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双赢置业营销有限公司总经理章惠芳， 365 real estate JuWang first time home buyers of hangzhou attachment win-win marketing, general manager of ZhangHuiFang，

　　她表示，再次降息说明整个宏观经济比我们之前料想的要严峻些。降息不是针对房地产，是针对整个经济层面。现在银行贷款收的紧，中小企业贷款难。而银行的这部分钱就会用在其他方面，例如购房贷款。我们可以看到，在这次降息中，贷款基准利率下降幅度大于存款基准利率的下降幅度，因此对贷款的人更加有力。如果要说对房地产市场，此次降息会起到间接的推动作用。

She says she，Cut interest rates again tell the whole macroeconomic than we expected to some serious before。Not to cut interest rates in real estate，For the whole is economic level。Now the tight bank loans，Small and medium-sized enterprise loans difficult。And the bank the money will be used in other ways，For example purchase loans。We can see，In the cut，Benchmark lending rate decline was greater than the deposit rate of decline，So the people of loans much more powerful。If say to the real estate market，The rate cuts will indirectly play a role。