降息提振市场预期，刚需纷纷入市；专家认为下半年市场面临较大库存压力

To cut interest rates to boost market expectations，Just need to have market；Experts think the second half with the great stock market pressure

　　商报讯 （记者 欧阳海杰） 1月、2月，兰州商品房分别交易362套、304套，到了3月以后则开始显现逐渐增加趋势，3、4、5三个月达到677套、771套和677套，到了6月，增至807套。而据兰州市住房保障和房地产管理局的网签数据显示，仅7月10日当日，成交量就达44套。

dispatch （Reporter OuYangHaiJie） January、February，Lanzhou commodity house trade of 362 respectively、Of 304，In march after the start of the show gradually increasing trend，3、4、5 three months to 677 sets、Of 771 and 677 sets，On June，Increased to 807 sets。And according to the lanzhou city housing safeguard and real estate administration nets sign data shows，On July 10, only on that day，Volume has reached 44 sets。

　　不过有业内人士称，下半年随着兰州楼市新盘入市数量增加，市场面临着较大的库存压力，楼市回暖势头难持续。

But there is the personage inside course of study says，The second half with the increase in the number XinPan lanzhou market entry，The stock market facing greater pressure，Property market warms up momentum difficult to keep。

　　记者调查

A survey

　　新房价格坚挺 刚需纷纷入市

New home prices are just need strong market

　　不到一个月的时间，央行连续两次降息，而降息对购房者来说，意味着每月按揭还贷额的减少，这直接刺激了部分刚性需求者纷纷入市。

Less than a month's time，Central Banks cut interest rates for two times，And to the person that buy a house to cut interest rates，Mean monthly mortgage a reduction，This has stimulated the rigid demanders have part of the market。

　　付先生就是其中一位。昨日，在九州合作新村房产销售部，付先生看好了一套93平方米的小高层后，当即签订了预付款合同书。付先生说自己从去年就等着房价下跌，“但一直感觉房价下不来，今天看房后就定了下来，不想等也等不住了”。付先生的话代表了大多数刚性需求购房者的观点，绝大多数市民已对房价下跌不抱希望。而在安宁一大型楼盘的售房部内，邵林却在为选择贷款年限而纠结，“早就打算买房子了，但房价一直没有降，降息后多少能省下一笔钱，趁此机会就把房买了吧”。

Mr. Pay is one of them。yesterday，Particularly in kyushu cooperation property sales department，Mr. Pay valued a 93 square metre after the small high-rise，Signed a contract at the advance payment。Pay yourself from last year said Mr. Wait and falling house prices，“But house prices have been feeling doesn't go down，Today see set down behind，Don't want to even not to live”。Mr. Pay speaks for a most basic need the person that buy a house point of view，Most citizens have no hope of house prices fall。And in a large building peace bca division，ShaoLin but in to choose a loan fixed number of year and entanglements，“Early going to buy the house，But house prices never fall，How many can save changes in a sum of money，Take this opportunity to put room buy it”。

　　合作新村房产公司售房部丁女士则告诉记者，从今年6月份开始，楼市销量明显大增，她最多一天售出5、6套，并且每天预约看房的人也很多。同样的说法在雁滩一楼盘得到了证实。记者以购房者身份在雁滩楼盘采访时，售房人员梁小伟一再劝记者，“现在再不买，以后就更难买了，没好房子，价格也不会降”。

Cooperation house property company of saemaul undong bca butyl while the woman told reporters，From June this year began，Housing sales soar obvious，She sold most a day 5、6 set，And every book to see many people。The same story of a wild goose buildings are confirmed。Reporter by the person that buy a house in building the identity of an interview，While researchers LiangXiaoWei to reporters again and again，“Now don't buy，Later it's harder to buy，No good house，The price also won't fall”。

　　记者在该楼盘墙上张贴的销售排行榜看，一期300多套房子仅剩10来套，“这有些已经预约了，好房子大家在抢，加上利息降了，之前要买房的人都动心了。”梁小伟这样表示，“价格能保持稳定已经不错了，还等着降价，那是不可能的”。

Reporters in the building of the wall posted sales list to see，A period of more than 300 houses with only 10 to set，“This some have a reservation，Good house everyone in the rebound，Plus interest rates fall，To buy a house before the people mind。”LiangXiaoWei say，“Price stability is great，For reduction，That's not possible”。

