首套房貸利率下限下調(diào)

In a joint statement on Sunday, the People's Bank of China, the central bank, and the China Banking and Insurance Regulatory Commission said that based on the corresponding tenor of benchmark loan prime rates, or LPRs, first-time home buyers can receive home loan interest rates that are 20 basis points below the lower limit, from commercial banks. Interest rates for second-home purchases will remain unchanged.

5月15日，人民銀行、銀保監(jiān)會(huì)發(fā)布相關(guān)通知，調(diào)整差別化住房信貸政策。對(duì)于貸款購(gòu)買普通自住房的居民家庭，首套住房商業(yè)性個(gè)人住房貸款利率下限調(diào)整為不低于相應(yīng)期限貸款市場(chǎng)報(bào)價(jià)利率減20個(gè)基點(diǎn)，二套住房商業(yè)性個(gè)人住房貸款利率政策下限按現(xiàn)行規(guī)定執(zhí)行。

The decision is aimed at supporting firm and rational demand for housing and promoting the stable and healthy development of the real estate market, the statement said. To uphold the principle of "housing is for living in, not speculation" and fully establish a long-term mechanism for the smooth functioning of the real estate sector, cities will adopt measures in accordance with their distinctive local property industry conditions, it said.
通知指出，此舉旨在堅(jiān)持房子是用來住的、不是用來炒的定位，全面落實(shí)房地產(chǎn)長(zhǎng)效機(jī)制，支持各地從當(dāng)?shù)貙?shí)際出發(fā)完善房地產(chǎn)政策，支持剛性和改善性住房需求，促進(jìn)房地產(chǎn)市場(chǎng)平穩(wěn)健康發(fā)展。