On December 14, according to the news on the official website of Beijing Municipal Commission of Housing and Urban Rural Development, in order to implement the spirit of the central economic work conference, on the basis of adhering to the positioning of "housing without speculation", according to the recent changes in the real estate market in Beijing, in combination with the implementation of the new urban master plan, on December 14, Beijing Municipal Commission of Housing and Urban Rural Development, Beijing Municipal Taxation Bureau The Beijing Branch of the People's Bank of China, the Beijing Supervision Bureau of the State Administration of Financial Supervision and the Beijing Housing Provident Fund Management Center jointly issued the Notice on Adjusting and Optimizing the City's Ordinary Housing Standards and Individual Housing Loan Policies (hereinafter referred to as the "Notice"), optimized the identification standards for ordinary housing (hereinafter referred to as ordinary housing), lowered the minimum down payment ratio of newly issued individual housing loans Extend the maximum loan term; At the same time, the self-discipline mechanism of market interest rate pricing in Beijing has also passed the self-discipline resolution to lower the lower limit of interest rate policy for new commercial personal housing loans, so as to better support the rigid and improved housing demand in Beijing.

The Notice clearly optimizes the identification standard of ordinary houses. The current standard of ordinary housing in Beijing was released in 2014, which is somewhat different from the actual situation of the market, and the public's response is relatively concentrated. In combination with market changes, this adjustment has appropriately raised the building area and price standards of ordinary houses. After adjustment, the houses with the plot ratio of the residential area of more than 1.0 (inclusive), the single building area of less than 144 square meters (inclusive), the transaction price of less than 85000 yuan/square meters (inclusive) in the 5th Ring Road, less than 65000 yuan/square meters (inclusive) in the 5th Ring Road, and less than 45000 yuan/square meters (inclusive) outside the 6th Ring Road are regarded as ordinary houses; The proportion of ordinary houses in the city will increase to about 70%, and more families will be able to enjoy the preferential policy of value-added tax on housing transfer.

The Notice proposes to reduce the minimum down payment ratio of newly issued housing loans and extend the loan term. On the basis of the unified national policy, the minimum down payment ratio of personal housing loans for the first housing in Beijing (including commercial personal housing loans, housing provident fund personal housing loans, the same below) is reduced to 30%; The minimum down payment ratio of individual housing loans for two housing units was reduced to 50% for six urban districts and 40% for six non urban districts. Lowering the minimum down payment ratio has lowered the capital threshold for residents to purchase housing, which is conducive to better meeting the demand for rigid and improved housing. At the same time, this adjustment cancels Beijing's strict control over the duration of housing loans during the period when housing prices are rising too fast, recovering from the current maximum of 25 years to 30 years.

In addition, this adjustment will also reduce the lower limit of the interest rate policy for new housing loans issued by commercial banks. This adjustment is the lower limit of interest rate policy for newly issued commercial personal housing loans, that is, the new lower limit of interest rate policy will be implemented for newly issued commercial personal housing loans from December 15. After adjustment: the lower limits of the first and second interest rate policies in the six urban districts are respectively not lower than the loan market quotation rate of the corresponding period plus 10 basis points, and not lower than the loan market quotation rate of the corresponding period plus 60 basis points; The lower limit of the first and second sets of interest rate policies in the six non urban districts is not lower than the market quoted interest rate of loans of the corresponding period, and not lower than the market quoted interest rate of loans of the corresponding period plus 55 basis points. Each bank shall reasonably determine the interest rate level of each new house loan in accordance with the lower limit of the policy determined by the self regulatory mechanism of market interest rate pricing in Beijing, the operating conditions of the institution, customer risk status and other factors, and the principle of marketization and legality.