　　楼盘优惠措施纷纷消失

Estate preferential measures disappeared

　　今年3月份，为了刺激销售，以价换量，兰州开发商推出了打折优惠措施，有些楼盘甚至推出团购8.5折的优惠。6月份，商品房销量再次上升超过800多套，创年内新高。而进入7月份，开发商楼盘促销的活动逐渐减少，仅有很少的楼盘推出了9.8折或全额付款优惠1万元。

In march this year，In order to stimulate sales，To change the price of，Lanzhou developers introduced a discount measures，Some buildings and even launch team 8.5 fold discount。June，New home sales rising again more than more than 800 sets，Gen years high。In July and into the，Developers building dish the sales promotion activity gradually reduced，Only a few buildings launched 9.8 fold or fully paid $10000 off。

　　安宁一家大型楼盘的陈经理说，国家大的政策环境是对房价调控不松动,所以房价也不可能像去年那样有较大涨幅,整体来说应该是稳中趋升。陈经理说，利率下调直接带动的是刚需购房者，部分刚需购房者手头的钱可能吃紧，当房价一直不降时，每个月贷款少出的一两百元对他们来说还是具有吸引力的，所以这次下调利率，既对改善购房者是一个良好的信号，更是引发了刚需的稳定释放。不过，开放商的一些促销手段和优惠折扣也逐渐消失，因为开发商不再发愁房子卖不出去，也不大可能以低价换量，房价反而会稳中有升。

Peace a large building dish manager hah said，Countries policy environment is not loose control of house prices,So prices have not may like you did last year has a larger rise,Overall should be WenZhongQuSheng。Manager hah said，Direct drive interest rates is just need the person that buy a house，Part of the person that buy a house just need money in hand may be tight，When house prices have been not do，Each month less of a loan is controlled yuan for them or attractive，So this time to cut interest rates，Both to improve the person that buy a house is a good sign，But also sparked just need to release the stable。but，Some of the open business promotion methods and discount also gradually disappear，Because the developers will no longer worry house don't sell，Are unlikely to change is at a low price，House prices instead can have increased slowly。

　　二手房：购房者多选择一次性付全款

Secondhand the room：Choose more buyers pay the entire section

　　新房没有出现购房者预期的降价，二手房价格的波动同样让购房者不安。

Bridal chamber did not appear the person that buy a house expected reduction，Secondhand the room price fluctuations also let homebuyers uneasy。

　　“降不降息，我都要买房子，现在央行降息了就更好，”魏彤要在年底结婚，但从年初一直在看房子，并且一直在观望等待，“之前看好的几套新房价格太高，等着降，结果没降都卖掉了，现在只能选择市中心的二手房了。”魏彤在至诚利家中介公司看了一套60平方米的框架房，要价48万左右，“这个价格还是有点高，每平方米在8000元，但等着降好像不可能”。

“Drop don't cut interest rates，I want to buy a house，Now the fed is better，”WeiTong at the end of the marriage，But from the beginning has been looking at the house，And has been watching the wait，“Before the new apartment a few good price is too high，Waiting to drop，The result did not drop are sold，Now can only choose downtown secondhand the room。”In the house WeiTong ever read a set of intermediary company 60 square metre frame room，Asked for 480000 or so，“The price is a little high，Every square metre is in 8000 yuan，But waiting to drop doesn't seem likely”。

　　玛雅房屋房产经纪人小吴告诉记者，近期二手房的议价空间缩小和反价现象频现是很普遍的现象。他告诉记者，进入5月份后，二手房的议价空间基本上从之前的2万~5万元已经缩小至1万~3万元。在第一次降息后，有些房主开始了反价，但并不明显，而在二次降息后，反价已经算很普遍的现象，少的涨2万~3万元，多的涨5万~6万元，“静宁路有套80平方米的房子，之前房主登记的报价是58万元，现在要价62万元”。

The mayan housing estate agent xiao wu told reporters，Recent secondhand the room bargaining space narrow and the price is a very common phenomenon frequency is the phenomenon。He told reporters，Into 5 after the month，Secondhand the room bargaining space from the 20000 before basically ~ 50000 yuan has been reduced to 10000 ~ 30000 yuan。After the first cut，Some homeowners began the price，But not obvious，And in the second after cut interest rates，The price is very common phenomena，Less up 20000 ~ 30000 yuan，More up 50000 ~ 60000 yuan，“JingNing road have set the house of 80 square metre，Before the registration of homeowners offer is 580000 yuan，Now wanted 620000 yuan”。

