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中国人民银行决定,从2005年3月17日起,调整商业银行自营性个人住房贷款政策:一是将现行的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,商业银行法人可根据具体情况自主确定利率水平和内部定价规则。二是对房地产价格上涨过快城市或地区,个人住房贷款最低首付款比例可由现行的20%提高到30%。那么,
The People’s Bank of China has decided that since March 17, 2005, the self-supporting personal housing loan policy of commercial banks should be adjusted: firstly, the prevailing home loan interest rate should be returned to the same period as the interest rate of lending; the lower limit should be put in place with the corresponding minimum interest rate corresponding Term grade loans 0.9 times the benchmark interest rate, commercial banks, according to the specific circumstances of the legal autonomy to determine the level of interest rates and internal pricing rules. Second, the rapid rise in real estate prices in cities or regions, individual housing loans minimum down payment ratio from the current 20% to 30%. Well,