Beijing Eases Home Purchase Rules, Raises Maximum Loan to 3.4 Million Yuan
Macro
Beijing began enforcing new measures to stimulate the real estate market starting August 8, 2026, by relaxing home purchase restrictions for non-local families and increasing housing provident fund loan limits. Non-local families wishing to buy a home within the Fifth Ring Road area can now use proof of social insurance or personal income tax payments for just one year, down from two years. Meanwhile, the maximum loan amount for couples where both spouses contribute to the fund has been raised to 2.4 million yuan for a first home and 2 million yuan for a second home. Additionally, eligible buyers—such as those with household registration in the six central urban districts who choose to buy in suburban areas, those with two or more children, or those purchasing homes meeting green building standards—can receive an extra maximum of 1 million yuan, bringing the total possible loan to 3.4 million yuan for a first home and 3 million yuan for a second home. The measures also allow local families contributing to the fund to apply for a new fund loan when purchasing an additional home, provided they own no home or only one home and have fully repaid any previous fund loan.
