北京出台楼市新政|通知_新浪财经

9月30日，北京市发布《关于进一步优化调整本市房地产相关政策的通知》，实施降低存量房贷利率、下调个人住房贷款最低首付款比例、加大住房公积金贷款支持力度、调减非京籍家庭购房社保或个税缴纳年限、调整通州区住房限购政策、取消普通住房和非普通住房标准、加快构建房地产发展新模式等政策措施。《通知》自2024年10月1日起施行。

The Chinese capital of Beijing on Monday announced to ease restrictions on homebuying rules to boost the city's property market, including lowering the threshold on non-locals to buy real estate in the downtown area.

通知称，为贯彻落实党中央、国务院决策部署，更好满足居民刚性住房需求和多样化改善性住房需求，促进房地产市场平稳健康发展，推动构建房地产发展新模式，经市政府同意，现就有关事项通知如下：

一、落实国家关于降低存量房贷利率政策，引导商业银行稳妥有序将存量房贷利率降至新发放贷款利率附近。

二、居民家庭购买首套商品住房，商业性个人住房贷款最低首付款比例调整为不低于15%。购买二套商品住房，商业性个人住房贷款最低首付款比例调整为不低于20%。

三、非本市户籍居民家庭购买五环内商品住房的，缴纳社会保险或个人所得税的年限，调整为购房之日前连续缴纳满3年及以上；购买五环外商品住房的，缴纳社会保险或个人所得税的年限，调整为购房之日前连续缴纳满2年及以上。

According to a circular jointly issued by six municipal departments on Monday night, non-Beijing residents will be allowed to purchase homes inside the city's fifth ring road if they have a record of paying social insurance or individual income tax in the city for at least three years — down from five years as was previously required.
Under the new rules, homebuyers will face less financial pressure, as the minimum down payment ratio for individual commercial mortgages are reduced from 20 percent to 15 percent for first-home purchases, and from 30 percent to 20 percent for second homes.

符合本市经济社会发展需要的高层次和急需紧缺人才购买本市商品住房的，缴纳社会保险或个人所得税的年限，调整为购房之日前连续缴纳满1年及以上。

四、居民家庭购买通州区商品住房，按全市统一政策执行。

The new policies to take effect on Tuesday will also lift the housing purchase restrictions in Tongzhou District, where the Beijing Municipal Administrative Center is located, to allow the district's homebuying rules to comply with the city's unified property market policy.

五、本市户籍成年单身人士与未成年子女共同生活的，按本市户籍居民家庭执行住房限购政策。

六、对二孩及以上本市户籍居民家庭购买商品住房，申请公积金个人住房贷款的，可贷款额度上浮40万元。

For families with more than two children in Beijing, the amount of housing provident fund loan limit will be raised by 400,000 yuan (about 57,083 US dollars), the circular said.

七、按照国家工作部署，及时取消普通住房和非普通住房标准。

八、加快构建房地产发展新模式。完善“市场+保障”住房供应体系，抓紧出台支持“好房子”建设的举措，加快推进城中村改造，发挥“白名单”作用满足房地产企业合理的融资需求，持续防范化解房地产风险，稳定市场预期。

本通知自2024年10月1日起施行，原有政策与本通知不一致的，以本通知为准。

来源：人民日报客户端新华网