华南新闻中心 李宁

South China news center li ning

　　和讯网消息 7月12日，中原集团在发布的上半年市场报告称，如何平衡“稳增长”与“严防房价上涨”的矛盾，已成为当前政策走势的最重要影响因素。未来各地政策微调将更为谨慎，市场仍以刚需为主，中央则试图在限购之外通过微调来释放被“误伤”的刚需，松绑首套房信贷成最有效的选择。

HeXunWang news on July 12，In the first half of the group released market report said，How to balance“Steady growth”and“Against rising house prices”contradiction，The current policy trend has become the most important factors。All over the future policy fine-tuning will more cautious，The market is still to just need to give priority to，The central attempts to 限购 in outside through the fine-tuning to release“fire”Has just need to，Easing credit into the most effective first suite of choice。

　　报告指出，2012年3月以来，微调措施配合开发商降价以及首套房贷的破冰，积压已久的刚需得以释放，楼市成交逐步回暖。而在成交升温的背后，购房者预期也悄然改变着，部分购房者加快了入市的脚步，房价又现微涨势头。

The report points out that，Since March 2012，Fine-tuning measures and the first set with developers reduction of mortgages in the ice，Already a long time of just the backlog to be released，Property market clinch a deal gradually thaw。And in heating up behind the clinch a deal，The person that buy a house and began to change the expected，Part of the person that buy a house to speed up the steps of the entry，House prices again now closed up momentum。

　　报告称，为稳定市场预期，近期，多部委重申坚持房地产调控政策不动摇，住建部更明确表示将会同有关部门继续密切关注各地执行调控政策的情况，对于地方出台放松抑制不合理购房政策的，将及时予以制止或纠正。

The report says，To stabilize the market expectations，recent，Many ministries reiterated that adhere to the real estate control policy not be moved，Live JianBu more clear that will jointly with relevant departments, continue to pay close attention to control policy execution of all，For local issued relax control unreasonable purchase of policy，Will be duly to stop or correct。

　　中原集团研究中心认为，住建部此番表态在一定程度降温了市场对于楼市调控逐步松动的预期，并警示各地微调须以不干扰政策预期为前提。7月6日央行降息文件中又特别提出“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”，以防市场过度解读，从而再次助长房价的上涨。

The group centre said，Live JianBu this "comment to a certain extent in the housing market cooling to control gradually loose expectations，And alert to no interference should be around fine-tuning for policy expected premise。On 6 July, the central bank cut interest rates and specifically in the file“To continue to strictly carry out the policy of differentiation housing credit，Continue to restrain speculative investment the house”，In case of excessive market reading，To encourage the rise in house prices again。

　　对于房地产调控放松的预期，人民日报在7月4日发表的文章中也强调，促进房地产市场长期平稳健康发展是调控的既定目标，继续巩固调控成果、促进房价合理回归，既是履行对人民群众的承诺，也是加快转变发展方式、构建符合国情的住房体系的必然要求。这不仅是少数人和少数地方的利益问题，更是事关推进转方式调结构、事关增强人民对政府的信任、事关筑牢执政基础的重大问题。房地产调控，任务仍未完成，不能放松，更不能反复。

For real estate regulation relax expected，The People's Daily on July 4, in an article published stressed，To promote the healthy development of real estate market long-term stable is control objectives，Continue to consolidate control results、Promote the rational regression house prices，Both perform to people's commitment，Also speed up the development mode of change、The establishment of the national housing system the request inevitably。This is not only a few people and a few local interests，But also promote the structure is turn way、Is to improve the people's trust in government、Built for the ruling foundation prison important questions。Real estate regulation，Mission still not finished，Can't relax，More can't repeatedly。

　　另外，报告还指出，楼市成交的低迷程度成为微调幅度的重要标尺，成交越低迷，大尺度微调的冲动越强。如，成交萎缩最为厉害的长沙、石家庄曾分别尝试从降低首套房首付比例、放松限购细则等方面进行了微调。虽然两地微调新政均未落地，但低迷不堪的楼市成交无疑是地方政府大尺度博弈的直接动力。

In addition，The report also points out that，The property market downturn clinch a deal the amplitude of the important degree become fine-tuning ruler，Clinch a deal the downturn，Large scale fine-tune the impulse is stronger。if，The most severe of changsha clinch a deal atrophy、Shijiazhuang was trying to reduce the first suite respectively from down proportion、限购 rules relax the fine-tuning。Although the two were not be born in the new fine-tuning，But the downturn in the housing market clinch a deal is undoubtedly a large scale of local government game direct power。

　　在中原集团研究中心看来，未来各地政策微调将更为谨慎，市场仍以刚需为主，投机投资性需求仍严格受限，限购底线不容触碰。政策调整惟有在合理区分投资投机性需求和改善性自住需求中寻求突破。

In central plains group research center looks，All over the future policy fine-tuning will more cautious，The market is still to just need to give priority to，Speculative investment demand has strictly limited，限购 bottom line not touch。Policy adjustment but in differentiate investment the speculative demand and improve the lives of seeking to break through in the demand。

　　报告还指出，在相对宽松的货币政策环境下，中央除默许地方政府的焦点外微调之外，也试图在限购之外通过微调来释放被“误伤”的刚需，其中松绑首套房信贷无疑是最有效的选择。在银行流动性充裕的支撑下，2012年起，首套房贷获批速度提高，利率优惠重启。

The report also points out that，In the relatively easy monetary policy environment，The central focus of local government in tacit fine-tuning the outside，Also in 限购 trying to free by themselves through fine-tuning“fire”Has just need to，Among them the first suite easing credit is undoubtedly the most effective choice。Ample liquidity in the bank the support，Since 2012，The first set of mortgages approved speed increased，Favorable interest rate to restart。

　　据中原集团研究中心了解，目前，全国大部分地区首套房利率已由去年的上浮逐步恢复至基准利率，大部分地区甚至可以获得基准利率8.5-9折的优惠。降息通道的打开配合首套房贷利率优惠的重启，使得居民购房按揭贷款的能力进一步提高，还贷成本明显下降。　　

According to the group know research center，At present，In most parts of the country's first suite of last year's interest rates rise gradually recovered to benchmark rates，Most of the region may obtain benchmark interest rates 8.5-discount of discount。Cut the first set of open channel with mortgage rates favorable to restart，Make dweller buys a house mortgage loan to further improve the ability，Payments cost decreased obviously。