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。

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。

365地产家居网第一时间连线了杭州杰盟房地产投资管理有限公司执行长兰洪海 365 real estate JuWang first time home the attachment hangzhou jie union real estate investment management Co., LTD LanHongHai CEO

　　，他表示，央行再次降息说明了整个宏观经济走低的趋势已经是一个可以看得到的明显态势。而房地产市场在部分二、三线城市的量价回暖也是一个事实，这对于之前楼市回暖的猜测将进一步得到确定。可以说，现在绝大多数房地产企业的资金短缺压力没有得到根本解决，这个我们从上半年的土地市场上就可以看出。在上半年的土地市场上，没有出现那些我们耳熟能详的开发商。此次降息，对于他们的资金压力缓解是一个推动作用。而对于楼市，此次降息将会进一步刺激购房的放量，尤其是对刚需市场，将会起到进一步的巩固作用。

，He said，Central Banks cut interest rates again that the entire macroscopic economy falling trend is already a can see obvious trend。And real estate market in part 2、Three lines of city quantity and price is also a fact that warms up，This before reverting to market speculation will further been confirmed。Can say，Now most of the real estate enterprise capital shortage pressure didn't get solved，The us from the first half of the year on land market can be seen。In the first half of the year on the land market，Did not appear that we--and developers。fed，For their money pressure relief is a role。And for property market，The rate cuts will further stimulate the purchase tumbled，Especially for just need to market，Will have a further consolidate the role。