中国经济网编者按： China cew has been editor's note：

　　央行再次降息的消息传开，一时之间，暖风熏得楼市醉，很多公众开始担心楼市又要开始疯起来，回顾过去，恐慌性购房往往出于羊群效应和内心恐慌。这次，楼市又能疯多久？

Central Banks cut interest rates again the news spread，Between a，Warm wind fumes drunk property market，Many public housing market began to worry about and began to get mad，Looking back on the past，Panic buys a house for herding effect and inner often panic。the，Housing market and how long can mad？

　　

楼市回暖 购买狂潮再现 Panic buying property market warms up again

　　

购房成本再度降低 楼市成交或回暖 Purchase cost reduce property market clinch a deal or warms up again

　　央行一个月之内两次降息进一步降低了购房者的购房成本。连续两次降息可能加深业界对楼市已“筑底回暖”的认识。出于“抄底”的心态，购房者入市的积极性可能进一步提高，从而继续对楼市的成交量形成支撑。

Within a month the central bank cut interest rates further reduce two times the purchase cost of the person that buy a house。Continuous two cuts may deepen about the housing industry already“Warmed up the”Understanding of。from“Copy the”mentality，The person that buy a house to the entries enthusiasm may further improve，Thus, the volume of the housing market continues to support form。

　　以刚性需求为主的购房群体成为本次降息的直接受益者。据链家地产市场研究部测算，按照100万元的贷款总额、20年的还款期限计算，首套房贷利率如果执行基准利率，则降息前的月供款为7633元，降息后为7485元，减少了148元，总利息减少35568元。如果算上上一次降息的影响，两次降息将使购房者的月供款累计减少298元。

Rigid demands to purchase of the people become the direct beneficiaries of lower interest rates。According to the real estate market research department estimates chain home，According to 1 million yuan of total loans、20 years of reimbursement term calculation，The first set of mortgage rates if executive benchmark rates，Cut interest rates for the month before the money for 7633 yuan，After the cut interest rates for 7485 yuan，Reduce the 148 yuan，Total 35568 yuan less interest。If you include the influence of the last cut interest rates，Two cuts will make the person that buy a house for the month of accumulative total reduce 298 yuan。

　　如果首套房贷利率执行基准利率的8.5折，则两次降息将使月供款累计减少243元。如果是购买二套房，房贷利率执行基准利率的1.1倍，则两次降息将使购房者的月供款累计减少364元。链家地产市场研究部分析师陈雪认为，对于广大刚性和改善型需求的购房者而言，降息的累加利好正在逐渐加深，购房成本持续降低。详细

If the first set of mortgage rates perform the benchmark interest rate of 8.5，The two times will cut interest rates on contributions to reduce cumulative 243 yuan。If is the purchase of two suites，Mortgage rates perform the benchmark interest rate 1.1 times，The two cuts will make the person that buy a house for the month of accumulative total reduce 364 yuan。House property market research analysts chain ChenXue think，For the rigid and improve the type of the person that buy a house in demand，The rate cut is gradually accumulate the positive，Purchase sustained cost reduction。detailed

　　

恐慌性购买再现 二手房上演抢房戏码 Panic buying reproduce secondhand the room on rob room mesmerizing

　　随着成交量的复苏，二手房（指二手住宅，以下同）市场又开始上演一出出抢房戏码。害怕错过买房时机的购房者，开始急切地寻找房源，这使得二手房业主坐地起价。市场真的到了这种明显的转折点吗？

With the recovery of the volume，Secondhand the room（Secondhand residence refers to，With the）Market and started playing the room out a mesmerizing。The fear of missing out on the timing of the person that buy a house to buy a house，Began eagerly looking for homes，This makes the secondhand the room owner swapping。The market really come to this obvious turning point？

　　买房人大量出动寻找房源、业主提高报价，已成为一个普遍现象。21世纪不动产盖全(北京)房地产经纪有限公司经理刘晓东表示，从6月初以来，看房人的数量开始翻番，而业主报价上涨幅度高的能达到10%。“我认为现在出现的二手房涨价，是一个虚涨。”伟业我爱我家(博客,微博)集团副总裁胡景晖表示，现在出现的情况，有一些政策的累积效应存在，包括降息、减税以及房价回落等，但也有一些人是害怕，看到政府进行经济刺激，认为调控要放松，房价要反弹，是一种恐慌性的需求。详细

Yet borrowers out of looking for homes、Owner raised its offer，Has become a common phenomenon。21 real estate all cover(Beijing)Real estate brokers Co., LTD. Chinese manager said，Since early June from，The number of people who start checking double，And the owner of the high price rises to 10%。“I think now it appears the secondhand the room price increases，Is a virtual up。”Cause I love my family(blog,Micro bo)Group vice President HuJingHui said，Now it appears，There are some policy cumulative effects exist，Including cut interest rates、Tax cuts and house prices will fall，But some people are afraid，See the government to stimulate the economy，Think regulation to relax，House prices to rebound，Is a panic demand。detailed

