政策可能在坚持限购大原则不动摇的前提下,通过调整二套房的首付比例或贷款利率来引导合理的改善型购房需求平稳释放6月7日晚,中国人民银行向各商业银行下发特急文件,要求商业银行对个人住房贷款利率浮动区间的下限仍为基准利率的0.7倍。银监会制定的《商业银行资本管理办法(试行)》日前也正式公布,办法取消了此前征求意见稿中区别划分首套房和二套房的风险权重,明确将个人住房抵押贷款风险权重统一规定为50%。分析近期管理层释放出的各种信号和楼市现状,可以预见下半年房贷利率尤其是首套房贷利率优惠幅度有望进一步扩大。最新公布的数据表明,5月全国物价延续了逐步回落的态势,这使得央行对通胀的担忧得以减轻,存款准 Policy may insist on the premise of unshakeable purchase under the premise of the second suite by adjusting the down payment or loan interest rates to guide the rational improvement of the demand for a smooth release of housing June 7 evening, the People’s Bank of China issued an emergency document to commercial banks , Requiring commercial banks for personal housing loan interest rates floating range of the lower limit is still 0.7 times the benchmark interest rate. The Measures for the Capital Management of Commercial Banks (Trial) promulgated by China Banking Regulatory Commission (CBRC) have been officially announced a few days ago, eliminating the risk weight of distinguishing the first suite from the second suite in the previous draft, and clearly defining the risk weight of personal home mortgage loans as 50% . Analysis of the recent management released a variety of signals and the status of the property market, we can expect the second half of the mortgage interest rates, especially the first mortgage rate is expected to further expand the preferential margin. The latest data show that in May the national price continued the gradual decline in the situation, which makes the central bank to ease the concerns of inflation, the deposit is accurate