6月26日，北京市住房和城乡建设委员会、中国人民银行北京市分行等多部门发布《关于优化本市房地产市场平稳健康发展政策措施的通知》，明确实施调整商业性个人住房贷款最低首付款比例和利率下限，调整住房公积金个人住房贷款最低首付款比例，支持多子女家庭改善性住房需求，提高购买绿色建筑等住房的公积金贷款额度，组织开展住房“以旧换新”活动等政策措施。

在首付款比例和利率方面，购买首套住房，最低首付款比例将调整为不低于20%，贷款利率下限调整为不低于相应期限贷款市场报价利率（LPR）减45个基点，调整后5年期以上房贷利率下限目前为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

购买二套住房则按照五环内外划分，其中位于五环以内的，最低首付款比例调整为不低于35%，贷款利率下限调整为不低于相应期限贷款市场报价利率（LPR）减5个基点，调整后5年期以上房贷利率下限目前为3.9%；位于五环以外的，最低首付款比例调整为不低于30%，贷款利率下限调整为不低于相应期限贷款市场报价利率（LPR）减25个基点，调整后5年期以上房贷利率下限目前为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.

通知还提出支持多子女家庭改善性住房需求，对北京市户籍二孩及以上的多子女家庭，购买第二套住房的，在个人住房贷款中将认定为首套住房。

此外，北京还将支持使用住房公积金贷款购买二星级及以上绿色建筑、装配式建筑或超低能耗建筑，并给予上浮贷款额度支持，最高可上浮40万元。

在开展住房“以旧换新”活动方面，北京市房地产业协会、房地产中介行业协会将搭建对接平台，鼓励更多开发企业、经纪机构参与，为居民提供更加优质的服务。对居民家庭出售旧房购买新房的，房地产经纪机构优先推动旧房交易，旧房成功出售后，相关订金转为购买新房的首付款；如在一定时期内未能成功出售的，开发企业无条件退还订金。

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。