上周中国人民银行再次下调人民币存贷款基准利率。分析师认为，尽管此举对房地产市场而言并非直接利好，但整体信贷环境的放松将会传导至房企，融资还贷压力将在一定程度有所缓解。更重要的是，降息在一定程度上将提振购房者信心。

The people's bank of China last week another drop RMB the benchmark interest rates。Analysts believe，Although the move to the real estate market is not good for directly，But the overall credit environment of relaxation will transmission to room enterprises，Loan financing in a certain extent pressure will ease。More important is，To a certain extent in cut interest rates will be boosted confidence buyers。

　　降息刺激新盘销售

XinPan stimulate sales to cut interest rates

　　记者了解到，降息后的首个周末，位于闵行区吴泾镇的某楼盘筹备一年后首次开盘，第一批共推出276套房源，均价每平方米16000元左右，与去年周边在售项目基本持平。据售楼处告知，开盘两天来签约率已超过7成。据了解，该新盘的购房者主要为当地居民及在闵行开发区、紫竹科技园区工作的员工，其余区域的客户及投资者的身影很少，首次置业的购房者占了多数。工作人员说，签约率高或许要归功于降息利好的刺激。

The reporter understands，The first weekend cut interest rates，Minhang district, located in a building that wujing town for a year later opened for the first time，The first batch of 276 houses were introduced，Average every square metre 16000 yuan，And last year sold in the surrounding project flat。According to the sales department to let us know，Opening two days to signing rate has more than。According to understand，The XinPan buyers for local residents and main in minhang economic and technological development zone、Zizhu science park employees，The rest of the customers and investors area figure very little，First-time home buyers account for most of the person that buy a house。Staff said，High rate of perhaps thanks to sign the stimulation of the good cut interest rates。

　　个别楼盘趁势涨价

Individual building certain trendency price increases

　　不过，也有个别开发商趁交易趋势实施涨价。上周，位于嘉定江桥的某楼盘推出22套90平方米小三房，总价在130万元左右，均价在每平方米14000-15000元。而年初时该楼盘同类房源的总价为110万元，均价在每平方米12000-13000元。尽管如此，该楼盘也已销售过半，目前还剩余10来套房源。开发商表示，该项目本身价格较周边楼盘有优势，加上市场逐渐企稳，今后将根据市场情况陆续调整价格。

but，Also have individual developers while trading price trend implementation。Last week，Located in jiading district of the river's bridge building out a set of 90 square meters and small three rooms，Total price 1.3 million yuan or so，All valence in every square metre 14000-15000 yuan。And earlier this year the project of similar houses, amounting to $1.1 million，All valence in every square metre 12000-13000 yuan。Even so，The project has also sales more than half，At present still remaining 10 to set of houses。Developers said，The project itself price is surrounding buildings have the advantage，Plus market stabilising gradually，According to the market situation in the future will adjust the price in succession。

　　刚需群体直接受益

Just need to groups benefit directly

　　近期想购房的华阿姨对记者说：“我们是首次改善型置业的"刚需"，原来就想购房，但有些举棋不定，如今降息了，我想可以出手了。”

The recent purchase of China to aunt told reporters：“We are the first type of home improvement"Just need to"，Originally wanted to the house，But some hesitating，Now the rate cut，I think can make moves。”

　　分析师付琦算了一笔账，以一套100万元总价的商品房为例，70万元的贷款总额、30年的还款期限，首套房贷利率如果执行降息后的基准利率（6.55%），则降息前（6.80%）的月供款为4563.48元，降息后为4447.52元，减少115.96元，总利息减少41744.63元。如果按照8.5折房贷利率计算，则月供额将从4098.36元减至4004.44元。无疑，刚需群体将成为本次降息的直接受益者。

Analysts FuQi calculate a bill，It is with a $1 million of the total value of the commodity house, for example，700000 yuan of total loans、30 years of payments，The first set of mortgage rates if carried out the benchmark interest rate cut interest rates（6.55%），Cut interest rates is before（6.80%）For the month of $4563.48，After the rate cut is 4447.52 yuan，Reduce 115.96 yuan，Always less interest of 41744.63 yuan。If the mortgage interest rate of 8.5，Is the month for the amount from 4098.36 yuan will be reduced to 4004.44 yuan。undoubtedly，Just need to group will be the direct beneficiaries of lower interest rates。

　　本报记者 陈桂兰

Our correspondent ChenGuiLan