　　

那些房价又要“疯”的城市 Those prices and want to“crazy”city

　　6月份以来，多数一二线城市新建商品住宅成交量再创近17个月新高。伴随着成交量自3月以来持续稳步回升，价格也开始出现上涨，全国百城房价平均价格为8688元/平方米，环比5月上涨0.05%，结束自2011年9月以来的连续9个月环比下跌态势，楼市显现回暖迹象。

Since June，Most a second city new volume of commodity residential house in 17 months hit new highs。With volume steadily since march upwards，The price also begins to appear to rise，The national average price for stores in house prices 8688 yuan/square metre，November 5 month rose 0.05%，End since September 2011 nine consecutive drop y/y trend，Property market warms up signs appeared。

　　北京：2012年6月上旬，北京商品住宅网签量比5月上旬增长10.3%，比去年同期增长30.5%，均价小幅上涨2%;样本楼盘平均价格为22930元/平米，环比涨2.29%，同比上涨0.2%，是十大城市中唯一同比上涨的城市，涨幅居“百城价格指数”第二;二手住宅价格指数环比上涨0.26%。

Beijing：In June 2012 a，Beijing commodity house nets sign than amount early may increase of 10.3%，Than last year the corresponding period grows 30.5%，A small price up 2%;The average price for building sample 22930 yuan/m2，Annulus comparing rose 2.29%，Rose 0.2% year-on-year，Is the only ten cities rise compared to the city，Or the“Hundred cities price index”The second;Second-hand housing price index rose by 0.26% month-on-month。

　　深圳：截至2012年6月24日，深圳6月新房成交均价18846元/平方米，同比上涨5.28%，环比上涨3.62%，而与年初1月份17105元/平方米相比，6月份房价上涨了10.18%。

shenzhen：By the end of 2012 on June 24,，Shenzhen June bridal chamber the price 18846 yuan/square metre，Rose 5.28% year-on-year，Annulus comparing rose 3.62%，And in early and in January 17105 yuan/square meters compared，House prices rose 10.18% in June。

　　上海：2012年6月样本楼盘平均价格为23141/平米，新建住宅价格指数环比上涨0.65%;二手住宅价格指数环比上涨0.16%，平均价格29709元/平方米。

Shanghai：In June 2012, the average price for 23141 sample building dish/square meters，New residence price index rose by 0.65% month-on-month;Second-hand housing price index rose by 0.16% month-on-month，Average price 29709 yuan/square metre。

　　广州：2012年5月份成交量突破9000套，刷新了近20个月的记录，同比大涨22.2%，6月份再居高位，成交8927套，同比大涨29%。6月份的样本楼盘平均价格为15145/平米，新建住宅价格指数环比上涨0.48%;二手住宅价格指数环比也有0.51%的涨幅。详细

guangzhou：May 2012 volume reached 9000 sets，Refresh the past 20 months of record，Rose 22.2% year-on-year，In June the high again，Clinch a deal of 8927，Rose 29% year-on-year。In June the average price of 15145 sample building dish/square meters，New residence price index rose by 0.48% month-on-month;Second-hand housing price index annulus comparing also 0.51% increase。detailed

　　

楼市真的走出“寒冬” 步入 “春天里”？ Property market really out of“winter” into “In the spring”？

　　

六月反季热销 业内：房价尚难全面反弹 In June the season the sell like hot cakes：House prices is still difficult to comprehensive rebound

　　6月的楼市，注定不会平静。在市场一片嘈杂的回暖担忧声中，部分统计数据如人所料，出现了几个月来的首次上涨。与此同时，降价楼盘依然是销售主流。在一系列扑朔迷离的市场现象背后，楼市的全面回暖，是否已成不争的事实？房价会否随着日益高涨的气温一路飙升？

June in the housing market，Not meant to calm。In the market a hum of buoyancy concerns in the sound，Statistical data such as part of that material，Appeared for the first time a few months to rise。At the same time，Price is still building sales mainstream。In a series of complicated market behind phenomenon，The housing market overall thaw，Whether to have into the fact that does not dispute？If house prices as a rising temperatures soared？

　　“百城价格指数”显示，6月份环比上涨城市45个，而环比下跌的城市有55个，但下跌城市比5月减少了18个。同比来看，全国100个城市住宅均价继续下跌，跌幅为1.90%，比上月扩大0.37个百分点。“从目前的楼市销售情况来看，仅仅是局部性回暖，尚不能断定为全面性回暖。”中南财经政法大学房地产研究所所长张东说，房价在3%左右的上下波动，是房地产市场的正常现象。

