中国人民银行最近发出《关于进一步加强房地产信贷业务管理的通知》,重点支持中低收入家庭购买住房,并对一些房贷进行了政策性限制。 央行要求,为减轻借款人不必要的利息负担,商业银行只能对购买主体结构已封顶住房的个人发放个人住房贷款。对借款人申请个人住房贷款购买第一套自住住房的,首付款比例仍执行20％的规定;对购买第二 The People’s Bank of China recently issued a Circular on Further Strengthening the Administration of Real Estate Credit Business, focusing on supporting low- and middle-income families in purchasing their own houses and policy restrictions on some mortgages. The central bank demanded that, in order to reduce the borrower’s unnecessary interest burden, commercial banks may only issue individual housing loans to individuals who have purchased captive housing. For the borrower to apply for personal housing loans to buy the first set of self-occupied housing, the proportion of down payment is still implemented 20% of the provisions of the purchase of second