首套房贷利率下限下调

In a joint statement on Sunday, the People's Bank of China, the central bank, and the China Banking and Insurance Regulatory Commission said that based on the corresponding tenor of benchmark loan prime rates, or LPRs, first-time home buyers can receive home loan interest rates that are 20 basis points below the lower limit, from commercial banks. Interest rates for second-home purchases will remain unchanged.

5月15日，人民银行、银保监会发布相关通知，调整差别化住房信贷政策。对于贷款购买普通自住房的居民家庭，首套住房商业性个人住房贷款利率下限调整为不低于相应期限贷款市场报价利率减20个基点，二套住房商业性个人住房贷款利率政策下限按现行规定执行。

The decision is aimed at supporting firm and rational demand for housing and promoting the stable and healthy development of the real estate market, the statement said. To uphold the principle of "housing is for living in, not speculation" and fully establish a long-term mechanism for the smooth functioning of the real estate sector, cities will adopt measures in accordance with their distinctive local property industry conditions, it said.
通知指出，此举旨在坚持房子是用来住的、不是用来炒的定位，全面落实房地产长效机制，支持各地从当地实际出发完善房地产政策，支持刚性和改善性住房需求，促进房地产市场平稳健康发展。