上海和天津再次加碼 新一輪樓市調控潮或來襲

Starting from last Tuesday first-time home buyers in Shanghai have to pay down payments of at least 35%, buyers of second houses have to make 50% down payments, while buyers of commercial properties pay 70%.

自上週二起，上海居民購買首套住房的首付比例爲至少35%，第二套房的首付比例爲50%，商業地產的首付比例爲70%。

Meanwhile, banks have raised interest rates by 10% for home buyers borrowing from the government's Housing Provident Fund for a second time, with the maximum sum lowered by 100,000 yuan.

對於第二次使用住房公積金貸款的購房者，銀行將貸款利率上調10%，最高貸款額調低10萬元。

Banks are also required to seriously check papers submitted by home buyers to guard against fabrication for speculative purposes. Home buyers will not be able to borrow if their monthly mortgage payment exceeds 40 percent of their salaries.

此外，銀行還被要求要認真檢查置業者所提交的文件，以防止投機用途的產生。如果購房者每月的抵押貸款支付超過了工資的40%，那麼他們將無法借到貸款。

Tianjin said last Monday that it'll implement diversified credit policies to cool a red-hot property market. For first-time home buyers the minimum down payment on a mortgage will be 30%, versus 20% earlier.

天津市則於上週一宣佈，將實行差別化信貸政策給火熱的房地產市場降溫。首次購房者的首付比例從之前的20%上調至30%。

Those who already own a house and have unpaid mortgages must make at least a 40% down payment when applying for commercial loans for second home.

在已有一套住房並有未還清貸款的情況下，購買第二套房並申請商業貸款的首付比例爲至少40%。

For non-local residents who plan to buy their first house in Tianjin's six major districts and Wuqing district, the minimum down payment on a mortgage will be 40%.

外地居民在天津六個主城區以及武清區購買首套住房的最低首付比例爲40%。