中國國務(wù)院發(fā)布系列政策抑制房價過快上漲

China's State Council took steps to further restrict speculative property investments, including allowing banks to refuse additional mortgages for home buyers who already own two or more properties.

國國務(wù)院采取措施進一步抑制房地產(chǎn)市場投機。措施之一是，對于已經(jīng)有兩套或以上房產(chǎn)的買房人，銀行可以拒絕為其發(fā)放新的按揭貸款。

In an indication that Beijing is increasingly worried about runaway property prices, the State Council, the country's cabinet, said Saturday that local governments can take temporary measures to limit the number of property purchases each investor makes within a certain period.
國務(wù)院上周六表示，地方政府可以采取臨時性措施，限制每位投資者在一定時期內(nèi)的房產(chǎn)購買數(shù)量。這顯示出北京對房地產(chǎn)價格的快速上漲正越來越感到擔(dān)憂。

The steps follow moves by the Chinese central government Thursday to raise minimum down-payment levels and mortgage rates for certain home buyers, after data showed property prices in 70 of China's large and medium-sized cities rose 11.7% in March from a year earlier, the fastest pace since China began releasing the data in July 2005.
上周四，中央政府提高了部分買房人的最低首付款比例和按揭貸款利率。此前數(shù)據(jù)顯示，3月份中國70個大中城市的房價較一年前上漲了11.7%，這是中國于2005年7月開始發(fā)布這項數(shù)據(jù)以來的最大漲幅。
 

The government's notice Saturday appears aimed at encouraging local governments and banks to even more strictly control credit for speculative property transactions.
政府上周六通知的目的，似乎是要鼓勵地方政府和銀行更加嚴格地控制提供給投機性房產(chǎn)交易的信用貸款。

'Overly high housing prices and overly fast price growth has increased the difficulty for people to seek residence through markets,' the State Council said in the notice. 'It also increased financial risks, which aren't beneficial to balanced social development.'
國務(wù)院通知說：“房價過高、上漲過快，加大了居民通過市場解決住房問題的難度，增加了金融風(fēng)險，不利于經(jīng)濟社會協(xié)調(diào)發(fā)展。”
 

'Each region's governmental departments should fully realize the threat of overly fast property-price growth and seriously implement the central government's real-estate-market policy adjustments,' it said.
通知說：“各地區(qū)、各有關(guān)部門必須充分認識房價過快上漲的危害性，認真落實中央確定的房地產(chǎn)市場調(diào)控政策。”

The State Council said banks should 'greatly increase' minimum down payments and mortgage rates for those buying third homes or beyond, if a mortgage is to be issued at all, It didn't give concrete targets
國務(wù)院表示，對貸款購買第三套及以上住房的，如果要發(fā)放按揭貸款，銀行應(yīng)當“大幅度提高”其最低首付款比例和貸款利率。對此國務(wù)院沒有給出具體目標。

It also said banks should stop issuing mortgages to nonresidents who haven't paid local taxes or welfare-benefit fees for more than a year.
國務(wù)院還表示，對不能提供1年以上當?shù)丶{稅證明或社會保險繳納證明的非本地居民暫停發(fā)放購買住房貸款。
 

The State Council reiterated the rules unveiled Thursday that banks should raise the minimum down payment for second-home purchases to 50% from 40%, while requiring mortgage rates to be no less than 1.1 times benchmark rates. The State Council also set a 30% minimum down payment for purchases of first homes that are larger than 90 square meters.
國務(wù)院重申上周四公布的政策說，銀行應(yīng)當把二套房最低首付款比例從40%調(diào)高到50%，同時貸款利率不得低于基準利率的1.1倍。國務(wù)院同時還為首次購房面積超過90平方米的家庭設(shè)置了30%的最低首付款比例。

The government also reiterated that local governments should increase land supply for residential housing development and expedite construction of government-subsidized housing.
國務(wù)院還重申，地方政府應(yīng)當加大居住用地的有效供應(yīng)，同時加快保障性住房的建設(shè)。

The State Council also said the government will strictly monitor land purchases and fund raising of developers to prevent speculation on land prices.
國務(wù)院又稱，政府將嚴格監(jiān)管開發(fā)商的購地和融資，防止炒地行為。

Local governments need to file reports to the central government on audits of local developers by the end of June, the State Council said.

國務(wù)院表示，地方政府要對本地開發(fā)商進行一次檢查，檢查處理結(jié)果要在6月底之前上報國務(wù)院。