北京网贷协会全面清理首付贷类业务

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日前，我国主要城市开始取缔首付贷，以控制逐渐回暖的房地产市场的金融风险。

Beijing P2P Association asked its members, mostly online funding platforms, to stop issuing down-payment loans to home buyers and instead turn their attention to outstanding loans, according to an online document released on last Tuesday.

根据北京市网贷行业协会上周二发布的文件称，要求协会会员--主要是互联网融资平台，停止对购房者的首付贷业务，将注意力转向未偿贷款。

The association will begin a special examination on the practice, the document said.

该文件指出，协会将组织开展首付贷专项检查。

北京网贷协会全面清理首付贷类业务

The statement follows similar moves in other cities, including the metropolises¹ of Shanghai, Guangzhou and Shenzhen, after the central authorities put illegal home loans under scrutiny².

在中央将非法房贷纳入监管后，包括上海、广州和深圳等在内的一线城市已经采取了类似的整治举措。

China's property market has shown signs of warming as central and local governments relaxed restrictions³ to resolve a property glut⁴, however, this had the converse⁵ effect of prompting an unexpected wave of buying, with many even borrowing for down payments.

随着中央和地方政府放宽限制以解决房地产过剩的情况，中国的房地产市场目前已经有回暖的迹象。不过，这也起到了反作用，引发了意想不到的抢购风潮，许多人甚至需要借钱来支付首付。

Despite stringent⁶ controls, down-payment "loans in disguise" were still available from some lenders as the property market remained in an upward streak⁷.

尽管有严格的控制，但是由于房地产市场一直处于上升的趋势，所以一些贷款机构仍在提供首付贷业务。

Analysts⁸ advised the government to strengthen its monitoring and supervising efforts and stay alert of similar activities that make use of legal loopholes.

相关分析人士建议，政府应加强监督监测工作，并对利用法律漏洞进行类似活动保持警觉。

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