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目前所有的调控政策其实都没有触动房地产涨价的真正主角的利益:地方政府、开发商与投机客。面对愈来愈疯狂的房价高涨,中央又出重拳,“对购买首套自住房且套型建筑面积在90平方米以上的家庭,贷款首付款比例不得低于30%;对贷款购买第二套住房的家庭,贷款首付款比例不得低于50%,贷款利率不得低于基准利率的1.1倍;对贷款购买第三套及以上住房的,大幅度提高首付款比例和利率水平。”但对此政策效力如何,还有待观望,毕竟房价高涨的主要原因是地方政府对土地财政的严重依赖以及大批的投机者。
At present, all the control policies actually do not touch the real protagonist’s interest in real estate price hikes: local government, developers and speculators. The face of more and more crazy house prices, the Central issued a heavy punch, "to buy the first set of self-housing and dwelling size construction area of 90 square meters or more families, the proportion of loans down payment should not be less than 30%; loan purchase The second set of housing families, the proportion of loans down payment shall not be less than 50%, the loan interest rate of not less than 1.1 times the benchmark interest rate; loans to buy the third set and above housing, a substantial increase in the proportion of down payment and interest rates. However, the effectiveness of this policy remains to be seen, after all, the main reason for rising house prices is the local government’s heavy dependence on land finance and a large number of speculators.