Beijing: Non-Beijing households now need to pay social security or income tax for only one year to be eligible to purchase property

To all relevant units:

In order to better meet residents' reasonable housing needs and stabilize the real estate market, the following notice is issued to further optimize and adjust related real estate policies:

1. Optimization of housing purchase restrictions

For non-local resident families purchasing commercial housing within the Fifth Ring Road, the required period of social insurance or personal income tax payments in this city has been adjusted to at least 1 consecutive year prior to the purchase date.

2. Improvement of housing gifting policies

When parents gift commercial housing registered under the family's name in this city to their children, the children's home purchase qualifications will not be verified.

3. Strengthen the support of the housing provident fund

(1) Appropriately increase the maximum loan limits for housing provident fund. For families with one provident fund contributor, the maximum loan limit for purchasing the first home is 1.2 million yuan, and 1 million yuan for the second home; for couples both contributing, the maximum loan limit for the first home is 2.4 million yuan, and 2 million yuan for the second home. For those meeting the following conditions, the maximum loan limit can be further increased:

1. For resident families with local household registration in the six urban districts, when buying a first home outside the six urban districts, the limit can be increased by up to 200 thousand yuan;

2. If the purchased house meets the city’s green construction development support policy, the limit can be increased by up to 400 thousand yuan;

3. For local families with two or more children purchasing a home, the limit can be increased by 400 thousand yuan.

If multiple conditions are met, the increases in loan limits can be added together. For families with one provident fund contributor, the maximum total increase is 600 thousand yuan; for couples both contributing, the maximum total increase is 1 million yuan. The actual loan amount will be determined according to the repayment capacity of the purchasing family.

(2) Optimize the mechanism linking provident fund loan limits to contribution years. For families with one contributor, each year of provident fund contributions allows a loan of 200 thousand yuan; for couples both contributing, each year allows a loan of 400 thousand yuan, and the calculation is based on the longer contribution period between the two spouses. If the contribution period is less than a whole year, it is calculated as one year.

(3) For local families with no housing or only one home and whose provident fund loans have already been settled, they can apply for another provident fund loan when purchasing a home again.

(4) Expand the scope of "transfer with mortgage" for existing homes, supporting provident fund loans for such transfers. During existing home transactions, after buyer and seller reach agreement, the buyer may apply for a housing provident fund loan (including combined provident fund loans) to pay off the seller’s outstanding original provident fund loan (including combined provident fund loans) for the house being sold, and apply for real estate registration procedures according to the "transfer with mortgage" process.

(5) Resident families can use VAT invoices for home renovation and decoration issued by enterprises with the relevant construction and decoration contracting qualification to apply for provident fund withdrawals for renovation of their owner-occupied homes in the city. The withdrawal limit shall not exceed 50% of the VAT invoice amount, and a maximum of 250 thousand yuan. To reapply for renovation withdrawal for the same property, at least 10 years must have passed since the previous withdrawal.

This notice shall come into effect on the day following its issuance. In the event of discrepancies between previous policies and this notice, this notice shall prevail.

Beijing Municipal Commission of Housing and Urban-Rural Development

Beijing Municipal Commission of Planning and Natural Resources

Beijing Housing Provident Fund Management Center

August 7, 2026