利率是中央银行调控宏观经济的重要工具,经常被用来调控房地产市场。经济学理论认为,提高利率是遏制房价上涨的有效措施。本文采用新建住宅价格指数和贷款基准利率,通过VAR模型理论,分别进行ADF单位根检验、建立VAR模型、AR根检验、脉冲响应函数和方差分解分析,分析了基准贷款利率对西安市房地产市场的影响效率。 Interest rates are an important tool for the Central Bank to regulate the macroeconomy and are often used to regulate the real estate market. Economic theory believes that raising interest rates is an effective measure to curb housing prices. In this paper, ADR unit root test, VAR model, AR root test, impulse response function and analysis of variance are used to analyze the impact of benchmark lending rate on the real estate market in Xi’an by using the new housing price index and loan benchmark interest rate. Affect efficiency.