6月26日，北京市住房和城鄉建設委員會、中國人民銀行北京市分行等多部門釋出《關於最佳化本市房地產市場平穩健康發展政策措施的通知》，明確實施調整商業性個人住房貸款最低首付款比例和利率下限，調整住房公積金個人住房貸款最低首付款比例，支援多子女家庭改善性住房需求，提高購買綠色建築等住房的公積金貸款額度，組織開展住房“以舊換新”活動等政策措施。
在首付款比例和利率方面，購買首套住房，最低首付款比例將調整為不低於20%，貸款利率下限調整為不低於相應期限貸款市場報價利率（LPR）減45個基點，調整後5年期以上房貸利率下限目前為3.5%。
Beijing on Wednesday announced a slew of measures, including lowered minimum downpayment ratios and mortgage interest rates, in its latest move to boost its property market. These new measures will be in effect from Thursday.The minimum downpayment ratio for individual commercial mortgages for homes has been lowered from 30 percent to 20 percent for first-home purchases, according to a circular released by several bodies, including the Beijing Municipal Commission of Housing and Urban-Rural Development and the Beijing municipal branch of the People's Bank of China.downpayment n. 分期付款的定金
購買二套住房則按照五環內外劃分，其中位於五環以內的，最低首付款比例調整為不低於35%，貸款利率下限調整為不低於相應期限貸款市場報價利率（LPR）減5個基點，調整後5年期以上房貸利率下限目前為3.9%；位於五環以外的，最低首付款比例調整為不低於30%，貸款利率下限調整為不低於相應期限貸款市場報價利率（LPR）減25個基點，調整後5年期以上房貸利率下限目前為3.7%。
For second-home purchases, the minimum downpayment has been lowered to 35 percent if the property is located within Beijing's fifth ring road, and 30 percent if located outside the road.The lower limits for home loan interest rates have also been decreased, based on the tenor of the benchmark loan prime rate (LPR), according to the circular.
通知還提出支援多子女家庭改善性住房需求，對北京市戶籍二孩及以上的多子女家庭，購買第二套住房的，在個人住房貸款中將認定為首套住房。
此外，北京還將支援使用住房公積金貸款購買二星級及以上綠色建築、裝配式建築或超低能耗建築，並給予上浮貸款額度支援，最高可上浮40萬元。
在開展住房“以舊換新”活動方面，北京市房地產業協會、房地產中介行業協會將搭建對接平臺，鼓勵更多開發企業、經紀機構參與，為居民提供更加優質的服務。對居民家庭出售舊房購買新房的，房地產經紀機構優先推動舊房交易，舊房成功出售後，相關訂金轉為購買新房的首付款；如在一定時期內未能成功出售的，開發企業無條件退還訂金。
It said that to support the housing demand of families with more than one child, second homes purchased by families with a Beijing hukou (residence permit) and two or more children will be deemed first homes in terms of loan policy.The Chinese capital is also encouraging real estate developers and agents to support home trade-ins, allowing residents to swap their current homes for new ones more easily, the circular said.This is the second batch of measures that Beijing has announced in the last two months to optimize the city's housing policies.
上述政策自2024年6月27日起施行。
編輯：李雪晴
來源：新華社
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