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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。

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房地产开发建设促进会秘书长张辉，他表示 365 real estate JuWang first time home the attachment of nanjing real estate development construction promotion association secretary-general merchant tc，He said

　　继6月8日央行降息后，7月6日央行再次降息，时间之短是市场没有想到的。面对目前整体经济数据的持续下滑，央行意在阻止这样的下降趋势，从而稳定经济增长。同时，此次降息存贷款利率降幅并不对称，可以看出中央刺激企业投资的决心，在经济不景气的情况下，行业内都不愿意增强投资，整个市场投资下滑明显，此次贷款利率的下降将有效遏制这样的下滑趋势。

Following the June 8, after the central bank cut interest rates，On 6 July, the central bank cut interest rates again，Time is short of the market didn't think。In face of the overall economic data continued to slide，The central bank to prevent such a decline，And stable economic growth。At the same time，The interest rate cut interest rates drop is not symmetrical，Can see the central stimulate enterprise investment determination，In the circumstance of economic recession，Within the industry are not willing to increase investment，The whole market investments decline significantly，The loan interest rates down will effectively such a slowdown。

　　而对于楼市来说，对开发商和购房者心理层面的刺激还是比较明显。近期，南京楼市回暖幅度比较大，此次的降息将进一步强化消费者和开发商的预期。

And for for property market，The developers and the person that buy a house psychological stimulation or more apparent。recent，Nanjing property market warms up range is larger，The rate cut will further strengthen consumers and developers expected。

　　此外，近期不断的降准和降息也将会对楼市产生较大的实际影响，一方面，开发商的贷款难度降低，他们会加强投资，不少开发商可能会就此拿地；购房者按揭贷款也将得到实实在在的优惠，尤其对刚需来说，之前还在犹豫的购房者可能就会就此出手。

In addition，Recent constantly drop must and to cut interest rates will also have great about the housing of the real effects，On the one hand，Developers loans difficulty reduced，They will strengthen the investment，Many developers may take on land；The person that buy a house mortgage loans will also get real benefits，Especially for just need it，Before still hesitating buyers may be on the moves。

　　下半年楼市来临，7、8月作为传统淡季，可能相比6月份会稍有回落，但后期9、10月份可能会在政策利好的助推下，有一波大的回暖。（365地产家居网 张明钊）

The second half coming property market，7、As a traditional August off-season，May in June dropped a slight compared，But later 9、October may in the policy of the good helped，A big wave of buoyancy。（365 real estate home JuWang ZhangMingZhao）