Beijing implements new real estate and housing provident fund policies

Beijing real estate policy housing provident fund home purchase restrictions mortgage transfer property market regulation

Beijing authorities have released a new set of real estate optimization policies aimed at stabilizing the property market and meeting residential housing needs.

The measures include relaxing purchase restrictions for non-local residents, reducing the required period of continuous social insurance or tax contributions for purchasing homes within the Fifth Ring to one year. Additionally, the policy eases rules regarding home gifting, stating that parents transferring property to children will not trigger a verification of the child's eligibility to purchase.

Significant updates have also been made to the housing provident fund. The maximum loan amounts have been increased: for a single contributor's first home, the limit is 1.2 million yuan, and 2.4 million yuan for couples. Loan amounts are now tied to contribution years, providing 200,000 yuan per year for individuals and 400,000 yuan per year for couples. The policy also expands the scope of "mortgage-ready transfers," allowing buyers to use provident fund loans to settle a seller's existing loans during a resale transaction.

Furthermore, residents may now withdraw provident funds for home renovations, limited to 50% of the VAT invoice amount and capped at 250,000 yuan.

Entities

All‑China Taiwan Compatriots Association · Beijing · Beijing Housing Provident Fund Management Center · Beijing Housing and Urban‑Rural Development Commission · Beijing Municipal Commission of Housing and Urban-Rural Development · Beijing Municipal Commission of Planning and Natural Resources · Beijing Municipal Housing and Urban‑Rural Development Commission · Beijing Planning and Natural Resources Commission · Beijing municipal government · People's Republic of China · Shanghai Easyhome Real Estate Research Institute · Taiwan

Claims

What the coverage asserts, and how many sources carry each claim.

[● 2 SOURCES] Residents may withdraw up to 25 million yuan from the fund for home renovation, limited to 50 % of the VAT invoice amount. www.eeo.com.cn
[● 2 SOURCES] Maximum housing‑provident‑fund loan for a single contributor first‑home is 1.2 million yuan; for couples it is 2.4 million yuan. www.eeo.com.cn
[● 2 SOURCES] Beijing announced a new housing policy that will take effect on 8 August 2026. www.eeo.com.cn
[● 2 SOURCES] Loan limits can be increased by up to 20 million yuan for purchases outside core districts, up to 40 million yuan for green‑building homes, and up to 40 million yuan for families with two or more kids www.eeo.com.cn
[● 2 SOURCES] Non‑local families can purchase a home within the Fifth Ring after one continuous year of social‑insurance or tax contributions. www.eeo.com.cn
[● 2 SOURCES] The policy allows “带押过户”, letting borrowers settle existing fund loans when buying a resale home. www.eeo.com.cn
[● 2 SOURCES] Loan amount is calculated at 20 million yuan per year of contribution for a single contributor and 40 million yuan per year for couples. www.eeo.com.cn
[● 2 SOURCES] The reforms aim to stabilise the real‑estate market and better meet residents’ reasonable housing needs. www.eeo.com.cn
[○ 1 SOURCE] Residents can apply to withdraw housing provident funds for home renovation up to 50% of the VAT invoice amount, capped at 250,000 yuan. www.eeo.com.cn
[○ 1 SOURCE] Provident fund loans for couples are calculated at 400,000 yuan per year of contribution. www.eeo.com.cn
[○ 1 SOURCE] The maximum housing provident fund loan for a single contributor purchasing a first home is 1.2 million yuan. www.eeo.com.cn
[○ 1 SOURCE] The policy supports 'mortgage-ready transfers' (daiya guohu) for existing provident fund loans in resale home transactions. www.eeo.com.cn