“Hundred cities price index”shows，In June rose 45 a month-on-month city，While the city has a drop annulus 55，But the slide city may reduce the than 18。Up to see，The country's 100 city residential average continue to fall，Down 1.90%，Expanded by 0.37% than last month。“From the current housing sales situation，Only local thaw，Still can't tell for comprehensive thaw。”Central south university of politics and law of institute of real estate finance and economics zhangdong said，House prices in about 3% of the move，The real estate market is normal phenomenon。

　　伟业我爱我家集团副总裁胡景晖认为，目前楼市的回暖主要依赖首次购房需求的释放，这种力量会随着时间衰减。下半年房价缺乏明显上升动力，整体走势仍将以稳为主，三季度后半段楼市成交量仍有再度陷入低谷的可能。详细

Cause I love my family group vice President HuJingHui think，At present the housing market warms up mainly depends on the release of pent-up demand for the first time，This force with time attenuation。The second half of the lack of obvious house prices rising power，The overall trend will still with be give priority to，Three quarters of the second half of property market turnover is still have bottomed again likely。detailed

　　

降息后房贷反而“变贵”了？ After the cut mortgage instead“Change your”the？

　　上周央行再度降息，让不少购房者欣喜：房贷又要便宜了！果真如此吗？记者走访广州多家银行营业部发现，由于降息后银行需调整房贷政策，在新的细则出台前，不少营业部暂时取消了原有的“利率八五折”优惠，房贷反而变贵了。

Last week the central bank cut interest rates again，Let many homebuyers rejoice：Mortgage and cheap！? If so？Reporter visited guangzhou many Banks sales found，Because after we need to adjust the bank rate cut mortgage policy，In the new rules issued before，Many sales temporarily cancel the original“Get a discount rate”preferential，Mortgage becomes expensive。

　　“受到降息的影响，目前暂时不执行原来的8.5折，而会打9.5折。总行还没有出台新政策，估计7月中旬才知道怎么变动。”8日，兴业银行(601166,股吧)环市东支行一名个贷主管说。当前5年以上商业贷款基准利率为6.55%，九五折后是6.22%，比降息前5.78%的“折后利率”更贵。详细

“Cut interest rates by the impact，At present the original temporary not execute 8.5 fold，And will play 9.5 fold。The head office is not new policies，Estimate the middle of July, just know how to change。”8，Industrial bank(601166,Shares it)The east branch a ring GeDai competent said。5 years or above the current commercial benchmark lending rate of 6.55%，After reduction is 6.22%，Cut interest rates than in the top 5.78% of“Discount interest rate”More expensive。detailed

　　

业内：楼市“回暖论”是炒作 the：Property market“Thaw theory”Hype is

　　“降价卖房能叫回暖?”内蒙古建宇房地产公司经理郭建伟听到回暖两字，语气有些激动。他说，现在房子卖不动，不排除有些人趁市场和政策有些变化，趁机炒作舆论制造恐慌情绪。

“House price can call to thaw?”Inner Mongolia gw real estate company manager GuoJianWei heard two words warmed，Tone some exciting。He said，Now the house is sold to be not moved，Do not eliminate some people while market and policy, some changes，Took the opportunity to create panic hype public opinion emotions。

　　中国房地产学会副会长陈国强等人分析说，近期楼市成交量回升，就市场内在因素而言，5月份开盘的楼盘明显增多，新盘大多低价开盘或平价开盘，不少还优惠促销，吸引了一部分需求，推动了成交量上升。

China real estate society vice-chairman, Chen guoqiang analysis said，Recent property market turnover to bounce back，Is the market for internal factors，The opening of the building in May significantly increased，Most XinPan opened lower or parity open quotation，Many also offer sales promotion，Attract a part of the demand，Promote the volume up。

　　记者了解到，在利率下调等因素影响下，近期民众心理和市场预期也在发生一些变化。对此，住建部政策研究中心副主任王珏林认为，近期下调利率的幅度有限，加上国家的调控政策稳定，能进入楼市的资金少，因此近期房价并不具备上涨的基础。详细

The reporter understands，In the rate and other factors，Recent public psychology and the market is expected to take place in some changes。this，Live JianBu policy research center, deputy director of the WangJueLin think，Recent cut interest rates by the limited，Plus the control policy stability，Can enter into the property market less money，So the recent rise in house prices don't have the foundation。detailed

　　

调控决心能否击碎楼市“春”梦 Control determination can shatter property market“spring”dream

　　

