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late at night on september 30, beijing issued a notice to further optimize and adjust real estate-related policies.

in order to implement the decisions and arrangements of the party central committee and the state council, better meet residents' rigid housing needs and diversified improvement housing needs, promote the stable and healthy development of the real estate market, and promote the construction of a new real estate development model, with the consent of the municipal government, the relevant matters are hereby notified as follows :

1. implement the national policy on lowering existing mortgage interest rates and guide commercial banks to steadily and orderly reduce existing mortgage interest rates to near the new loan interest rates.

2. when households purchase their first commercial housing, the minimum down payment ratio for commercial personal housing loans will be adjusted to no less than 15%. when purchasing a second commercial house, the minimum down payment ratio for commercial personal housing loans is adjusted to no less than 20%.

3. for non-local residents who purchase commercial housing within the fifth ring road, the number of years for paying social insurance or personal income tax will be adjusted to three consecutive years or more before the date of purchase; for those purchasing commercial housing outside the fifth ring road, the number of years for paying social insurance or personal income tax will be adjusted to three consecutive years or more before the date of purchase. the number of years for personal income tax is adjusted to 2 consecutive years or more before the date of purchase.

for high-level and urgently needed talents who meet the needs of this city's economic and social development and purchase commercial housing in this city, the number of years for paying social insurance or personal income tax will be adjusted to one year or more of continuous payment before the date of purchase.

4. residential households purchasing commercial housing in tongzhou district shall follow the city’s unified policies.

5. if an adult single with a household registration in this city lives together with a minor child, the housing purchase restriction policy will be implemented as a household registered in this city.

6. for households with two or more children registered in this city to purchase commercial housing and apply for provident fund personal housing loans, the loan limit will be increased by 400,000 yuan.

7. in accordance with national work arrangements, timely cancel the standards for ordinary housing and non-ordinary housing.

8. accelerate the construction of a new model of real estate development. improve the "market + guarantee" housing supply system, promptly introduce measures to support the construction of "good houses", accelerate the transformation of urban villages, use the role of the "white list" to meet the reasonable financing needs of real estate companies, continue to prevent and resolve real estate risks, and stabilize market expectations .

this notice will be effective from october 1, 2024. if the original policy is inconsistent with this notice, this notice shall prevail.