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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工业大学房地产管理系主任、天诚不动产研究所副所长吴翔华，他表示

365 real estate JuWang first time home of nanjing university of attachment real estate management department、Day sincere real estate, deputy director of institute WuXiangHua，He said

　　首先对房地产市场来说是一种有利刺激，资金链对房地产市场影响很大，降息比降准的效果更加直接，相当于发出了投资者入市的号角。对于整个实体经济来说，流动性呈现的下滑性态势不能低估，对未来房地产市场发展也增加了不确定型因素。但是如果实体经济没有恢复，靠这样的刺激手段可以做短时间的修复，但流动性若不流到实体经济，只会流到泡沫中，那么实体经济会越来越缺血而泡沫会越来越多。

First on the real estate market it is a good stimulation，Capital chain on real estate market's influence，The slope of the effect is more accurate rate cut directly，Equivalent to a horn of entering the market investors。For the whole of the entity for the economy，The downturn in the present liquidity situation can not underestimate sex，The future of the real estate market development also increases the uncertain type of factors。But if the real economy is not restored，By such means it can stimulate the repair for short periods of time，But if don't flow to liquidity economy，Will only to flow to the bubble，So the entity economy will be more and more blood flow and bubble will more and more。

　　对购房者来说意味着成本下降，但不好的方面就是对未来市场越来越担忧，而未来付出更高成本也并不代表目前是入市好时机，没有经济基础泡沫破灭可能性、危险性加大。对投资者和开发商来说，毫无疑问从6月初以来就进入一个逐渐出货的通道，但从“激励”的角度和力度来看并没有达到放松产业政策（限购令）的迹象，只能作为对市场产生一定影响的紧箍咒，而一旦货币政策放松市场紧箍咒的作用会就被抵消或者消化，可能会呼唤更多投资者进入市场。另外一个方面，泡沫也会进入下一个阶段，逐步向非住宅的蔓延。

That means the person that buy a house to cost down，But the bad part is that more and more concerns of the future market，But the future pay higher costs also doesn't mean now is a good time to market，No economic basis bubble possibility、Increased risk。Investors and developers to it，There is no doubt that from early June since enter a delivery channels gradually，But from“incentive”Angle and offence to relax and not industrial policies（限购 make）Signs of，Only as an influence on the market the magic spells，And once the monetary policy relax market with the effect of inhibitions was offset or digest，May call for more investors enter the market。Another aspect，Foam may enter the next phase，Gradually to the spread of as regards。

　　这意味着经济如股市一样，再怎么刺激也不见起色，只好打开货币闸门，不过实体经济未见好转，房地产泡沫则越吹越大。（365地产家居网 贾丛）

This means that the economy such as the stock market，How again stimulation also does not see improvement，Had to open the gate currency，But the real economy before they get better，The more the real estate bubble blowing。（365 real estate home JuWang JiaCong）