7月9日，是央行7月6日再次降息、银行按新房贷利率发放贷款的第一个工作日。一大早，马鞍山市各家商业银行房贷部门贷款买房的客人明显多了起来。6月8日、7月6日，一个月内央行两次降息。业内人士认为，政府促进内需、稳增长意图明确。企业融资成本将降低，也将因刺激消费而让实体经济受益。对房地产市场而言，将降低房地产企业的财务成本和运营成本，减轻老百姓的购房成本。

July 9,，Is the central bank cut interest rates again on July 6、The bank of new mortgage rates issue loans on the first working day。Early in the morning，Maanshan his commercial bank mortgage department loan to buy a house guest significantly more up。June 8,、On July 6，A month the central bank cut interest rates twice。The personage inside course of study thinks，The government to promote domestic demand、Steady growth intentions clear。Enterprise financing cost will be reduced，Will be stimulating consumption and let the entity economy benefit。In the real estate market，Will reduce the estate enterprise financial cost and operation cost，Reduce the cost of the common people that buy a house。

　　同时，央行强调，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。这一政策导向从现在的楼市中也得到了明确反映。

At the same time，The central bank emphasize，Financial institutions should continue to strictly carry out the policy of differentiation housing credit，Continue to restrain speculative investment the house。The policy guidance from now in the housing market in also get the clearly reflected。

　　当日，记者在建行住房金融与个人信贷部，与办理首套房贷款的一对小夫妻聊起了贷款买房。他们购买了东方城一套6层81.85平方米、43万元的商品房。贷款30万元、20年期。“因为是首套房，贷款享受基准利率，又赶上央行两次降息，能省下不少钱。首套房所纳契税还可以全额补助，早晚都要买，我俩现在企业效益还好，买吧。”工作人员为小夫妻算了一笔账，央行6月8日基准利率6.8%、7月6日下调到6.55%，按等额本息还贷，小夫妻可以省下10670元。

On that day，Reporters in the construction bank financial and personal housing loan department，And for the first of a pair of small loan suite and talking about the loan to buy a house。They bought their city east of 6 layer of 81.85 square meters、The commodity house of 430000 yuan。A loan of RMB 300000,、20 years period。“Because is a suite，Loan enjoy benchmark rates，And catch up with the central bank cut interest rates twice，Can save much money。The first suite, agree duty can sum subsidy，Every morning and evening and want to buy，We now enterprise benefit，Buy it。”Workers for the young couple calculate a bill，The central bank on June 8, 6.8% of the benchmark rate、On 6 July, down from 6.55% to，For according to the principal and interest payments，The young couple can save 10670 yuan。

　　来自市住房和城乡建设委员会的信息，今年3月开始，马鞍山市楼市逐步回暖，最大的特点就是“刚需”购房一族成为楼市小户型的主力军；改善性住房的需求者也逐步进入楼市，环境好、区位好的商品房受到青睐。

From the municipal housing and urban and rural construction committee of information，In march this year began to，Maanshan property market gradually thaw，The biggest characteristic is“Just need to”Purchase gens become the main force of the small family property market；Improve the purchaser of housing have gradually entered the market，Environment is good、Location good commodity house popular。

　　今年以来，马鞍山市市区商品住房销售量逐月上扬，自3月份起大幅度回升，二季度同比增幅均超过三位数，6月份成交更是达到去年2月份以来创记录的1033套。1-6月份，市区商品住房销售4428套，销售面积43.86万平方米，成交金额23.88亿元,同比分别增长39.02%、27.43%、12.91%。业内人士分析，去年8月至今年3月份，马鞍山市楼市基本处于“冷冻期”，房价从去年6月销售均价6385元/平方米，一路下调到今年3月份销售均价4985元/平方米。商品住房销售价格的调整为“刚需”涌入带来良机。90平方米以下中小户型商品房得到“刚需”者青睐，特别是价位在40万元左右的商品房炙手可热。目前，面积适中、总价合理的住宅房源显然更容易获得消费者的认可，销售速度较快。而大户型、总价高的房源销售速度较慢。

Since this year，Maanshan city commercial housing sales rise from month to month，Since march up greatly to bounce back，Year-on-year rate of increase in the second quarter by more than three digits，Clinch a deal is reached in June last year since February record 1033 sets。1-June，Urban commercial housing sales of 4428，Sales area of 438600 square meters，Clinch a deal amount of 2.388 billion yuan,Year-on-year growth of 39.02%, respectively、27.43%、12.91%。Analysis of the personage inside course of，August last year to march this year，Maanshan basically in a property market“Frozen period”，House prices from last June sales average 6385 yuan/square metre，All the way down to march sales average 4985 yuan/square metre。Commodity housing sales price adjustment for“Just need to”Bring opportunities into。90 square meters below small and medium-sized family commodity house to get“Just need to”Favor the，Especially in 400000 yuan price of commodity house hot。At present，Area of moderate、Total price reasonable residential houses obviously are more likely to gain the recognition of consumers，Sales faster。And the big family、Total prices high homes sales at a slower speed。

　　市场需求的变化，使一些楼盘排队购房、一些楼盘无人问津，市场旺销与滞销并存，这就推进了房地产商顺应市场进行调整。房地产企业在调整价格的同时，还着力进行产品结构调整，加快中小户型、中低价位普通商品住宅开发。如“刚需”两居室的“青年居”，就是根据年轻人刚刚大学毕业、经济收入低，但需要小面积住宅结婚的特点而开发经营的成功范例。

The change of market demand，Make some buildings line up the house、Some buildings go unattended，Market flourishing sells and slow-moving coexist，This will promote the real estate market to adjust。Real estate enterprise in the adjustment of the price at the same time，Also focus on product structure adjustment，Accelerate medium and small family model、Low price common commodity residential development。if“Just need to”Two bedrooms“Youth in”，According to young people is just graduated from the university、Economic income low，But need small area residential married a characteristic and the development and management of the successful paradigm。

　　随着人们经济收入的增加和生活水平的提高，人们最需要的是改善居住条件。追求住宅绿色化、住宅智能化成为改善性住房者的时尚需求。马鞍山市开发商为了适应居住市场发展的新变化，以“绿色、健康、环保”为主题，实现人与自然的和谐发展；满足人们对住宅知识化和信息化的需求，实施最基本电视接口、电话接口、FM调频接口和计算机接口等智能化住宅开发。加大住房有效供给，改善居民居住条件，引导居民合理消费，推进全市房地产市场平稳健康发展。(刘芳)

As people economic income increases and the improvement of living standard，People need most is to improve living conditions。Pursue the green house、House intelligence for improving the fashionable requirement of sexual housing。Maanshan developers in order to adapt to the new changes of the development of the market live，to“green、health、Environmental protection”As the theme，Realize the harmony of human and nature；Meet the people and the information of residential knowledge of demand，Implements the most basic TV interface、Telephone interface、FM radio interface and computer interface of intelligent residential development。Increasing housing effective supply，Improve residents living conditions，Guide residents reasonable consumption，Promote the healthy development of real estate market smoothly。(Liu fang)