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?????? 面對(duì)高燒不退的樓市，中央政府使出猛藥“退燒”。國(guó)務(wù)院4月17日出臺(tái)《關(guān)于堅(jiān)決遏制部分城市房?jī)r(jià)過(guò)快上漲的通知》后，多家股份制銀行已于昨日（4月21日）出臺(tái)房貸（mortgage loans）新政實(shí)施細(xì)則，并正式開始執(zhí)行。目前來(lái)看，對(duì)于第二套房貸，銀行普遍按五成首付（down payment）和利率（interest rate）上浮10%的標(biāo)準(zhǔn)執(zhí)行；對(duì)于三套以上的房貸，則從嚴(yán)對(duì)待，表示原則上不發(fā)放貸款（to issue loans）。業(yè)內(nèi)人士表示，銀行停辦第三套房貸，將沉重打擊投資性購(gòu)房（investment-based home purchases）需求。
?????? 請(qǐng)看中國(guó)日?qǐng)?bào)及新華社的報(bào)道：
The focus on developers' sales tactics follows curbs on loans for third-home purchases, increased down payment requirements and higher mortgage rates announced in the past week.
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On April 17, the State Council required banks to stop loans to third-home purchases and suspend lending to buyers who can't provide tax returns or proof of social security contributions in the related city for at least one year.
Local governments can limit the number of units that can be bought, while senior officials will be held responsible for failing to stabilize property prices, the statement said.
—— Excerpt from Gov't to punish property price manipulation
Commercial banks can refuse to issue loans to buyers of their third home in areas suffering from excess property price rise, said the State Council, or the Cabinet, on Saturday.
To curb speculation, banks can also halt loans to those who can't provide materials to prove they had lived and paid taxes and social insurances for at least one year in cities where they intended to buy houses, according to a statement on the central government's website.
—— Excerpt from Banks may halt lending to third-home buyers
（來(lái)源：中國(guó)網(wǎng)學(xué)英語(yǔ)頻道） |