不让房价反弹，政策要变成法律 Don't let the house prices rebound，Policy to become law

　　“制止纠正地方变相放松楼市调控”这一表态，既是要求房地产主管部门要对地方政府微调说“不”，也要求对房地产市场调控负总责的省级政府要真正负起责任来，制止地方政府变相救市。

“Stop the correct place in disguised form relax market regulation”This comment，Is the competent department of real estate requirements to local government fine-tuning said“Don't”，Asked on the real estate market regulation overall responsibility of provincial government to really take responsibility，To stop the local government in disguised form to save the day。

　　要想让房价不再反复，回归理性，需要建立长效调控机制，而长效机制说白了就是完善制度，从政策调控变成法律约束。譬如，早日出台住宅保障法，把日益庞大的住房保障体系纳入法治轨道；再如，修订城市房地产管理法、土地法等法律法规，让相关法律跟上社会发展需要和房地产市场变化。也就是说，通过完善的立法和严格的执法让楼市恢复理性，健康发展。灵活性的政策调控是一种补充。详细

To keep the prices are no longer repeatedly，Regression rational，Need to build long-term regulation mechanism，And long-term mechanism spoken parts in an opera is perfect system，From policy control into law enforcement。For example，Early on protection of residence，The increasingly large housing guarantee system into the legal orbit；Be like again，Revised the urban real estate administration、Midway and other laws and regulations，Let related laws keep up with the needs of social development and real estate market change。That is，Through the perfect legislation and strict law enforcement let property market recovery rational，Health development。Flexibility is a supplement policy regulation。detailed

　　

房地产调控需要历史担当 Real estate regulation need history bear

　　房地产深度地绑架并附着于中国的经济体系，成为主动脉血管上的胶质瘤和血管内壁厚厚的脂肪层，使得整个经济体日益臃肿而病态，如何安全地排除瘤，防止恶变，对脂肪层进行去脂化处理，需要大智慧(601519,股吧)和超乎寻常的技巧，更需要坚定的决心和历史的担当。详细

Real estate deeply attached to the kidnapping and of Chinese economy system，Become the aortic blood vessels and vascular wall thick fat a layer，Make the whole economy increasingly bloated and sick，How to safely excluded tumor，Prevent the progression，On fat layer of fat to deal with，Need wisdom(601519,Shares it)And the extraordinary skills，Need more resolution and history of the bear。detailed

　　

楼市又要疯：只是回光返照？ Property market and crazy：Just last gasps？

　　央行再次降息的消息传开，一时之间，暖风熏得楼市醉，很多公众开始担心楼市又要开始疯起来，回顾过去，恐慌性购房往往出于羊群效应和内心恐慌。这次，楼市又能疯多久？首先，我们需要了解一下此次降息的背景，看看"降息"释放出的信号到底是什么。此次降息，实行的是不对称降息，贷款基准利率下调幅度大于存款利率0.06个百分点，并且扩大了贷款利率浮动空间，这样可以缩小利差，逼迫银行让利，以便增加实体投资的力度。从这个角度来看，降息的主要目的在于稳定经济增长，而非像公众所猜测的那样"为了出手救楼市"。

Central Banks cut interest rates again the news spread，Between a，Warm wind fumes drunk property market，Many public housing market began to worry about and began to get mad，Looking back on the past，Panic buys a house for herding effect and inner often panic。the，Housing market and how long can mad？first，We need to know about the fed's background，see"Cut interest rates"Release the signal is it??????。fed，Execute is asymmetric to cut interest rates，The benchmark lending rate was more deposit rate of 0.06%，And extended the loan interest rate floating space，This can narrow the benchmark，Persecuted bank profits to the，In order to increase the strength of the investment entities。From this perspective，The main purpose is to cut interest rates steady economic growth，Not like the public could guess"In order to make moves save in the sector"。

　　另外，此次降息对于资金链紧绷的开发商而言，也并不能起到及时雨的作用，虽然降息会让贷款利率有所降低，但并不能真正缓解开发商的资金压力。在此境况下，开发商唯有降价促销、加快回款速度才是正道，而不能依靠提高房价来摆脱资金困境。综上分析，此次降息，大可不必惊慌失措，误认为此举就是为了"救市"，更不可在众人的惶恐中失了理智，扎堆去抢购房子。详细

In addition，Fed for capital chain tight developers，And also cannot have the function of the spring rain，Although the rate cuts will make the loan interest rate reduced，But couldn't really alleviate developers financial pressure。In the circumstances，Developers only depreciate sales promotion、Speed is the path to speed up the cash，And can't rely on house prices to get rid of capital increase dilemma。All analysis，fed，Need not to panic，Mistaken for the move is to"Help city"，Not in all fear of a loss of reasons，Stick to snap up the house。detailed