“银行首套房贷85折利率优惠将在8月份逐一取消，先从北京开始，接着在全国统一执行！消息若属实，开发商销售员们这周要通知客户抓紧办理贷款手续了！”今天下午，一则关系到广大购房者买房成本，更直接关系到下半年楼市冷暖走向的小道消息不胫而走，这也让听闻的网友们炸开了锅。 南京8家银行首套房贷利率无条件85折 降至8折有待时日

“The first set of bank mortgage 85 fold favorable interest rate will be cancelled by in August，First start in Beijing，Then in the unified national implementation！News if true，Developers salespeople to notify the customer this week to deal with loan procedures！”This afternoon，A relationship between the person that buy a house to buy a house to the cost，More directly related to the second half of the property market to changes in temperature grapevine news by word of mouth，It also let hearing about net friends blasted pot。 Nanjing 8 Banks first set of mortgage rates unconditional 85 fold down to 8 fold the remains to be time

　　“不信，目前中国的经济形式本来就不好，房地产政策不会再严了，觉得消息不太可靠。”“不可能吧，限购是底线，限贷是根本，85折优惠利率是为了减轻政策叠加效应，否则楼市会死，内需需要窗口激活。”中国房地产报副主编、资深地产评论人李宗苗发表观点表示。 南京“321”计划为限购开口？ 公积金贷款额度暂不提高

“Don't believe，Today, China's economy was bad，Real estate policies will not be strict，Think the message is not very reliable。”“No, it can't be，限购 is the bottom line，Limit credit is fundamental，85 it is to reduce discount interest rate policy superimposition effect，Otherwise the property market will die，Domestic demand need window activation。”China real estate quote deputy editor、Real estate LiZongMiao comment senior opinion said。 nanjing“321”Plan for 限购 openings？ Accumulation fund loan amounts are not improve

　　不过，也有部分网友表示，将在近期尽快办理房贷手续，以免未来白白增加自己的买房压力。

but，There are some net friend said，In the near future will be dealt with as quickly as possible mortgage formalities，To avoid future increase in their pressure that buy a house。

　　据了解，透露这一消息的网友，来自某业内地产群，网名叫做“WG”。“北京将带头取消首套房贷85折利率优惠，随后这一动作将席卷全国，消息绝对可靠。”365地产家居网工作人员立刻与这位网友取得了联系，他表示，该消息来源于国内某一线房企，暂时还没有正式文件下发。 南京住建委：“限购松动”是误读 南京目前不可能解除

According to understand，The source of netizens，From a real estate group in the industry，Net called“WG”。“Beijing will take the lead in the first set of mortgage 85 fold cancel favorable interest rate，Then this action will be swept across the country，News is absolutely reliable。”365 real estate home JuWang staff immediately made contact with the net friend，He said，The news comes from a domestic one line room enterprises，Has not yet formally file distributed。 Nanjing live is built appoint：“限购 loose”Nanjing currently impossible misreading is lifted

　　“WG”还告知，取消85折优惠利率的不仅仅是某一家银行，而是包括全国范围内能提供购房者办理住房贷款的所有银行。不过取消优惠到底是指将折扣减少，还是一刀切全部收回，他表示目前暂未确定。“不过估计取消全部优惠的可能性比较大。”

“WG”Also told，Cancel discount interest rate of the 85 is not only one of a bank，But including nationwide provide the person that buy a house can home loans all bank。But what it is to point to will cancel the favorable discount reduced，Or one size fits all full repayment，He said there is temporary not for sure。“But cancel all estimate discount the possibility of more。”

　　对此，浦发银行(600000,股吧)南京分行相关人士表示，近期对此消息也有所耳闻，但目前还未得到确切的文件通知。“领导这两天都在忙着开会，可能要等会后才会有结果。”

this，Shanghai pudong development bank(600000,Shares it)Nanjing branch officials said，Recent news to hear this，But are not yet have specific files notice。“Lead the two days in the busy for the meeting，It may take after the meeting will have the result。”

　　南京银行(601009,股吧)总行个贷中心营销经理郑林同样也表示，暂未得到此类信息，目前银行针对首套房贷客户给予的最低折扣优惠依然是85折。

Nanjing bank(601009,Shares it)The head office GeDai center marketing manager ZhengLin also said，Temporary not get such information，Currently, the bank for the first set of mortgage customer to give the lowest discount is still 85 fold。

　　近期，中国社会科学院财经战略研究所发布了《中国住房发展（2012年中）报告》，预警半年后房价存在报复性反弹风险的同时，建议取消对首套房的贷款优惠利率。

recent，The Chinese academy of social sciences financial strategy institute released《China's housing development（2012 years）report》，Warning after half a year there house prices rebound risk while reprisal，Suggestions to the first suite cancellation preferential interest rate loans。

　　南京工业大学天诚不动产研究所副所长吴翔华认为，这次有取消房贷利率优惠的风声传出，主要就是出于这份来自《中国住房发展（2012年中）报告》的压力。“5、6月份以来央行降准、降息的动作，一定程度上增强了房价上涨的预期，但是调控有没有相应的对冲政策，因此才会希望选择用减少房贷优惠的方式。” 江北又现“夜光盘” 邻居楼盘只恨“工程进度跟不上”

Nanjing industry university day sincere real estate, deputy director of institute WuXiangHua think，The mortgage interest rates to cancel out the favorable report，The main thing is for this came from《China's housing development（2012 years）report》pressure。“5、Since the central bank must drop in June、The action to cut interest rates，Some degree enhance up housing prices expected，But regulation have corresponding hedge policy，So will hope that choose to use reduce mortgage favorable way。” Jiangbei again now“Night CD” Neighbor building only hate“The progress of the projects can't keep up”

　　不过，吴翔华提出，取消房贷优惠利率并不是一个有效降低房价上涨预期的好方法。“单纯取消房贷利率优惠不仅是不得已而为之的低劣方法，这一举动是否能即使见成效，还要看各家银行的执行情况。想要从根本上抑制再次有所抬头的房地产市场，必须出台针对行业制度本身改革的政策。”（365地产家居网 李琳滢）

but，WuXiangHua put forward，Cancel a preferential interest rate mortgages and is not a valid lower prices rise expected good method。“Simply cancel mortgage rates preferential is not only the necessity of inferior methods，The move could even see results，Also look at the implementation of the Banks。Want to suppress again, is back in the real estate market，Must rule on the reform of the system itself for industry policy。”（365 real estate home JuWang LiLinYing）