【英语生活】中国降低二套房房贷首付比例 China lowers 2nd home deposits to boost market

China's central bank is continuing its campaign to bolster the nation's property market, which is experiencing a downturn that has dented demand for commodities and weighed on global growth forecasts.

In what is best described as an incremental move in an ongoing project, the People's Bank of China said it would lower the down payments people with an existing mortgage pay on their second home loan to 40 per cent from 50 per cent.

This, the PBoC said in a statement (link in Chinese) was:“One step further to improve credit policy for individual householders.”

The PBoC added it wanted to "support households" in their home purchases.

China's flagging property market comes after a multi-year boom that has ended as the government and central bank tried to remove some credit risk from the highly leveraged economy.

The new rules on second home loans will be welcomed by Chinese developers, who have been forced to sacrifice profits to boost sales, as the downturn in the housing market saddles them with bulging inventories and limited access to new funding.

中国央行(PBoC)继续推行措施，提振中国房地产市场前景。目前，中国房地产市场正处于低迷状态，不仅压低了中国对大宗商品的需求，还压低了全球的增长预期。

中国央行表示，拥有1套住房且相应购房贷款未结清的人，购买第二套房时贷款的首付比例从50%下调至40%。对于该行这一动作，最佳的描述应该是整套计划中渐进性的一步。

该行在声明中表示，这一举措是“为进一步完善个人住房信贷政策”。

此外，该行还补充表示，希望“支持居民家庭”购买普通自住房。

在中国政府和央行试图消除高度杠杆化经济中的部分信贷风险之际，中国的房地产市场在多年的繁荣之后一蹶不振。

有关二套房房贷的新规定将受到中国房地产开发商的欢迎。此前，楼市低迷曾令他们库存日渐膨胀，获得资金的途径日益受限。受其影响，他们曾被迫让利促销。

译者/简易