　　销量增加，这在二手房市场中也很明显。兰州巨信房屋经纪人张靖说，“一下子感觉房源很紧张，购房者都来买房子了。还有一个明显的变化是，二手房一次性付款的人增多，只要是看上的房子，一天就搞定，全额付款”。

Sales increase，The housing market in is obvious。Lanzhou giant letter ZhangJing house agent said，“Suddenly, expand the feel very nervous，The person that buy a house to buy the house。And a significant change is，Secondhand the room lump-sum payment increased，As long as is the house are，A day is enough，Full payment”。

　　记者在采访多家二手房中介时了解到，兰州市中心的二手房价格一般在8000元左右，比较偏远的九州开发区，价格也在5000元左右，销量上涨也是一个不争的事实。

In an interview with several reporters know when to secondhand intermediary，Lanzhou city center of secondhand the room the price is in commonly 8000 yuan，More remote jiuzhou development zone，The price also is in 5000 yuan or so，Sales rise is a fact of life。

　　专家观点

Experts point

　　兰州楼市反弹不会持续

Lanzhou market rebound won't last

　　兰州震旦房地产公司总经理杜亚峰认为，两次降息后购房者购房成本的减少，推动刚需与改善一并入市，造成楼市成交活跃，但开发商在限购限贷政策影响之下，依然面临巨大的资金压力，从目前看，房价有所波动主要是因为兰州市中心没有房源，价格在资源稀缺下出现了反弹，但从整体看，不会有太大的涨幅。

Lanzhou sinian company general manager DuYaFeng think real estate，After two cuts buyers purchase cost reduction，Just need to promote and improve market together，Cause property market clinch a deal the active，But the developers in the 限购 limit credit policy under the influence，Still face great financial pressure，Look from current，House prices have fluctuations of lanzhou city center mainly because no houses，The price of scarce resources in next appeared to rebound，But from the whole see，There won't be much to rise。

　　搜狐焦点负责人马志新也认为，楼市调控在经历“马拉松”式的漫长过程后，兰州购房者的观望情绪逐渐淡化，发现房价下跌的可能性几乎是微乎其微，开始主动入市。还有一个因素是，在全国市场出现波动后，很多开发商借机炒作，制造出一些紧张的气氛，让购房者感觉到房价会涨。但马志新称，这样的反弹只是一个小小的波动，不会持续太久，随着下半年新楼盘的供应量加大，各开发商的竞争也加大，房价会保持稳定。

Sohu focus is responsible for new also think volunteer team，Property market regulation in experience“marathon”After the long process of type，Lanzhou home buyers looking emotional decline，Find the possibility of house prices is almost invisible，Beginning active entry。There is another factor is，In the national market volatility，Many developers looking hype，Create some tense atmosphere，Let the person that buy a house feel house prices will rise。But MaZhiXin says，This rebound as a small fluctuations，Won't last long，As the second half of the new real estate supply increase，The developers of the competition also increases，House prices will be stable。

　　下半年兰州市场将保持稳定

The second half of lanzhou market will remain stable

　　兰州大学经济学教授贾明琪则认为，降息并不意味着房贷政策以及楼市调控的政策将会松动，因此下半年市场仍将处于深度调整中。近期楼市反弹，不可忽视部分投机性和投资性需求悄然入市，起了一定的作用。此次降息的目的主要是针对微小型企业，对房地产整体影响不大，房地产只是意外受到了刺激，有点“兴风作浪”。他表示，本次央行发布降息幅度的同时，附加了“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”的说明。表明楼市的限贷以及限购政策难以出现松动，投资投机需求难以入场。

Lanzhou university economics professor JiaMingQi is considered，Cut mortgage policy does not mean that the housing market regulation and policy will loose，So the second half of the market will remain in the adjustment of depth。The recent housing rebound，Do not neglect speculative and investment demand of quietly market，Plays a role。The purpose of the fed is mainly for small small-sized enterprises，The overall effect of real estate is not big，Real estate only accident was stimulated，A little“tether”。He said，The central bank cut interest rates and the amplitude of the release，added“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”instructions。Show that the property market credit limit and 限购 policy is appear loose，Speculative investment demand is difficult to enter。

