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中国人民银行决定从今年3月17日起调整商业银行自营性个人住房信贷政策和超额准备金利率。其主要内容有：一是将现行的个人住房贷款优惠利率回归到同期贷款利率水平，实行下限管理，下限利率水平为相应期限档次贷款基准利率的0.9倍。二是对房地产价格上涨过快的城市或地区。个人住房贷款最低首付款比例可由现行的20％提高到30％；同时下调金融机构
The People’s Bank of China decided to adjust the self-operated personal housing credit policy of commercial banks and the excess reserve rate from March 17 this year. The main contents are: First, the current personal housing loan interest rates return to the same period the loan interest rates, the implementation of the lower limit of management, the minimum interest rate level corresponding to the benchmark grade loans 0.9 times. Second, the rapid rise in real estate prices in cities or regions. The minimum down payment for individual housing loans can be increased from the current 20% to 30%; meanwhile, the financial institutions