八家銀行收緊北京房貸 首套最低執(zhí)行基準(zhǔn)利率

Eight banks have eliminated discounts on mortgage rates for first-home buyers in Beijing, effective from last Monday, amid new efforts to cool down the real estate market.

自上周一起，作為給樓市降溫的最新舉措，8家銀行取消了北京首套房貸款利率折扣。

The banks, including Industrial and Commercial Bank of China and China Construction Bank, also hiked mortgage rates for second-home buyers at 20% higher than the benchmark interest rate.

中國(guó)工商銀行、中國(guó)建設(shè)銀行等銀行還上調(diào)了二套房貸款利率，執(zhí)行基準(zhǔn)利率上浮20%。

The move follows previous measures to raise housing loan interest in the capital.

該舉措是在此前提高首都住房貸款利息的措施之后采取的。

A bank insider said that real estate agents were already told that more banks would tighten mortgage restrictions.

據(jù)一名銀行業(yè)內(nèi)人士介紹，房地產(chǎn)中介已獲悉更多銀行將收緊房貸限制。

Data showed average discounts on mortgage rates for first-home purchases in Beijing during April was 7.3% and the average interest rate 4.54%. Among the 30 banks monitored, 18 offered a discount of 5%.

數(shù)據(jù)顯示，4月北京首套房貸款利率平均折扣為7.3%，平均利率為4.54%。受監(jiān)測(cè)的30家銀行中，有18家提供5%的房貸利率折扣。

Data at national level also showed a clear tightening of discounts on mortgage rates with many banks in first-tier cities changing from 10% to 5%.

全國(guó)數(shù)據(jù)也顯示房貸利率折扣明顯收緊，一線城市中的不少銀行的房貸利率折扣由10%降至5%。

Analyst Li Weiyi said house purchases now need more down payments and shoulder heavier loan interests that drive away property speculators.

分析師李唯一表示，現(xiàn)在購(gòu)房需要更多的首付、承擔(dān)更重的貸款利率，這將驅(qū)趕走房地產(chǎn)投機(jī)者。