建言梗要1.全国部分地区试行将个人住房贷款首付比例由20%～30%提高到40%～50%;2.购买多套住房用于投资及投机的买家,原则上应不给予按揭,或首付比例提高到70%以上;3.研究制定实施对购买多套房屋的“累进”首付比例制度,实施以家庭为单位实名制购房;4.制订时间表,逐步提高商品 Advice stems 1. In some parts of the country try out the personal home loan down payment ratio increased from 20% to 30% to 40% to 50%; 2. Buying more housing for investment and speculative buyers, in principle, should not be given a mortgage , Or down payment ratio increased to 70% or more; 3 study and formulate the implementation of the purchase of multiple units of the “progressive” down payment ratio system, the implementation of the family as a unit of real estate purchase system; 4 to develop a timetable, and gradually improve the commodity