3月17日,中国人民银行调整了商业银行自营性个人住房贷款政策,不再实行优惠利率,实行下限管理。有效遏制房地产过热的办法是组建两个市场:一个是开放式的房地产市场,作为一个投资性市场而存在、再构筑一个封闭型的消费型房地产市场,这一市场产品价格低且只贬值不增值,让经济实力较弱的买得起,实现城镇居民住房的社会和谐。 On March 17, the People’s Bank of China adjusted the self-employed personal housing loan policy of commercial banks, ceased to implement preferential rates and imposed minimum management. Effective way to curb real estate overheating is to set up two markets: one is an open real estate market, as an investment market exists, and then build a closed consumer real estate market, the market price of the product is low and only depreciation does not increase , So that the economic strength of the weaker affordable to achieve urban residents housing social harmony.