of housing voucher resettlement, and further boosting housing consumption demand, stcn.com reported on Friday.

On July 28, Huang Yuan, an official from Southwest China's Yunnan Province said at a press conference that the province's next steps will focus on promoting a balanced, structurally sound, price-stable, and healthy real estate market.