北京網貸協會全面清理首付貸類業務

Major cities in China have begun to clamp down on loans for home purchase deposits to contain financing risks in a warming property market.

日前，我國主要城市開始取締首付貸，以控制逐漸回暖的房地產市場的金融風險。

Beijing P2P Association asked its members, mostly online funding platforms, to stop issuing down-payment loans to home buyers and instead turn their attention to outstanding loans, according to an online document released on last Tuesday.

根據北京市網貸行業協會上週二發佈的文件稱，要求協會會員--主要是互聯網融資平臺，停止對購房者的首付貸業務，將注意力轉向未償貸款。

The association will begin a special examination on the practice, the document said.

該文件指出，協會將組織開展首付貸專項檢查。

The statement follows similar moves in other cities, including the metropolises of Shanghai, Guangzhou and Shenzhen, after the central authorities put illegal home loans under scrutiny.

在中央將非法房貸納入監管後，包括上海、廣州和深圳等在內的一線城市已經採取了類似的整治舉措。

China's property market has shown signs of warming as central and local governments relaxed restrictions to resolve a property glut, however, this had the converse effect of prompting an unexpected wave of buying, with many even borrowing for down payments.

隨着中央和地方政府放寬限制以解決房地產過剩的情況，中國的房地產市場目前已經有回暖的跡象。不過，這也起到了反作用，引發了意想不到的搶購風潮，許多人甚至需要借錢來支付首付。

Despite stringent controls, down-payment "loans in disguise" were still available from some lenders as the property market remained in an upward streak.

儘管有嚴格的控制，但是由於房地產市場一直處於上升的趨勢，所以一些貸款機構仍在提供首付貸業務。

Analysts advised the government to strengthen its monitoring and supervising efforts and stay alert of similar activities that make use of legal loopholes.

相關分析人士建議，政府應加強監督監測工作，並對利用法律漏洞進行類似活動保持警覺。