365快讯 365 express

　　中国人民银行决定，自2012年7月6日起下调金融机构人民币存贷款基准利率。金融机构一年期存款基准利率下调0.25个百分点，一年期贷款基准利率下调0.31个百分点；其他各档次存贷款基准利率及个人住房公积金存贷款利率相应调整。

The people's bank of China decision，Since July 6, 2012, cut up the financial institutions benchmark interest rates。Financial institutions the 1-year benchmark deposit rate 0.25%，The benchmark one-year lending rate by 0.31%；Other each class the benchmark interest rates and individual housing accumulation fund loan rate adjusted accordingly。

　　自同日起，将金融机构贷款利率浮动区间的下限调整为基准利率的0.7倍。个人住房贷款利率浮动区间不作调整，金融机构要继续严格执行差别化的各项住房信贷政策，继续抑制投机投资性购房。 >>>快讯:年内二次降息！央行下调金融机构人民币存贷款基准利率

Since became effective，Will financial institutions loan interest rate band the lower limit of benchmark interest rate adjusted for 0.7 times。Personal housing loan interest rate floating interval is not made adjust，Financial institutions should continue to strictly carry out the policy of differentiation housing credit，Continue to restrain speculative investment the house。 >>>Flash: years second to cut interest rates！The central bank cut financial organ renminbi benchmark interest rates

365地产家居网第一时间连线了南京福舍投资顾问有限公司总经理史东 365 real estate JuWang first time home the attachment of nanjing f bits investment advisers, general manager of stone

　　，他表示

，He said

　　降息或加息，通常是一个连续性的动作，观察近3年的央行货币政策就不难发现。从目前宏观经济形势以及央行的货币调控政策来看，有可能已经进入了“降息通道”，不会是一次、两次降息，而可能是多次降息。

Cut interest rates or，Usually is a continuous movement，Nearly three years of observation of the central bank's monetary policy would not be difficult to find。From the current macroeconomic situation and the central bank's monetary control policies and see，May have entered the“Rate cuts channel”，Won't be a、Two cuts，And may be repeatedly cut。

　　对于房地产市场来说，一定会和货币政策息息相关的。采用降息的方式刺激刚需购房是大势所趋，因为加息是针对所有人的，一刀切地伤害了很多真正需要买房的刚需购房者，而降息才是真正意义上的向刚需购房者倾斜。在倾斜的同时，又没有放松对多次置业者的“限购”“限贷”政策，因此，连续两次降息，并不会促使多次置业者、投资者大批量入市，毕竟强硬的限制投机的政策并没有松动。

The real estate market for it，Will and monetary policy is closely linked。Cut interest rates by the way to stimulate just buy is the trend of The Times，Because the interest rate hikes are for all the people，To hurt a lot of real one size fits all need to buy a house just need the person that buy a house，Cut interest rates and is the real meaning to just need to tilt the person that buy a house。In the tilt at the same time，And don't relax of more of the buyers“限购”“Limit credit”policy，so，Two successive to cut interest rates，Would not force many home buyers、Investors mass market，After all the tough policy and to limit speculation no loose。

　　从房地产开发企业来看，经过这一轮严厉的调控，中小开发企业已经开始逐步退出市场，留下来的是集团化、开发面积大的大型开发企业。对实力雄厚的开发商来说，降息或加息并不会对其产生过多的影响，毕竟利息在整个房地产开发过程中所占的比例微乎其微。降息更多的是给开发企业一种“心理暗示”，国家在释放大批资金投入基础设施建设，也同时会流向房地产市场。（365地产家居网 李悦）

From real estate development enterprises，After this round of tough control，Small and medium-sized enterprise development has to be withdrawn from the market，The group is to stay、Development of large area of large development enterprises。To strength of the developers for example，Cut interest rates or will not the human to have too much influence，After all the interest in the real estate development in the process of the proportion of remote。Cut even more development enterprise a“Psychological suggestion”，The release of the large number of national capital investment infrastructure construction，Also will flow to the real estate market。（365 real estate home JuWang LiYue）