文/本报记者 李会

Wen/our reporter li will

　　中国社科院财经战略研究院近日发布的一份报告认为，首套房优惠对刺激刚需并无太大实际意义，应该予以取消。这份《中国住房发展（2012年）报告》指出，上半年的房地产市场总体上仍处在调控和预测的调控目标区间，但近期呈现回暖，偏离“软着陆”目标的趋势。《报告》认为，首套房优惠并不能从实际意义上刺激太多刚性需求，建议取消上述个人按揭利率浮动区间下限为基准利率的0.7倍，提升至基准利率。

China academy of financial strategy research institute recently released a report said，The first suite to stimulate just need preferential and without too much practical significance，Should be cancelled。the《China's housing development（2012 years）report》Points out that，For the first half of the real estate market in general is still in control and prediction of the control target range，But recent present thaw，deviation“Soft landing”Target trend。《report》think，The first suite preferential and can't stimulate too much from the actual meaning rigid demand，Advice to remove the personal mortgage rates for the lower range of floating benchmark interest rate of 0.7，Promoted to benchmark rates。

　　报告一出炉，即遭到不少准备买房的网友炮轰。的确如此，利率优惠对于手中资金并不富裕的首套房购房者意义重大。从七折上浮到基准利率，购房者要多支出几十万，而这些恐怕还不及调控以来房价下降的幅度，也就是说，刚需们的负担更重了。

The report released a，That was a lot of work for a house of netizens。indeed，Interest rates on hand to offer money is not the rich first suites the person that buy a house is of great significance。The benchmark interest rate rises from seventy percent to，The person that buy a house to spending hundreds of thousands more，And these I'm afraid is less than the range of the drop in house prices since the regulation，That is，Just need the burden of the worse。

　　笔者的观点是，首套房贷一定要优惠。为什么？首先，首次购房者基本都是真正的需求，所谓刚需，无论从安居乐业还是从经济发展，都有必要鼓励这部分人购房，最直接的手段就是利率优惠；其次，调控的目的不是打压房地产，而是调理至健康发展，那么在这个市场中的合理需求就要被鼓励消费；再次，在推动中国经济发展的要素中，房地产是重要的一环。加速城市化中的房地产市场是供需两旺的实实在在的市场，至少最近20年的经济发展，离不开房地产市场的健康迅速发展。

The author is of the opinion，The first set of mortgage must discount。why？first，The first time homebuyers basic are real needs，The so-called just need to，No matter from live and work or from the economic development，It is necessary to encourage this part of the person that buy a house，The most direct means favorable interest rate is；second，The purpose of the regulation is not crack down on real estate，But recuperation to health development，So in this market of the reasonable needs will be to encourage consumption；again，In promoting China's economic development in the elements，Real estate is the important part。Accelerating the urbanization of the real estate market supply and demand is the truth of two popular market，At least the last 20 years of economic development，Without the real estate market health rapid development。

　　因此，不怕房地产市场回暖，怕只怕地价畸高投机盛行，而我们的政策要做的，只是调整不合理的土地机制以及剔除投机因素而已。

so，Not afraid of real estate market buoyancy，Afraid of only excessively high price speculation rife，And our policy to do，Just the readjustment of irrational land mechanism and eliminate the speculative factors just。