八家银行收紧北京房贷 首套最低执行基准利率

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　　自上周一起，作为给楼市降温的最新举措，8家银行取消了北京首套房贷款利率折扣。

　　The banks, including Industrial and Commercial Bank of China and China Construction Bank, also hiked mortgage rates for second-home buyers at 20% higher than the benchmark interest rate.

　　中国工商银行、中国建设银行等银行还上调了二套房贷款利率，执行基准利率上浮20%。

　　The move follows previous measures to raise housing loan interest in the capital.

　　该举措是在此前提高首都住房贷款利息的措施之后采取的。

　　A bank insider said that real estate agents were already told that more banks would tighten¹ mortgage restrictions².

　　据一名银行业内人士介绍，房地产中介已获悉更多银行将收紧房贷限制。

　　八家银行收紧北京房贷 首套最低执行基准利率

　　Data showed average discounts on mortgage rates for first-home purchases in Beijing during April was 7.3% and the average interest rate 4.54%. Among the 30 banks monitored, 18 offered a discount of 5%.

　　数据显示，4月北京首套房贷款利率平均折扣为7.3%，平均利率为4.54%。受监测的30家银行中，有18家提供5%的房贷利率折扣。

　　Data at national level also showed a clear tightening³ of discounts on mortgage rates with many banks in first-tier cities changing from 10% to 5%.

　　全国数据也显示房贷利率折扣明显收紧，一线城市中的不少银行的房贷利率折扣由10%降至5%。

　　Analyst⁴ Li Weiyi said house purchases now need more down payments and shoulder heavier loan interests that drive away property speculators.

　　分析师李唯一表示，现在购房需要更多的首付、承担更重的贷款利率，这将驱赶走房地产投机者。

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