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author: guo peng

before the national day holiday, beijing’s new property market policies were finally introduced. on the evening of september 30, after guangzhou, shenzhen, and shanghai released new policies for the property market, the beijing municipal housing and urban-rural development commission and other departments issued the "notice on further optimizing and adjusting the city's real estate-related policies" (hereinafter referred to as the "new deal").

image source: tu chong creative

according to the new policy, when residents purchase their first commercial housing, the minimum down payment ratio for commercial personal housing loans is 15%, and the minimum down payment ratio for their second commercial housing is 20%. before the adjustment, the minimum down payment ratio for a first home was 20%, the minimum down payment ratio for a second home within the fifth ring road was 35%, and the minimum down payment ratio for a second home outside the fifth ring road was 30%.

in addition, the new policy also lowers the social security years requirement for non-beijing residents to purchase houses and lowers the qualification threshold for home purchases: the number of years for non-beijing residents who purchase commercial housing within the fifth ring road to pay social insurance or personal income tax is adjusted to three consecutive years before the date of purchase and and above; for those who purchase commercial housing outside the fifth ring road, the number of years for paying social insurance or personal income tax will be adjusted to 2 consecutive years or more before the date of purchase.

the new deal also states that for high-level and urgently needed talents who meet the needs of the city's economic and social development to purchase commercial housing in the 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.

before the new deal adjustment, the conditions for non-beijing households to purchase a house were that they had no house in beijing and had paid social security or personal tax in beijing for five consecutive years.

at the same time, the new deal will cancel tongzhou’s special home purchase policy. according to the new policy, households purchasing commercial housing in tongzhou district shall follow the city’s unified policies.

the new deal abolished the threshold for purchasing houses in tongzhou. before the issuance of the new deal, tongzhou’s house purchase policy was that families who were qualified to purchase houses in this city and met one of the following conditions could purchase a set of commercial housing in tongzhou district: families with registered residence in this city who did not own a house in this city; families registered in tongzhou district who own one house; households registered in this city that already own one house in this city and have labor relations with enterprises registered or operated in tongzhou district, party and government agencies, enterprises and institutions that have been relocated to tongzhou district residential families; non-registered resident families who do not own a house in this city and have labor relations with enterprises registered or operated in tongzhou district or enterprises and institutions that have been relocated to tongzhou district.

at the same time, the new policy also includes that for adult singles with household registration in this city who live together with minor children, the housing purchase restriction policy will be implemented according to the household registration of this city; for households with two children or above who purchase commercial housing, they can apply for provident fund personal housing loans. , the loan limit will be increased by 400,000 yuan; in accordance with national work arrangements, the standards for ordinary housing and non-ordinary housing will be canceled in a timely manner; and the construction of a new model of real estate development will be accelerated. the new policy will come into effect on october 1.

in this regard, yan yuejin, deputy director of shanghai yiju real estate research institute, said that the introduction of beijing's new policy further demonstrated that various localities have fully utilized the autonomy of local government regulation and control, and also deeply implemented the work orientation of "stopping decline and stabilizing". for the market boost in the fourth quarter has played a positive role.

manager liu of maitian real estate in the huilongguan area outside beijing's fifth ring road told a reporter from times weekly that after the policy was released, the number of customers asking him about home purchases increased significantly. according to his statistics, after the new policy was released on the evening of september 30, the number of clients who consulted with him reached 26, "about five times more than usual."

manager liu predicts that this national day holiday will be even busier. "previously, the market was in a downturn, and customers who just needed it were worried that house prices would continue to fall after buying, so most customers were waiting and watching. but it's different now. various favorable policies have been introduced. according to my observation, this can make customers who just need it strengthen their confidence in buying a house." liu the manager said.