　　从兰州目前看，地少房源少，供应量不足，价格势必会略微走高，但从大局着眼，下半年，投资投机需求继续被抑制，刚性自住需求在降息的利好下将会平稳释放，房价保持稳中有降的趋势。

From lanzhou view at present，Less to homes less，Short supply，The price will naturally go slightly high，But from the perspective of the consideration，The second half，Speculative investment demand continue to be restrained，Since living demand in the rigid cut interest rates under the good will be stable release，House prices keep stability have fall trend。

　　算账

accounts

　　30万商业贷款期限20年期

300000 commercial loan time limit 20 years period

　　每月少还89元

Less a month still 89 yuan

　　央行7月6日非对称降息后，一年期贷款基准利率下调幅度为0.31个百分点，而5年期以上的下调幅度则仍保持在0.25个百分点，5年期以上贷款利率降至6.55%。这对贷款购房者来说，降息的直接影响就是减少了月供，从一定程度上降低了“房奴”每个月的还贷负担。

The central bank on July 6 asymmetric after cut interest rates，The benchmark one-year lending rate down the rate of 0.31%，And more than 5-year declines is still remain at 0.25%，More than 5-year loan interest rate reduced from 6.55% to。The loans for homeowners，The direct effect is to reduce cut interest rates for the month，In a certain extent, reduce the......“Mortgage slave”Each month loan payments burden。

　　中国工商银行(601398,股吧)兰州市金城支行个人信贷部客户经理孙雪飞给记者算账，如果按照贷款50万期限20年计算，5年期以上利率每下调0.25个百分点，两次降息后购房者的月还款额由3891.52元降低至3742.6元，减少了148.92元左右，20年还款总额减少35700余元。

The industrial and commercial bank of China(601398,Shares it)Lanzhou branch personal credit customer manager jincheng SunXueFei give reporters accounts，If the loan term 500000 20 years calculation，More than 5-year every cut interest rates by 0.25%，After two cuts of the person that buy a house monthly payments from $3891.52 to $3742.6 lower，Reduced 148.92 yuan，20 years reimbursement amount to reduce 35700 yuan。

　　按照贷款30万元期限20年计算，两次降息之前每月房贷需还2335元，降息之后每月需还2246元，减少了89元。

According to the loan of 300000 RMB 20 years time calculation，Two cuts monthly mortgage should also before 2335 yuan，After the cut interest rates to 2246 yuan a month still，Reduce the 89 yuan。

　　30万公积金贷款20年期

300000 accumulation fund loan 20 years period

　　每月少还32元

Less a month is $

　　与贷款基准利率同步调整的是，日前，公积金贷款利率也随之调整。5年以下(含5年)公积金贷款利率由4.20%调整至4.00%，5年以上公积金贷款利率由4.70%调整至4.50%。

And the benchmark lending rate is to adjust the synchronization，a，Accumulation fund loan interest rates also changed accordingly。5 years of the following(Including 5 years)Accumulation fund loan interest rate from 4.20% to 4.00% adjustment，Above 5 years of accumulation fund loan interest rate from 4.70% to 4.50% adjustment。

　　兰州市住房公积金管理中心研究室马主任给记者算账，以30万公积金贷款，分20年期还清计算为例：降息之前，5年期以上公积金贷款利率为4.70%，月供为1930元，20年下来总利息为16.3万元。降息之后，5年期以上公积金贷款利率为4.50%，月供为1898元，20年下来总利息为15.6万元。相比之下，降息后30万公积金贷款20年期贷款每月可以少还32元，20年下来利息要少0.7万元。

Lanzhou city housing accumulation fund management center, director of research for reporters with horse，Accumulation fund loan in 300000，Points 20 years period for example calculation to pay off：Delivered before，More than 5-year accumulation fund loan interest rate is 4.70%，The month for $1930，20 years down the total interest for $163000。After cut interest rates，More than 5-year accumulation fund loan interest rate is 4.50%，The month for $1898，20 years down the total interest for $156000。compared，After the cut 300000 accumulation fund loan 20 years period can be less monthly loan is $，20 years down to less interest on $07000。