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　　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。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。就此事，365编辑第一时间采访了鑫苑置业总经理马红科女士，她表示，“随着6月8日起，2012年年内首度降息，我国就进入降息通道，因此此次的降息也是在意料之中的，而在下半年或将还有二、三次的降息。”

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。Since became effective，Will financial institutions loan interest rate band the lower limit of benchmark interest rate adjusted for 0.7 times。the，365 the first time editor interviewed xin estates, general manager of real estate MaGong lady，She says she，“As June 8 st，In 2012, the first year cut interest rates，Our country will cut into the channel，So the rate cut is also expected，And in the second half or will have two、The cut interest rates three times。”

　　而对于降息的原因，马总表示，“我国正处于内忧外患之中。外患为，欧美外债的影响挺大的，而内忧为，我国GDP仍然需要稳增长，因此第二次降息在这么短的时间内来临也是意料之中的。”

And for the cause of the cut interest rates，MaZong said，“Our country is in the dangerous。Trouble for，Europe and the influence of external debt's pretty big，And for their，Our country still need steady growth in GDP，So cut interest rates for the second time in such a short period of time to come is also expected。”

　　对于楼市的影响，马总表示，“降息尽管和宏观经济有着极大的关系，但是对于房地产的影响却是不容忽视的。因为这对于房地产的推动还是比较大的。随着降息的来临，购房者的置业成本明显降低，购房者的购房信心明显增强，因此对于刚需或是刚改人群都是一个利好。“

For the influence of the property market，MaZong said，“Although and macro economy cut interest rates has a great relationship，But for the influence of the real estate is not allow to ignore。Because of the push for real estate or larger。With the coming of the cut interest rates，The person that buy a house of home buyers cost is decreased obviously，The person that buy a house purchase of confidence is obviously increased，So for just need to change or just the crowd is a positive news。“

　　此外，马总还建议购房者，该出手时就出手，现在已经是购买最佳时机。（HOUSE365 沈佩）

In addition，MaZong also suggested that the person that buy a house，The moves when it's necessary to make moves，Now is the best time to buy。（HOUSE365 ShenPei）