八家銀行收緊北京房貸 首套最低執行基準利率
Eight banks have eliminated discounts on mortgage rates for first-home buyers in Beijing, effective from last Monday, amid new efforts to cool down the real estate market.
自上週一起，作爲給樓市降溫的最新舉措，8家銀行取消了北京首套房貸款利率折扣。The banks, including Industrial and Commercial Bank of China and China Construction Bank, also hiked mortgage rates for second-home buyers at 20% higher than the benchmark interest rate.
中國工商銀行、中國建設銀行等銀行還上調了二套房貸款利率，執行基準利率上浮20%。The move follows previous measures to raise housing loan interest in the capital.
該舉措是在此前提高首都住房貸款利息的措施之後採取的。
A bank insider said that real estate agents were already told that more banks would tighten mortgage restrictions.
據一名銀行業內人士介紹，房地產中介已獲悉更多銀行將收緊房貸限制。
Data showed average discounts on mortgage rates for first-home purchases in Beijing during April was 7.3% and the average interest rate 4.54%. Among the 30 banks monitored, 18 offered a discount of 5%.
數據顯示，4月北京首套房貸款利率平均折扣爲7.3%，平均利率爲4.54%。受監測的30家銀行中，有18家提供5%的房貸利率折扣。Data at national level also showed a clear tightening of discounts on mortgage rates with many banks in first-tier cities changing from 10% to 5%.
全國數據也顯示房貸利率折扣明顯收緊，一線城市中的不少銀行的房貸利率折扣由10%降至5%。Analyst Li Weiyi said house purchases now need more down payments and shoulder heavier loan interests that drive away property speculators.
分析師李唯一表示，現在購房需要更多的首付、承擔更重的貸款利率，這將驅趕走房地產投機者。
